BOC's 9M 2025 Profit Soars 📈

• Profit Before Tax (PBT) for the first nine months of 2025 hit Rs. 87.7 Bn, a remarkable 133% YoY increase from Rs. 37.6 Bn in 9M 2024. Profit After Tax (PAT) was Rs. 55.7 Bn. • National Contribution: The bank affirmed its role in fiscal stability by contributing Rs. 55.3 Bn in direct and indirect taxes during the period. • Financial Drivers: Net Interest Income (NII) grew 62% to Rs. 153.2 Bn, driven by strategic repricing and balance sheet management. Total Operating Income rose 61%, while the Cost-to-Income ratio improved to 32% due to effective cost management. • Balance Sheet & Stability: Total Assets reached Rs. 5.5 Tn (+11% YTD), and the deposit base grew 9% to Rs. 4.6 Tn, demonstrating strong customer confidence. Gross Loans and Advances stood at Rs. 2.5 Tn. • Risk & Capital: The Stage 3 loan ratio was 6.69%. Capital positions remain robust, with ratios comfortably exceeding Basel III requirements. • Strategic Focus: Key initiatives focused on Financial Inclusion and Digital Banking, including the launch of the BizPlus Credit Card for MSMEs, enhancement of the Smart Remit app, and expansion of the branch network, while 100 branches now run on solar power (4 MW capacity).