Directors of The Bank of Punjab gathered on October 26, 2026, to review and approve the institution's unaudited financial statements for the nine-month period concluding on September 30, 2026. The lender sustained its business expansion and core earnings, highlighting its competitive standing inside Pakistan's banking sector.

Financial Highlights at a Glance

  • Net Interest Income: Rs. 69.40 billion (19 percent YoY growth)
  • Non-Markup Income (excluding gains): Rs. 18.04 billion (47 percent YoY growth)
  • Operating Profit (before provisions and gains): Rs. 34.42 billion (34 percent YoY growth)
  • Profit Before Tax: Rs. 30.46 billion (15 percent YoY growth)
  • Profit After Tax: Rs. 14.53 billion (22 percent YoY growth)

Sustained Earnings Momentum

Operating profit before provisions and gains climbed to Rs. 34.42 billion, marking a 34 percent increase from the previous year. Net interest income reached Rs. 69.40 billion, while non-markup income rose to Rs. 18.04 billion. Profit before tax grew to Rs. 30.46 billion, and profit after tax advanced to Rs. 14.53 billion. The cost-to-income ratio improved by 3.03 percent.

Advances and Deposit Mix

Gross advances registered a 28 percent year-on-year increase, reaching Rs. 1,073 billion. Current deposits grew by 16 percent, while average current deposits rose by 25 percent compared to the prior year. Total assets stood at Rs. 2,456 billion, and total deposits reached Rs. 1,928 billion.

Capital Base and Compliance

The lender received Rs. 15.6 billion from the Government of Punjab through equity injection arrangements. By September 30, 2026, the Capital Adequacy Ratio was 13.94 percent, and the leverage ratio was 4.07 percent. The bank also complied with IFRS 9 provisioning requirements.

Strategic Milestones

PACRA upgraded the bank's long-term credit rating to the AAA category with a Stable Outlook. The State Bank of Pakistan gave in-principle approval to set up an Overseas Wholesale Banking Unit in Bahrain. Additionally, the institution won three accolades at the Pakistan Banking Awards 2026 for Agriculture Inclusion, SME Banking, and Women's Inclusion.