The Bank of Punjab (PSX:BOP)
Pakistan
· Delayed Price · Currency is PKR 34.19
-0.41 (-1.18%)
At close: Dec 5, 2025
The Bank of Punjab Balance Sheet
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Cash & Equivalents | 37,555 | 36,935 | 46,382 | 33,625 | 36,381 | 36,690 | Upgrade
|
| Investment Securities | 1,088,221 | 900,054 | 633,217 | 645,972 | 499,502 | 454,300 | Upgrade
|
| Trading Asset Securities | 40,243 | 91,055 | 44,125 | 6,368 | 33,678 | 19,169 | Upgrade
|
| Total Investments | 1,128,464 | 991,109 | 677,342 | 652,340 | 533,180 | 473,469 | Upgrade
|
| Gross Loans | 838,883 | 830,593 | 858,532 | 641,689 | 539,671 | 447,128 | Upgrade
|
| Allowance for Loan Losses | -52,709 | -50,558 | -43,364 | -45,050 | -50,015 | -51,825 | Upgrade
|
| Other Adjustments to Gross Loans | - | -1,277 | -7,623 | -5,705 | -4,080 | -3,413 | Upgrade
|
| Net Loans | 786,174 | 778,758 | 807,545 | 590,935 | 485,577 | 391,890 | Upgrade
|
| Property, Plant & Equipment | 42,318 | 41,506 | 33,219 | 30,344 | 19,836 | 14,817 | Upgrade
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| Other Intangible Assets | 2,742 | 2,488 | 2,099 | 1,777 | 1,108 | 695.65 | Upgrade
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| Accrued Interest Receivable | 66,582 | 58,337 | 89,630 | 35,911 | 18,970 | 15,563 | Upgrade
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| Other Receivables | 3,210 | - | 85,200 | - | - | - | Upgrade
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| Restricted Cash | 71,521 | 67,330 | 63,073 | 44,421 | 43,897 | 35,090 | Upgrade
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| Other Current Assets | 21,807 | 15,139 | 17,280 | 18,698 | 9,359 | 3,473 | Upgrade
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| Long-Term Deferred Tax Assets | 9,416 | 9,205 | 10,315 | 14,584 | 13,760 | 7,839 | Upgrade
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| Other Real Estate Owned & Foreclosed | 4,347 | 4,959 | 1,997 | 3,677 | 5,849 | 5,904 | Upgrade
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| Other Long-Term Assets | 361,302 | 373,374 | 382,121 | 55,686 | 29,355 | 110,419 | Upgrade
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| Total Assets | 2,535,436 | 2,379,141 | 2,216,204 | 1,481,998 | 1,197,272 | 1,095,848 | Upgrade
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| Accrued Expenses | 1,853 | 3,906 | 2,279 | 1,924 | 823.27 | 1,270 | Upgrade
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| Interest Bearing Deposits | 1,493,326 | 1,356,117 | 1,235,926 | 1,011,474 | 827,075 | 683,498 | Upgrade
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| Non-Interest Bearing Deposits | 391,591 | 353,447 | 284,910 | 215,825 | 175,843 | 151,572 | Upgrade
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| Total Deposits | 1,884,917 | 1,709,564 | 1,520,836 | 1,227,299 | 1,002,918 | 835,070 | Upgrade
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| Short-Term Borrowings | 344,409 | 362,444 | 407,250 | 32,742 | 28,224 | 124,714 | Upgrade
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| Current Portion of Long-Term Debt | - | 676.22 | 9,640 | 2,674 | 9,391 | 9,438 | Upgrade
|
| Current Portion of Leases | 92.11 | 146.34 | 84.72 | 85.03 | 107.81 | 47.93 | Upgrade
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| Current Income Taxes Payable | 7,641 | 1,807 | 4,536 | 3,220 | 755.47 | - | Upgrade
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| Accrued Interest Payable | 34,574 | 60,893 | 63,054 | 30,501 | 14,449 | 15,915 | Upgrade
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| Other Current Liabilities | 23,341 | 20,412 | 21,399 | 23,594 | 18,450 | 6,992 | Upgrade
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| Long-Term Debt | 76,396 | 76,706 | 67,315 | 62,721 | 41,497 | 27,480 | Upgrade
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| Long-Term Leases | 17,776 | 16,955 | 15,643 | 14,268 | 9,372 | 7,250 | Upgrade
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| Long-Term Unearned Revenue | 1,886 | 1,013 | - | - | - | 336.35 | Upgrade
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| Pension & Post-Retirement Benefits | 425.76 | 451.41 | 710.07 | 183.34 | 273.89 | 261.77 | Upgrade
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| Other Long-Term Liabilities | 44,688 | 32,052 | 22,887 | 17,822 | 16,100 | 14,688 | Upgrade
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| Total Liabilities | 2,438,001 | 2,287,025 | 2,135,632 | 1,417,034 | 1,142,362 | 1,043,465 | Upgrade
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| Common Stock | 32,716 | 32,716 | 32,453 | 29,742 | 26,437 | 26,437 | Upgrade
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| Additional Paid-In Capital | 2,215 | 2,215 | 2,215 | 2,215 | 2,215 | 2,215 | Upgrade
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| Retained Earnings | 52,574 | 48,541 | 43,323 | 34,966 | 27,303 | 17,532 | Upgrade
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| Comprehensive Income & Other | 8,888 | 7,689 | 1,819 | -2,587 | -1,632 | 5,692 | Upgrade
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| Total Common Equity | 96,393 | 91,161 | 79,809 | 64,336 | 54,323 | 51,876 | Upgrade
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| Minority Interest | 1,043 | 954.31 | 762.17 | 627.81 | 587.58 | 506.99 | Upgrade
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| Shareholders' Equity | 97,436 | 92,115 | 80,571 | 64,964 | 54,910 | 52,383 | Upgrade
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| Total Liabilities & Equity | 2,535,436 | 2,379,141 | 2,216,204 | 1,481,998 | 1,197,272 | 1,095,848 | Upgrade
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| Total Debt | 438,673 | 456,927 | 499,932 | 112,489 | 88,592 | 168,931 | Upgrade
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| Net Cash (Debt) | -343,468 | -316,046 | -266,099 | -56,546 | -15,433 | -105,441 | Upgrade
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| Net Cash Per Share | -104.99 | -96.60 | -81.34 | -17.28 | -4.72 | -32.23 | Upgrade
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| Filing Date Shares Outstanding | 3,272 | 3,272 | 3,272 | 3,272 | 3,272 | 3,272 | Upgrade
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| Total Common Shares Outstanding | 3,272 | 3,272 | 3,272 | 3,272 | 3,272 | 3,272 | Upgrade
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| Book Value Per Share | 29.46 | 27.86 | 24.39 | 19.67 | 16.60 | 15.86 | Upgrade
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| Tangible Book Value | 93,651 | 88,673 | 77,710 | 62,559 | 53,215 | 51,180 | Upgrade
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| Tangible Book Value Per Share | 28.63 | 27.10 | 23.75 | 19.12 | 16.27 | 15.64 | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.