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Commercial Banks

BOK The Bank of Khyber

Latest results: FY2025 · Dec 2025 Q1 FY2026 · Jan – Mar 2026

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Last close · 16 Oct 2026

Rs 27.29 -1.09%

Annual · FY2006 – FY2025

The Bank of Khyber (BOK) income statement

The Bank of Khyber reported total income of Rs 22.7 bn for FY2025 (Jan – Dec 2025), up 26.7% on FY2024. Net interest income was Rs 19.0 bn, up 15.2% on FY2024, with non-interest income of Rs 3.7 bn. Tax of Rs 6.5 bn took 52.6% of pre-tax profit. Profit attributable to shareholders was Rs 5.8 bn, up 60.9% on FY2024, or Rs 5.02 per share.

BOK income statement (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Interest & dividend income 52.2 65.2 59.1 40.3 22.0
Interest expense (33.2) (48.7) (45.2) (33.1) (15.1)
Net interest income 19.0 16.5 13.9 7.2 6.8
Fee & commission income (net) 0.8 0.8 0.4 0.4 0.3
Foreign exchange income 0.6 0.5 1.5 0.7 0.5
Gain / (loss) on securities 2.3 0.2 (0.1) 0.0 (0.1)
Total non-interest income 3.7 1.4 1.8 1.1 0.7
Total income 22.7 17.9 15.7 8.2 7.5
Operating expenses (10.5) (9.8) (9.1) (7.2) (5.8)
Provisions & impairment (loans) (0.9) (0.4) 0.8 0.8 0.8
Profit before tax 12.3 8.1 6.7 0.9 1.7
Taxation (6.5) (4.5) (3.2) (0.5) (0.6)
Profit after tax 5.8 3.6 3.5 0.5 1.1
Profit attributable to shareholders 5.8 3.6 3.5 0.5 1.1
Per share
EPS – basic (Rs) Rs 5.02 3.12 3.01 0.39 0.95
EPS – diluted (Rs) Rs 5.02 3.12 3.01 0.39 0.95
Dividend per share (Rs) Rs 3.20 1.70 1.43 0.00 0.00
Weighted average shares mn 1,157.9 1,157.9 1,157.9 1,157.9 1,157.9
BOK income statement — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Interest & dividend income -19.9% +10.4% +46.8% +83.2% -14.5%
Interest expense -31.8% +7.9% +36.5% +118.4% -19.9%
Net interest income +15.2% +18.6% +94.1% +4.9% +0.7%
Fee & commission income (net) +10.5% +96.0% -3.9% +36.5% +25.6%
Foreign exchange income +11.9% -63.7% +120.8% +38.3% -22.1%
Gain / (loss) on securities +1,211.8% — -1,037.5% — -106.6%
Total non-interest income +157.9% -18.7% +65.7% +62.6% -74.5%
Total income +26.7% +14.4% +90.4% +10.0% -20.0%
Operating expenses +6.8% +7.9% +26.3% +24.8% +5.2%
Provisions & impairment (loans) — -151.5% -3.9% +0.9% -52.0%
Profit before tax +51.0% +21.4% +628.5% -45.3% -55.9%
Taxation +43.1% +40.4% +592.5% -19.3% -65.2%
Profit after tax +60.9% +3.8% +665.3% -58.8% -48.7%
Profit attributable to shareholders +60.9% +3.8% +665.3% -58.8% -48.7%
Per share
EPS – basic (Rs) +60.9% +3.8% +665.3% -58.8% -48.7%
EPS – diluted (Rs) +60.9% +3.8% +665.3% -58.8% -48.7%
Dividend per share (Rs) +88.2% +19.0% — — -100.0%
Weighted average shares — — — — —

Change against the previous fiscal year; shown when the earlier figure is positive.

BOK income statement — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Interest & dividend income 229.9% 363.6% 376.8% 489.0% 293.6%
Interest expense (146.3%) (271.7%) (288.2%) (402.0%) (202.4%)
Net interest income 83.6% 92.0% 88.7% 87.0% 91.2%
Fee & commission income (net) 3.7% 4.2% 2.5% 4.9% 3.9%
Foreign exchange income 2.6% 3.0% 9.3% 8.0% 6.4%
Gain / (loss) on securities 10.3% 1.0% (0.5%) 0.1% (1.5%)
Total non-interest income 16.4% 8.0% 11.3% 13.0% 8.8%
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (46.2%) (54.8%) (58.1%) (87.6%) (77.2%)
Provisions & impairment (loans) (3.8%) (2.2%) 4.8% 9.5% 10.3%
Profit before tax 54.1% 45.4% 42.7% 11.2% 22.4%
Taxation (28.5%) (25.2%) (20.5%) (5.6%) (7.7%)
Profit after tax 25.6% 20.2% 22.2% 5.5% 14.7%
Profit attributable to shareholders 25.6% 20.2% 22.2% 5.5% 14.7%

Each line as a percentage of total income.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 161
BOK income statement — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Interest & Dividend Income/(Expense) - Net - Finance 19.0 16.5 13.9 7.2 6.8
Interest & Dividend Income - Finance - Total 52.2 65.2 59.1 40.3 22.0
Interest Income - Loans/Deposits 14.7 18.7 20.9 17.5 10.0
Interest & Fees on Loans & Receivables 13.7 17.0 19.0 16.6 9.5
Interest Income - Deposits to Other Financial Institutions 1.0 1.7 2.0 0.9 0.6
Interest & Dividend Income - Other - Finance 13.8 11.5 8.0 4.1 2.0
Interest Income - Collateralized Financing — — — — —
Interest & Dividend Income - Investment Securities - Finance 23.7 35.0 30.2 18.6 9.9
Net Commission & Fees Income/Expense - Business Revenue 0.8 0.8 0.4 0.4 0.3
Fees & Commissions Income 1.1 0.9 0.6 0.5 0.4
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 23.7 35.0 30.2 18.6 9.9
Fees & Commissions Expense 0.2 0.2 0.2 0.1 0.1
Investments & Loans - Business - Gain/(Loss) 2.3 0.2 (0.1) 0.0 (0.1)
Interest Expense - Finance - Total 33.2 48.7 45.2 33.1 15.1
Interest Expense - Operational Financing - Business 24.2 43.5 36.9 19.4 11.3
Interest Expense - Deposits 24.2 43.5 36.9 19.4 11.3
Investment Securities - Business - Gain/(Loss) 2.3 0.2 (0.1) 0.0 (0.1)
Interest Expense - Collateralized Financing — — — — —
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 2.3 0.2 (0.1) 0.0 (0.1)
Interest Expenses - Other - Total — — — — —
Interest Expense - External Financing Business 9.1 5.2 8.2 13.6 3.8
Non-Interest Business Revenue/(Expense) - Net - Total 3.7 1.4 1.8 1.1 0.7
Derivatives - Hedging - Business - Gain/(Loss) 0.0 0.0 0.0 0.0 —
Net Foreign Exchange Income/(Expense) - Business Revenue 0.6 0.5 1.5 0.7 0.5
Gain/(Loss) on Sale of Financial Instruments - Other (0.0) (0.0) — — —
Trading Investments/Trading Account Income - Gain/(Loss) — — 0.0 0.0 (0.0)
Trading Investments - Unrealized Gain/(Loss) — — 0.0 0.0 (0.0)
Investment Securities - Business Unclassified - Gain/(Loss) — — — — —
Revenue from Business Activities - Total 22.7 17.9 15.7 8.2 7.5
Selling, General & Administrative Expenses - Total 7.6 6.7 5.4 4.4 3.7
Selling, General & Administrative Expenses - Unclassified — — — — —
Depreciation in Selling, General & Administrative Expenses 1.7 1.6 1.4 1.0 0.8
Amortization of Intangibles in Selling, General & Administrative Expenses 0.1 0.1 0.1 0.1 0.1
Other Operating Expense/(Income) - Net 3.8 3.5 2.9 2.0 1.3
Other Operating Income - Total 0.1 0.1 0.2 0.1 0.1
Operating Expenses - Total 10.5 9.8 9.1 7.2 5.8
Provision & Impairment for Loan Losses (0.9) (0.4) 0.8 0.8 0.8
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 5.5 4.8 3.9 2.7 2.2
Selling, General & Administrative Expenses - Other - Total 0.3 0.2 0.1 0.7 0.6
Advertising Expense 0.3 0.2 0.1 0.1 0.1
Rental Expense 0.0 0.0 0.0 0.6 0.5
Operating Profit before Non-Recurring Income/(Expense) 12.2 8.1 6.6 1.0 1.7
Other Operating Expense 3.9 3.7 3.0 2.1 1.4
Operating Provisions - Increase/(Decrease) (0.0) (0.0) 0.1 (0.0) 0.0
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.0 0.0 0.0 0.0 0.0
Equity Earnings/(Loss) - before Taxes including Non-Recurring 0.0 0.0 0.0 0.0 0.0
Other Non-Operating Income/(Expense) - Total — — — — —
Normalized Pre-tax Profit 12.3 8.1 6.6 1.0 1.8
Non-Recurring Income/Expense - Total 0.0 0.0 0.1 (0.1) (0.1)
Impairment - Tangible & Intangible Fixed Assets 0.0 — — (0.0) —
Impairment - Fixed Assets 0.0 — — (0.0) —
Impairment - Financial Investments (0.0) (0.0) (0.1) 0.1 0.1
Early Extinguishment of Lease Related Debts - Gain/(Loss) 0.0 (0.0) 0.0 0.0 0.0
Fair Value Adjustments - Financial Investments (0.0) (0.0) — — —
COVID-19 Non-Recurring Income/(Expense) - Total — — — 0.0 (0.1)
COVID-19 Non-Recurring Income/(Expense) – Other — — — 0.0 (0.1)
Non-Recurring Income/(Expense) - Other - Total — — — — —
Provision for Income Tax Expense- Unclassified — — — — —
Income before Taxes 12.3 8.1 6.7 0.9 1.7
Income Taxes 6.5 4.5 3.2 0.5 0.6
Income Taxes for the Year - Current 6.0 3.9 3.2 0.4 0.6
Income Taxes - Deferred 0.5 0.4 (0.0) 0.1 (0.1)
Income Taxes - Other (by Type) (0.0) 0.3 0.0 (0.1) (0.0)
Net Income after Tax 5.8 3.6 3.5 0.5 1.1
Income before Discontinued Operations & Extraordinary Items 5.8 3.6 3.5 0.5 1.1
Net Income before Minority Interest 5.8 3.6 3.5 0.5 1.1
Net Income after Minority Interest 5.8 3.6 3.5 0.5 1.1
Income Available to Common Shares 5.8 3.6 3.5 0.5 1.1
Other Comprehensive Income - Starting Line — — — 0.5 1.1
Other Comprehensive Income - Unrealized Investment Gain/(Loss) — — — (0.6) (0.8)
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets — — — (0.0) 0.0
Other Comprehensive Income - Associated Companies — — — (0.0) —
Other Comprehensive Income - Pension Related — — — (0.0) 0.0
Other Comprehensive Income - Income Tax — — — — (0.0)
Other Comprehensive Income - Net of Tax - Total — — — (0.6) (0.8)
Comprehensive Income before Minority Interest - Total — — — (0.1) 0.3
Comprehensive Income - Attributable to Parent Company Equity Holders - Total — — — (0.1) 0.3
DPS - Common - Gross - Issue - By Period End Date Rs 3.20 1.70 1.43 0.00 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 5.8 3.6 3.5 0.5 1.1
Income available to Common excluding Extraordinary Items 5.8 3.6 3.5 0.5 1.1
Shares used to calculate Basic EPS - Total mn 1,157.9 1,157.9 1,157.9 1,157.9 1,157.9
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 5.02 3.12 3.01 0.39 0.95
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 5.02 3.12 3.01 0.39 0.95
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 5.00 3.12 2.90 0.49 1.05
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 5.8 3.6 3.5 0.5 1.1
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 1,157.9 1,157.9 1,157.9 1,157.9 1,157.9
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 5.02 3.12 3.01 0.39 0.95
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 5.02 3.12 3.01 0.39 0.95
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 5.00 3.12 2.90 0.49 1.05
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs — — — (0.12) 0.26
Dilution Adjustment — — — — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 5.8 3.6 3.5 0.5 1.1
Diluted Income available to Common excluding Extraordinary Items 5.8 3.6 3.5 0.5 1.1
Shares used to calculate Diluted EPS - Total mn 1,157.9 1,157.9 1,157.9 1,157.9 1,157.9
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 5.02 3.12 3.01 0.39 0.95
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 5.02 3.12 3.01 0.39 0.95
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 5.00 3.12 2.90 0.49 1.05
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 5.8 3.6 3.5 0.5 1.1
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 1,157.9 1,157.9 1,157.9 1,157.9 1,157.9
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 5.02 3.12 3.01 0.39 0.95
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 5.02 3.12 3.01 0.39 0.95
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 5.00 3.12 2.90 0.49 1.05
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs — — — (0.12) 0.26
DPS - Common - Gross - Issue - By Announcement Date Rs 3.20 1.43 0.00 0.00 1.30
DPS - Common - Net - Issue - By Announcement Date Rs 2.88 1.29 0.00 0.00 1.17
Earnings before Interest & Taxes (EBIT) 12.2 8.1 6.6 1.0 1.7
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 14.0 9.7 8.0 2.1 2.6
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 14.0 9.8 8.0 2.7 3.1
Depreciation & Amortization - Supplemental 1.8 1.6 1.5 1.1 0.9
Depreciation Expense - Total - Supplemental 1.7 1.6 1.4 1.0 0.8
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 0.8 0.8 0.7 0.5 0.4
Amortization - Total - Supplemental 0.1 0.1 0.1 0.1 0.1
Intangible Amortization - Other - Supplemental 0.1 0.1 0.1 0.1 0.1
Amortization of Licenses, Copyrights, Property Rights & Designs - Supplemental 0.0 0.0 0.0 0.0 0.0
Amortization of Computer Software - Supplemental 0.0 0.0 0.0 0.0 0.1
Depreciation, Depletion & Amortization - Total 1.8 1.6 1.5 1.1 0.9
Depreciation - Total 1.7 1.6 1.4 1.0 0.8
Amortization of Intangible Assets including Goodwill - Total — — — — —
Amortization of Intangible Assets excluding Goodwill - Total 0.1 0.1 0.1 0.1 0.1
Income from Islamic Financing & Investing 13.8 11.5 7.9 4.1 2.0
Labor & Related Expenses - Total 5.5 4.8 3.9 2.7 2.2
Labor & Related Expenses - Supplemental 5.5 4.8 3.9 2.7 2.2
Auditor Fees — — — 0.0 0.0
Audit-Related Fees — — — 0.0 0.0
Tax Fees — — — 0.0 —
Fees - Other — — — — 0.0
Normalized after Tax Profit 5.8 3.6 3.4 0.6 1.2
Normalized Net Income from Continuing Operations 5.8 3.6 3.4 0.6 1.2
Normalized Net Income - Bottom Line 5.8 3.6 3.4 0.6 1.2
Earnings before Interest & Taxes (EBIT) - Normalized 12.3 8.1 6.6 1.0 1.8
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 14.0 9.8 8.0 2.1 2.7
Loan Losses - Net — — — — —
Loan Recoveries - Actual — — — — —
Loan Losses - Actual — — — 0.0 0.0
Interest Expense on Financial Lease Liabilities - Supplemental 0.4 0.4 0.2 — 0.1
Rental/Operating Lease Expense 0.0 0.0 0.0 0.6 0.5
Advertising Expenses - Supplemental 0.3 0.2 0.1 0.1 0.1
Interest Expense 33.2 48.7 45.2 33.1 15.1
Interest & Dividend Income after Loan Loss Provision - Net - Finance 19.9 16.9 13.2 6.4 6.1
Commissions & Fees from Securities Activities 0.2 0.2 0.1 0.1 0.1
Revenue after Loan Provisions - Net - Finance 53.1 65.6 58.3 39.5 21.2
Operating Expenses 10.5 9.8 9.1 7.2 5.8
Foreign Exchange Gain/(Loss) 0.6 0.5 1.5 0.7 0.5
Selling, General & Administrative Expenses excluding Research & Development Expenses 7.6 6.7 5.4 4.4 3.7
Investment Gain/(Loss) 2.3 0.2 (0.1) 0.0 (0.1)
Non-Interest Expense - Bank 11.3 10.2 8.2 6.5 5.0
Income before Taxes & Provision for Loan Losses 11.4 7.7 7.5 1.7 2.5
DPS - Common - Gross - Issue - By Payable Date Rs 3.20 1.43 0.00 0.00 1.30
DPS - Common - Gross - Issue - By Ex Date Rs 3.20 1.43 0.00 0.00 1.30
Tax Adjusted Operating Income 5.8 3.6 3.5 0.5 1.1
Operating Expenses excluding Non-Cash Charges - Total 8.7 8.2 7.7 6.1 4.9
Revenue Net of Interest Expense Before Loan Loss Provision 22.7 17.9 15.7 8.2 7.5
Income from Earning Assets 55.2 65.9 60.5 40.9 22.3
Income Available to Common Shares before Depreciation & Amortization 7.6 5.3 4.9 1.6 2.0
Commissions and Fees 0.8 0.8 0.4 0.4 0.3
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 3.20 1.43 0.00 0.00 1.30

Every line the company reported, in the original order and wording, without regrouping or signs changed.