Lahore: The Bank of Punjab (BOP) has maintained its credit rating, supported by strategic backing from its principal shareholder, the Government of Punjab. The public-sector parentage has enabled BOP to access underserved market segments, reinforcing public trust and facilitating participation in development-focused initiatives across agriculture, SMEs, and financial inclusion.

BOP has achieved significant progress in the SME and agriculture sectors, with its SME market share increasing from 6% to 15.6% in under three years. The bank continues to support small businesses, women entrepreneurs, and rural communities while focusing on climate-related financing. Digital transformation remains a strategic priority, with a 95.3% increase in digital transaction volumes since 2022 and 75% of transactions now conducted digitally.

The bank's commitment to financial inclusion is evident through offerings such as SME e-Qarza, freelancer accounts, and government-backed initiatives like the Kissan and Livestock Cards. BOP is exploring foreign funding opportunities and maintaining a stable deposit base, which grew by 10.2% to PKR 1,885.1 billion during 9MCY25.

Current account deposits saw a 10.6% increase, constituting 20.8% of total deposits. The bank's more conservative lending approach is reflected in the ADR decline to 41.6%. Profitability improved with a 41.9% increase in PAT, reaching PKR 11.9 billion, driven by enhanced NIMR. The equity base rose to PKR 98.2 billion, with the CAR at 17.43%.

BOP's strong government-backed franchise, leadership in SME and agriculture financing, and digital transformation efforts continue to support its credit strength.