Bank Of Punjab · PSX:BOP
Bank Of Punjab — The Bank of Punjab — Investor Presentation (May 2026)
19 slides from Bank Of Punjab's investor presentation, May 11, 2026
Slide 1: Corporate Briefing Session
CORPORATE BRIEFING SESSION 11 May 2026 TH
Slide 2: Overview
Overview Major Year of Paid up Branch Sponsor Listing Capital Network* Govt. of the 1991 Rs. 32.7Bn Punjab 901 57.47% ATMs Staff Credit Strength Rating 953 14,999 AA+ A1+ *Conventional 691 Islamic 210 IBWs 674 Cities Covered 439
Slide 3: Branch Network
Branch Network 661 100 72 24 Punjab Sindh KPK Federal Capital 18 11 10 5 Balochistan AJ Kashmir GB FATA
Slide 4: Operating Segments
Operating Segments Consumer Banking Digital Banking Corporate & Treasury & Capital Islamic Banking Investment Banking Markets ➢ Private Sector Deposits ➢ Money Market ➢ Islamic Deposits ➢ Digital Banking ➢ Corporate Lending ➢ Retail Financing Operations ➢ Islamic Financing ➢ Public Sector ➢ Project
Slide 5: Key Performance Highlights – Year 2025
Key Performance Highlights – Year 2025 Deposits Net Interest Income Deposits Crossed Rs. 2 Trillion Highest Growth in Net Interest with Highest Growth of 34% in Income – 84%. Avg. Current Deposits Islamic Deposits Highest ever Cash Operating Profit Highest Ever Growth of 58% Highest Growth in Operat
Slide 6: Key Achievements – Q1 2026 vs Q1 2025
Key Achievements – Q1 2026 VS Q1 2025 Net Interest Income Profit Before Tax +47% +155% Fee and Commission Avg. Current Deposits +69% +31% YoY Operating Profit Cost to Income Ratio +98% -9.85%
Slide 7: Key Drivers for Sustainable Profit
Key Drivers for Sustainable Profit Operational Strengthening 03 04 Efficiency Earnings Resilience Drive growth in trade finance, Improve efficiency through transaction banking, and investment process re-engineering and banking to deepen client technological automation to boost relationships and reve
Slide 8: Market Performance
Market Performance 126 +260% +39% 2.5 1.8 35 Healthy Market Dividend Capitalization Payouts (Rs.) (Bn) Year 2024 Year 2025 Superior market performance, Year 2024 Year 2025 evidenced by substantial 44 shareholder value 41.54 +408% growth +175% High Market Strong Share Liquidity & Price Investor Appre
Slide 9: Deposits
Deposits Rs. In Billion 1,900 Conventional Book YoY 16% 1,800 1,700 1,800 1,730 1,600 1,658 1,500 1,552 1,539 1,400 31.12.2024 31.03.2025 30.06.2025 30.09.2025 31.12.2025 Islamic Book 300 YoY 58% 250 200 251 217 227 150 159 179 100 50 - 31.12.2024 31.03.2025 30.06.2025 30.09.2025 31.12.2025
Slide 10: Current Deposits
Current Deposits Rs. In Billion +34% Current Deposits 476 registered an impressive YoY Growth of 34%, 354 reaching Rs. 476 Billion as against Rs. 354 Billion as of December 31, 2024. Dec'2024 Dec'2025
Slide 11: Advances
Advances Rs. In Billion Gross Advances & NPLs% Advances Composition 1,000 926 900 10.0% 4% 5% 827 819 837 800 777 8.0% 700 6.9% 6.5% 6.5% 6.4% 600 6.0% As of 500 4.8% 31.12.2025 400 4.0% 300 200 2.0% 100 91% - 0.0% 31.12.2024 31.03.2025 30.06.2025 30.09.2025 31.12.2025 Gross Advances NPL% Stage 1 St
Slide 12: BOP's Digital Successes – Year 2025
BOP’s Digital Successes – Year’2025 DigiBOP APP BOP Debit Card SMS Banking WhatsApp Banking RAAST 1.6M 822K +33% YoY Cards +45% YoY Registered Users 1.6 M 599K 42K 29M Trx +53% YoY 44M Trx +30% YoY Subscription Users Registrations Rs.800 B +62% YoY Rs. 608 B +32% YoY +33% YoY +304% YoY +28% YoY ATM
Slide 13: Awards & Achievements – 2025
Awards & Achievements – 2025 Prestigious Pakistan Banking Awards PBA Best Bank for PBA Best Bank for PBA Best Bank for SMEs - 2025 Agriculture Inclusion - Women Inclusion - 2025 2025
Slide 14: Other Awards & Achievements – 2025 Contd…
Other Awards & Achievements – 2025 Contd… Best Company for Pakistan’s Best Corporate Finance Inclusion & Best Bank Stall - Creating Respectful Investment Bank House of the Year – Diversity Award – Agri Catalyst Award Workplaces for Financing - 2025 Fixed Income Pakistan - 2025 Pakistan’s Best Best S
Slide 15: Other Awards & Achievements – 2025 Contd…
Other Awards & Achievements – 2025 Contd… Disability Inclusion Pakistan’s Best Digital Inclusion Best SME Bank in Champion Award Bank for ESG - 2025 Award – Pakistan Pakistan – The Asian (Best Bank) 2025 Banker Best SME Best SME Bank of the HR Rising Star Pakistan Domestic Partnership of the Year 20
Slide 16: Building Blocks of Future Strategy
Building Blocks of Future Strategy Deposit Mix ▪ Enhance Customer Experience & Engagement ▪ Drive Low-Cost Current Account Growth ▪ Expand Trade & Cash Management Services Digital Excellence ▪ Accelerate Islamic Banking Expansion ▪ Enhance Digital Customer Experience ▪ Accelerate Process Automation
Slide 17: Key Financials – (2020-2026)
Key Financials – (2020-2026) Rs. In Million BALANCE SHEET: Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Mar-26 Cash & Balance with Banks 71,670 80,036 78,018 109,178 104,034 117,189 92,753 Investments & Lending to FIs-net 583,875 562,663 708,078 1,058,152 1,335,685 1,772,929 1,428,816 Advances -net 391
Slide 18: Key Financials – (2020-2026) Contd…
Key Financials – (2020-2026) Contd… Rs. In Million PROFIT & LOSS ACCOUNT: Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 1st Qtr 2026 1st Qtr 2025 Markup Income 86,019 81,651 137,168 327,194 343,791 266,451 66,865 68,964 Markup Expenses 62,694 51,775 106,410 286,248 299,634 185,347 44,780 53,920 Net Inte
Slide 19: Thank You!
THANK YOU!
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