⚡ Flash Summary

The Bank of Punjab (BOP) reported its financial results for the quarter ended September 30, 2025. The bank’s net profit after taxation registered at PKR 5.145 billion. Total income was at PKR 28.246 billion in Quarter Ended September 30, 2025. The board commends the exceptional performance during the period, reflecting strong operational execution and strategic focus. The Directors’ report highlight optimism surrounding the IMF’s second review.

📌 Key Takeaways

• 🎉 Net profit after taxation stood at PKR 5.145 billion for the quarter ended September 30, 2025.
• 💰 Basic earnings per share (EPS) reached PKR 1.57.
• 📈 Total income amounted to PKR 28.246 billion.
• 🚀 Net mark-up/interest income was PKR 22.648 billion.
• 🤝 Fee and commission income totaled PKR 3.562 billion.
• 🌐 Foreign exchange income (net) reached PKR 908.174 million.
• 💸 Gain on securities (net) reached PKR 939.119 million.
• 📊 Total non-markup/interest income was PKR 5.598 billion.
• 📉 Operating expenses stood at PKR 14.928 billion.
• 💼 Charge/(reversal) of credit loss allowance and write offs (net) was PKR 1.764 billion.
• 🏢 Profit before taxation was PKR 11.238 billion.
• 💸 Total assets reached PKR 2,535.817 billion.
• 🏦 Deposits and other accounts amounted to PKR 1,885.105 billion.
• 💹 Total liabilities reached PKR 2,437.621 billion.
• 🌱 Net Assets reached PKR 98.195 billion.

🎯 Investment Thesis

The Bank’s improving financial results and strategic initiatives make it a potential HOLD. The results can not be fully assesed with only this data set.