Financial Ratios The Bank of Khyber

Equities

BOK

PK0085401013

Banks

End-of-day quote Pakistan S.E. Other stock markets 05/06/2026			5-day change	1st Jan Change
32.59 ^PKR	-1.33%		-1.60%	-6.57%

04-27	The Bank of Khyber Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
03-30	The Bank of Khyber Approves Final Cash Dividend for the Year Ended December 31, 2025	CI

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Published financial data: THE BANK OF KHYBER

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	21.94B	40.24B	59.07B	65.22B	52.23B
Interest Income On Investments	37.86M	13.43M	11.1M	2.05M	5K
Interest Income, Total	21.98B	40.26B	59.08B	65.22B	52.23B
Interest On Deposits	15.15B	33.09B	45.18B	48.73B	33.23B
Interest Expense, Total	15.15B	33.09B	45.18B	48.73B	33.23B
Net Interest Income	6.83B	7.16B	13.9B	16.49B	19B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	38.87M	4.37M	948K	10.28M	15.57M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-114M	7.53M	-70.59M	153M	2.29B
Income (Loss) on Equity Invest. (Income Block)	46.36M	917K	9K	11.18M	15.39M
Total Other Non Interest Income	1.01B	1.37B	2.16B	1.6B	1.79B
Non Interest Income, Total	983M	1.38B	2.09B	1.78B	4.11B
Revenues Before Provison For Loan Losses	7.81B	8.55B	16B	18.27B	23.11B
Provision For Loan Losses	832M	902M	705M	-426M	-881M
Total Revenues	6.98B	7.64B	15.29B	18.7B	23.99B
Selling General & Admin Expenses, Total	158M	163M	237M	440M	516M
Total Other Non Interest Expense	5.07B	6.55B	8.36B	10.12B	11.2B
Non Interest Expense, Total	5.23B	6.71B	8.59B	10.56B	11.71B
EBT, Excl. Unusual Items	1.75B	932M	6.7B	8.14B	12.28B
Restructuring Charges	-	-	-	-	-
Asset Writedown	-3.4M	-15.95M	-	-	-10.94M
Other Unusual Items	-63.54M	3.97M	5.11M	-3.49M	17.01M
EBT, Incl. Unusual Items	1.68B	920M	6.7B	8.14B	12.28B
Income Tax Expense	577M	465M	3.22B	4.52B	6.47B
Earnings From Continuing Operations	1.1B	455M	3.48B	3.62B	5.82B
Net Income to Company	1.1B	455M	3.48B	3.62B	5.82B
Net Income - (IS)	1.1B	455M	3.48B	3.62B	5.82B
Net Income to Common Incl Extra Items	1.1B	455M	3.48B	3.62B	5.82B
Net Income to Common Excl. Extra Items	1.1B	455M	3.48B	3.62B	5.82B
Per Share Items
Net EPS - Basic	0.95	0.39	3.01	3.12	5.02
Basic EPS - Continuing Operations	0.95	0.39	3.01	3.12	5.02
Basic Weighted Average Shares Outstanding	1.16B	1.16B	1.16B	1.16B	1.16B
Net EPS - Diluted	0.95	0.39	3.01	3.12	5.02
Diluted EPS - Continuing Operations	0.95	0.39	3.01	3.12	5.02
Diluted Weighted Average Shares Outstanding	1.16B	1.16B	1.16B	1.16B	1.16B
Normalized Basic EPS	0.94	0.5	3.61	4.39	6.63
Normalized Diluted EPS	0.94	0.5	3.61	4.39	6.63
Dividend Per Share	-	-	1.43	1.7	3.2
Payout Ratio	132.72	0.7	0	45.35	63.08
Supplemental Items
Effective Tax Rate - (Ratio)	34.32	50.55	48.05	55.56	52.65
Current Domestic Taxes	633M	414M	3.21B	3.89B	5.98B
Total Current Taxes	633M	414M	3.21B	3.89B	5.98B
Deferred Domestic Taxes	-53.87M	108M	-4.77M	371M	495M
Total Deferred Taxes	-53.87M	108M	-4.77M	371M	495M
Normalized Net Income	1.09B	582M	4.19B	5.09B	7.67B
Non-Cash Pension Expense	-34.26M	-37.46M	-33.32M	-34.24M	-22.25M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	18.09B	8.4B	13.63B	11.7B	13.35B
Investment Securities, Total	184B	178B	223B	282B	274B
Trading Asset Securities, Total	2.74B	59.03M	31.45M	1.06B	1.36B
Total investments	187B	178B	223B	283B	275B
Gross Loans	134B	139B	112B	160B	144B
Allowance For Loan Losses	-6.86B	-7.64B	-8.35B	-12.85B	-11.98B
Other Adjustments to Gross Loans	-	-	-	-	-1.9B
Net Loans	128B	131B	104B	147B	130B
Gross Property Plant And Equipment	7.25B	8.17B	12.23B	12.97B	14.53B
Accumulated Depreciation	-2.11B	-2.55B	-5.29B	-6.62B	-8.11B
Net Property Plant And Equipment	5.14B	5.61B	6.95B	6.35B	6.42B
Other Intangibles, Total	450M	474M	429M	361M	380M
Accrued Interest Receivable	6.65B	6.92B	13.23B	9.08B	6.52B
Other Receivables	-	48.15M	5.23B	343M	477M
Restricted Cash	11.4B	11.43B	14.23B	15.54B	15.27B
Other Current Assets, Total	671M	1.06B	205M	347M	1B
Deferred Tax Assets Long-Term (Collected)	992M	1.37B	1.35B	1.19B	1.03B
Other Real Estate Owned And Foreclosed	391M	358M	379M	315M	336M
Deferred Charges Long-Term	-	-	-	2.07B	2.11B
Other Long-Term Assets, Total	370M	327M	499M	470M	1.3B
Total Assets	359B	345B	383B	478B	453B
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	484M	498M	962M	1.37B	1.87B
Interest Bearing Deposits	186B	206B	241B	223B	307B
Non-Interest Bearing Deposits	35.57B	42.42B	48.64B	54.9B	71.07B
Total Deposits	222B	249B	289B	278B	378B
Short-Term Borrowings	106B	61.13B	45.57B	129B	32.33B
Current Portion of Long-Term Debt	101M	992M	700M	719M	553M
Current Portion of Leases	-	-	-	666M	586M
Long-Term Debt	3.99B	4.17B	4.21B	4.01B	2.81B
Long-Term Leases	1.45B	1.37B	2.41B	1.48B	1.17B
Current Income Taxes Payable	-	-	945M	1.45B	-
Accrued Interest Payable	5.6B	7.58B	13.83B	16.03B	7.41B
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	1.09B	2.46B	3.89B	22.17B	3.38B
Unearned Revenue Non Current	386M	308M	345M	395M	774M
Pension & Other Post Retirement Benefits	-	-	-	-	3.5M
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	613M	1.14B	739M	921M	609M
Total Liabilities	342B	329B	363B	456B	430B
Common Stock, Total	10.5B	11.03B	11.03B	11.58B	11.58B
Retained Earnings	5.72B	5.63B	9.15B	8.64B	10.74B
Comprehensive Income and Other	351M	-230M	125M	1.68B	1.36B
Total Common Equity	16.57B	16.43B	20.3B	21.9B	23.68B
Total Equity	16.57B	16.43B	20.3B	21.9B	23.68B
Total Liabilities And Equity	359B	345B	383B	478B	453B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.16B	1.16B	1.16B	1.16B	1.16B
ECS Total Common Shares Outstanding	1.16B	1.16B	1.16B	1.16B	1.16B
Book Value / Share	14.31	14.19	17.53	18.91	20.45
Tangible Book Value	16.12B	15.95B	19.87B	21.54B	23.3B
Tangible Book Value Per Share	13.92	13.78	17.16	18.6	20.12
Total Debt	112B	67.67B	52.89B	136B	37.46B
Deposits at Interest - Cash	9.76B	2.59B	1.79B	2.9B	2.73B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-304M	-210M	-206M	-166M	3.5M
Net Debt	89.11B	55.37B	39.22B	123B	22.75B
Equity Method Investments, Total	92.78M	89.98M	90.21M	102M	117M
Full Time Employees	1.75K	1.93K	2.07K	2.22K	2.11K
Number Of Offices	216	231	238	246	254

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.1B	455M	3.48B	3.62B	5.82B
Depreciation, Depletion & Amortization	816M	1.06B	1.4B	1.6B	1.68B
Amortization of Goodwill and Intangible Assets - (CF)	17.2M	38.55M	39.75M	36.64M	39.12M
Total Depreciation, Depletion & Amortization	833M	1.1B	1.44B	1.64B	1.72B
Amortization of Deferred Charges, Total	64.02M	38.13M	45.85M	44.74M	47.81M
(Gain) Loss On Sale of Asset - (CF)	-38.87M	-4.37M	-948K	-10.28M	-15.57M
(Gain) Loss on Sale of Investments - (CF)	50.12M	130M	-123M	-6.19M	29.17M
Total Asset Writedown	11.74M	-24.29M	78.23M	-35.55M	10.8M
Provision for Credit Losses	773M	780M	750M	-386M	-863M
(Income) Loss On Equity Investments - (CF)	-46.36M	-917K	-9K	-11.18M	-15.39M
Change in Trading Asset Securities	-1.12B	2.39B	-	320M	5.44M
Change in Other Net Operating Assets (Collected)	60.22B	-46.98B	11.36B	56.7B	-99.31B
Other Operating Activities	-1.93B	-314M	1.24B	7.89B	-7.5B
Cash from Operations	59.92B	-42.43B	18.27B	69.76B	-100B
Capital Expenditure	-1.5B	-982M	-768M	-664M	-1.39B
Sale of Property, Plant, and Equipment	47.78M	8.78M	4.56M	15.4M	20.31M
Purchase / Sale of Intangible Assets	-11.22M	-100M	-40.49M	-14.14M	-105M
Investment in Marketable and Equity Securities, Total	-71.11B	7.18B	-49.34B	-55.37B	7.12B
Other Investing Activities, Total	37.86M	13.43M	11.1M	2.05M	3.04M
Cash from Investing	-72.53B	6.12B	-50.13B	-56.03B	5.66B
Long-Term Debt Repaid, Total	-513M	-763M	-993M	-1.01B	-1.1B
Total Debt Repaid	-513M	-763M	-993M	-1.01B	-1.1B
Common Dividends Paid	-1.46B	-3.17M	-168K	-1.64B	-3.67B
Common & Preferred Stock Dividends Paid	-1.46B	-3.17M	-168K	-1.64B	-3.67B
Net Increase (Decrease) in Deposit Accounts - (CF)	18.8B	27.03B	40.39B	-11.65B	100B
Cash from Financing	16.83B	26.26B	39.39B	-14.3B	95.71B
Foreign Exchange Rate Adjustments	346M	389M	496M	-34.14M	71.48M
Miscellaneous Cash Flow Adjustments	-	-	-	-325K	199K
Net Change in Cash	4.56B	-9.66B	8.03B	-610M	1.37B
Supplemental Items
Cash Interest Paid	13.45B	-	-	46.09B	41.46B
Cash Income Tax Paid (Refund)	2.26B	521M	1.68B	3.68B	8.02B
Net Debt Issued / Repaid	-513M	-763M	-993M	-1.01B	-1.1B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.34	0.13	0.96	0.84	1.25
Return On Equity %	6.43	2.76	18.96	17.13	25.52
Return on Common Equity	6.43	2.76	18.96	17.13	25.52
Shareholders Value Added	-940M	-1.49B	1.32B	1.12B	3.12B
Margin Analysis
SG&A Margin	1.4	1.24	0.63	1.15	1.35
Net Interest Income / Total Revenues %	97.83	93.71	90.93	88.21	79.2
EBT Excl. Non-Recurring Items Margin %	25.04	12.19	43.79	43.52	51.17
Income From Continuing Operations Margin %	15.81	5.95	22.77	19.33	24.24
Net Income Margin %	15.81	5.95	22.77	19.33	24.24
Net Avail. For Common Margin %	15.81	5.95	22.77	19.33	24.24
Normalized Net Income Margin	15.65	7.62	27.37	27.2	31.98
Asset quality
Nonperforming Loans / Total Loans %	7.83	8.46	11.87	8.32	8.7
Nonperforming Loans / Total Assets %	2.93	3.41	3.47	2.79	2.76
Nonperforming Assets / Total Assets %	3.04	3.51	3.57	2.85	2.84
NPAs / Loans and OREO	8.1	8.7	12.17	8.5	8.91
NPAs / Equity	65.85	73.74	67.33	62.18	54.34
Allowance for Credit Losses / Nonperforming Loans %	65.17	64.96	62.86	96.59	95.64
Allowance for Credit Losses / Total Loans %	5.1	5.5	7.46	8.04	8.32
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.31	4.69	5.04	4.9	4.9
Total Average Equity / Total Average Assets %	5.31	4.69	5.04	4.9	4.9
Total Equity + Allowance for Loan Losses / Total Loans %	17.43	17.32	25.6	21.74	24.76
Gross Loans / Total Deposits %	60.58	55.82	38.7	57.58	38.09
Net Loans / Total Deposits %	57.49	52.76	35.81	52.95	34.42
Tier 1 Capital Ratio %	14.47	14.8	18.09	15.67	18.31
Total Capital Ratio %	14.74	14.88	18.25	17.81	20.15
Core Tier 1 Capital Ratio	14.47	14.8	18.09	15.67	18.31
Tier 2 Capital Ratio	0.27	0.08	0.16	2.14	1.84
Coverage Ratio	-	-	-	96.59	95.64
Interbank Ratio	21.85	85.48	92.13	4.61	29.11
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.11	1.03	1.15	1.17	1.37
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.72	4.91	94.13	18.63	15.2
Non Interest Income, 1 Yr. Growth %	-65.59	40.68	51.31	-14.97	130.86
Provision For Loan Losses, 1 Yr. Growth %	-48.33	8.45	-21.84	-160.38	106.97
Total Revenues, 1 Yr. Growth %	-13.05	9.53	100.07	22.29	28.3
Earnings From Cont. Operations, 1 Yr. Growth %	-48.71	-58.78	665.34	3.84	60.87
Net Income, 1 Yr. Growth %	-48.71	-58.78	665.34	3.84	60.87
Normalized Net Income, 1 Yr. Growth %	-55.02	-46.66	618.61	21.54	50.84
Diluted EPS Before Extra, 1 Yr. Growth %	-48.71	-58.78	665.34	3.84	60.87
Dividend Per Share, 1 Yr. Growth %	-	-	-	19	88.24
Gross Loans, 1 Yr. Growth %	-0.55	3.38	-19.44	42.81	-11.02
Allowance For Loan Losses, 1 Yr. Growth %	12.71	11.38	9.4	53.77	-6.71
Net Loans, 1 Yr. Growth %	-1.17	2.95	-21.12	41.92	-11.48
Non Performing Loans, 1 Yr. Growth %	44.6	11.74	13.05	0.08	-5.79
Non Performing Assets, 1 Yr. Growth %	42.43	11.01	12.85	-0.39	-5.51
Total Assets, 1 Yr. Growth %	24.39	-3.8	11.07	24.63	-5.08
Total Deposits, 1 Yr Growth %	9.26	12.18	16.23	-4.03	36.19
Tangible Book Value, 1 Yr. Growth %	-6.5	-1.03	24.56	8.38	8.17
Common Equity, 1 Yr. Growth %	-6.76	-0.86	23.58	7.87	8.12
Total Equity, 1 Yr. Growth %	-6.76	-0.86	23.58	7.87	8.12
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	19.52	2.79	42.71	51.75	16.9
Non Interest Income, 2 Yr. CAGR %	-5.42	-30.42	45.9	13.43	40.11
Provision For Loan Losses, 2 Yr. CAGR %	528.02	-25.14	-7.94	-31.3	11.79
Total Revenues, 2 Yr. CAGR %	8.76	-2.41	48.03	56.41	25.26
Earnings From Cont. Operations, 2 Yr. CAGR %	-8.08	-54.02	77.61	181.92	29.25
Net Income, 2 Yr. CAGR %	-8.08	-54.02	77.61	181.92	29.25
Normalized Net Income, 2 Yr. CAGR %	-15.67	-51.02	95.78	195.53	35.4
Diluted EPS Before Extra, 2 Yr. CAGR %	-8.08	-54.02	77.61	181.92	29.25
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	49.66
Gross Loans, 2 Yr. CAGR %	6.26	1.4	-8.74	7.26	13.43
Allowance For Loan Losses, 2 Yr. CAGR %	23.81	12.05	10.39	29.7	19.77
Net Loans, 2 Yr. CAGR %	5.51	0.87	-9.88	5.81	12.09
Non Performing Loans, 2 Yr. CAGR %	44.67	27.11	12.39	6.37	-2.9
Non Performing Assets, 2 Yr. CAGR %	42.21	25.74	11.93	6.02	-2.98
Total Assets, 2 Yr. CAGR %	8.2	9.39	3.37	17.66	8.76
Total Deposits, 2 Yr CAGR %	10.36	10.71	14.19	5.61	14.33
Tangible Book Value, 2 Yr. CAGR %	7.63	-3.8	11.03	16.19	8.27
Common Equity, 2 Yr. CAGR %	8.02	-3.86	10.69	15.46	7.99
Total Equity, 2 Yr. CAGR %	8.02	-3.86	10.69	15.46	7.99
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.58	14.43	27.06	34.18	38.44
Non Interest Income, 3 Yr. CAGR %	19.52	7.96	-9.85	21.87	43.74
Provision For Loan Losses, 3 Yr. CAGR %	69.45	249.72	-24.06	-20.01	-0.78
Total Revenues, 3 Yr. CAGR %	13.41	9.01	23.97	38.9	46.42
Earnings From Cont. Operations, 3 Yr. CAGR %	33.28	-29.64	17.39	48.51	133.83
Net Income, 3 Yr. CAGR %	33.28	-29.64	17.39	48.51	133.83
Normalized Net Income, 3 Yr. CAGR %	26.19	-27.61	19.91	67.01	136.18
Diluted EPS Before Extra, 3 Yr. CAGR %	33.28	-29.64	17.39	48.51	133.83
Dividend Per Share, 3 Yr. CAGR %	-	-	3.31	-	-
Gross Loans, 3 Yr. CAGR %	9.67	5.29	-6.09	5.95	1.2
Allowance For Loan Losses, 3 Yr. CAGR %	15.99	19.52	11.16	23.28	16.21
Net Loans, 3 Yr. CAGR %	9.36	4.65	-7.07	4.85	-0.3
Non Performing Loans, 3 Yr. CAGR %	31.2	32.74	22.24	8.13	2.15
Non Performing Assets, 3 Yr. CAGR %	32.81	30.94	21.29	7.66	2.03
Total Assets, 3 Yr. CAGR %	17.14	4.04	9.95	10.02	9.53
Total Deposits, 3 Yr CAGR %	9.03	10.97	12.52	7.76	14.96
Tangible Book Value, 3 Yr. CAGR %	11.51	4.66	4.85	10.14	13.45
Common Equity, 3 Yr. CAGR %	12.28	4.97	4.54	9.74	12.96
Total Equity, 3 Yr. CAGR %	12.28	4.97	4.54	9.74	12.96
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	8.65	8.08	21.79	28.11	22.89
Non Interest Income, 5 Yr. CAGR %	-18.1	-2.78	29.44	10.12	7.53
Provision For Loan Losses, 5 Yr. CAGR %	2.72	48.91	32.76	82.39	-11.36
Total Revenues, 5 Yr. CAGR %	1.59	3.06	26.16	25.95	24.48
Earnings From Cont. Operations, 5 Yr. CAGR %	-11.39	-23.97	49.5	22.58	22
Net Income, 5 Yr. CAGR %	-11.39	-23.97	49.5	22.58	22
Normalized Net Income, 5 Yr. CAGR %	-12.07	-20.56	50.42	27.07	25.88
Diluted EPS Before Extra, 5 Yr. CAGR %	-11.39	-23.97	49.5	22.58	22
Dividend Per Share, 5 Yr. CAGR %	-	-	-	31.53	19.82
Gross Loans, 5 Yr. CAGR %	24.5	9.21	1.9	6.07	1.28
Allowance For Loan Losses, 5 Yr. CAGR %	8.08	10.95	13.71	23.49	14.53
Net Loans, 5 Yr. CAGR %	25.93	9.11	1.22	5.11	0.17
Non Performing Loans, 5 Yr. CAGR %	14.03	19.58	23.33	21.48	11.48
Non Performing Assets, 5 Yr. CAGR %	14.87	20.3	24.02	20.34	10.92
Total Assets, 5 Yr. CAGR %	11.68	7.07	11.43	9.29	9.47
Total Deposits, 5 Yr CAGR %	7.16	9.34	11.07	8.79	13.24
Tangible Book Value, 5 Yr. CAGR %	0.02	0.89	11.32	9.13	6.21
Common Equity, 5 Yr. CAGR %	0.52	1.3	11.64	9.05	5.91
Total Equity, 5 Yr. CAGR %	0.52	1.3	11.64	9.05	5.91