The Bank of Khyber (BOK) financial ratios

The Bank of Khyber earned a net margin of 25.6% in FY2025 against a five-year average of 17.6% (Commercial Banks median 22.2%). Return on equity was 25.5%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 25.6%; Sector median 22.2%
Return on equity (ROE): 25.5%; Sector median 17.0%
Return on assets (ROA): 1.2%; Sector median 1.2%
Debt to equity: 171.8%; Sector median 253.4%
Dividend payout ratio: 63.7%; Sector median 50.4%

Median of the 19 companies in the sector with the figure for their latest fiscal year.

BOK financial ratios (annual) (Rs mn)
Rs mn	FY2025 Jan – Dec 2025	FY2024 Jan – Dec 2024	FY2023 Jan – Dec 2023	FY2022 Jan – Dec 2022	FY2021 Jan – Dec 2021	FY2020 * Jan – Dec 2020	FY2019 * Jan – Dec 2019	FY2018 * Jan – Dec 2018	FY2017 Jan – Dec 2017	FY2016 Jan – Dec 2016	FY2015 Jan – Dec 2015	FY2014 Jan – Dec 2014	FY2013 Jan – Dec 2013	FY2012 * Jan – Dec 2012	FY2011 Jan – Dec 2011	FY2010 * Jan – Dec 2010	FY2009 Jan – Dec 2009	FY2008 Jan – Dec 2008	FY2007 * Jan – Dec 2007	FY2006 Jan – Dec 2006
Profitability
Pre-tax margin	54.1%	45.4%	42.7%	11.2%	22.4%	40.7%	39.3%	15.7%	44.0%	46.4%	48.4%	41.9%	45.4%	44.8%	42.0%	55.9%	(60.8%)	15.4%	6.6%	23.0%
Net margin	25.6%	20.2%	22.2%	5.5%	14.7%	23.0%	22.7%	10.3%	28.2%	28.9%	29.3%	28.9%	31.4%	30.7%	28.5%	48.7%	(48.5%)	10.2%	18.0%	22.9%
Effective tax rate	52.6%	55.6%	48.1%	50.6%	34.3%	43.5%	42.2%	34.0%	35.9%	37.6%	39.5%	31.1%	30.9%	31.4%	32.1%	12.9%	—	33.3%	(175.4%)	0.2%
Returns
Return on equity (ROE)	25.5%	17.1%	19.0%	2.8%	6.4%	13.5%	10.1%	3.4%	11.4%	12.6%	11.6%	9.5%	9.5%	9.8%	8.8%	8.1%	(12.0%)	2.6%	4.8%	7.4%
Return on assets (ROA)	1.2%	0.8%	1.0%	0.1%	0.3%	0.7%	0.5%	0.2%	0.8%	1.1%	1.3%	1.1%	1.2%	1.4%	1.5%	1.4%	(1.8%)	0.4%	0.7%	0.8%
Leverage
Debt to equity	171.8%	719.8%	278.9%	424.5%	678.3%	331.8%	682.5%	305.3%	424.2%	182.6%	110.8%	99.1%	124.9%	68.0%	103.0%	33.8%	90.2%	22.1%	28.6%	149.2%
Debt to capital	63.2%	87.8%	73.6%	80.9%	87.2%	76.8%	87.2%	75.3%	80.9%	64.6%	52.6%	49.8%	55.5%	40.5%	50.7%	25.3%	47.4%	18.1%	22.2%	59.9%
Debt to assets	9.0%	33.0%	14.8%	20.2%	31.3%	20.5%	31.6%	16.0%	26.6%	14.3%	11.4%	11.7%	14.5%	9.7%	15.6%	6.3%	13.9%	3.3%	5.6%	16.5%
Assets to equity	20.42×	20.40×	19.83×	21.32×	18.84×	18.60×	20.44×	17.28×	14.32×	11.28×	9.12×	8.53×	7.84×	6.82×	6.03×	5.83×	6.59×	5.80×	6.43×	9.51×
Dividends
Dividend payout ratio	63.7%	45.8%	0.0%	0.0%	0.0%	0.0%	0.0%	321.9%	83.8%	74.3%	69.9%	76.4%	0.0%	0.0%	0.0%	0.0%	—	0.0%	0.0%	0.0%
Earnings retention rate	0.36×	0.54×	1.00×	1.00×	1.00×	1.00×	1.00×	(2.22×)	0.16×	0.26×	0.30×	0.24×	1.00×	1.00×	1.00×	1.00×	—	1.00×	1.00×	1.00×

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

BOK: frequently asked questions

What is BOK's EPS?

The Bank of Khyber reported basic earnings per share of Rs 5.02 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Mar 2026) EPS was Rs 4.51.

What is BOK's P/E ratio?

At the closing price of Rs 27.29 on 16 Oct 2026, BOK trades at a P/E of 6.1× based on EPS of Rs 4.51 (TTM to Mar 2026).

Does BOK pay dividends?

Yes. The Bank of Khyber declared a dividend of Rs 3.20 per share for FY2025. It has paid a dividend in each of the last 3 years. At Rs 27.29 that is a dividend yield of 11.7%.

What was BOK's total income and profit in FY2025?

The Bank of Khyber reported total income of Rs 22.7 bn and profit attributable to shareholders of Rs 5.8 bn for FY2025 (Jan – Dec 2025).

What is BOK's book value per share?

The Bank of Khyber's book value per share was Rs 20.45 at the end of FY2025. The shares trade at 1.47× book value.

Information only, not investment advice.