People's Bank posts record 40.2 billion rupees profit; assets top four trillion rupees

People’s Bank has announced the strongest financial performance in its history for the year ended December 31, 2025, reporting an all-time high standalone Profit After Tax (PAT) of 40.2 billion rupees.

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This landmark achievement underscores the Bank’s exceptional stability and its pivotal role as a driver of national economic activity. Despite the external challenges posed by Cyclone Ditwah during the year, the Bank utilized proactive business continuity measures and prudent risk management to limit financial impact and deliver these record-breaking results.

The Bank's stellar standalone performance was the primary driver of its success, characterized by significant growth across all key income lines. Operating income rose by 32.5 percent to 165.8 billion rupees, while net interest income grew by 32.8 percent to 142.4 billion rupees. This growth lifted the net interest margin to 4.1 percent, up from 3.4 percent in the previous year. The Bank's balance sheet also demonstrated steady expansion, with solo assets reaching 3.7 trillion rupees, deposits increasing to 3.2 trillion rupees, and net loans growing to 1.7 trillion rupees. This solo strength is underpinned by a robust capital position, with Total Capital Adequacy and Tier 1 ratios of 16.5 percent and 12.2 percent, respectively, well above regulatory thresholds.