Bank Of Khyber · PSX:BOK
Bank Of Khyber — FY2025 Earnings Presentation
16 slides from Bank Of Khyber's earnings presentation, Apr 23, 2026
Slide 1: Corporate Briefing Session-Dec 2025
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Slide 2: Bank of Khyber-Custodian of Rich Values
Bank of Khyber-Custodian of Rich Values Bank of Khyber (BoK) was established under the Bank of Khyber Act, 1991 and acquired the status of a schedule bank in 1994. BoK is listed on Pakistan Stock Exchange Limited (PSX) and is one of the three provincial government owned commercial banks operating in
Slide 3: Countrywide Presence
Countrywide Presence KPK 170 30 Gilgit 1 Booths: 14 Islamabad 17 AJK 2 Conventional: 55 (22%) Islamic: 199 (78%) Punjab 41 Baluchistan 7 59 Branches converted during FY Dec 2025 Sindh 16 3
Slide 4: BOK-Executive Overview
BOK-Executive Overview (Rs. in Million) Distribution Deposits Advances Investments 254- PKR 378,123 78% Islamic PKR 126,705 PKR 274,956 2024: 277,642 2024:146,882 Network 2024: 282,766 15% 61% 8% Vs. 2024 Vs. 2024 Vs. 2024 Net Interest Income Profit After Tax Total Equity PKR 19,001 PKR 5,816 PKR 23
Slide 5: Announcement of Full conversion of Bank into Islamic
Announcement of Full conversion of Bank into Islamic (Feb 2025) Credit rating upgraded to AA- by VIS credit rating agency Incorporation of 'BOK Currency Exchange Company (Private) Limited' dated January 19, 2026 Launch of KORPAY Branch for Home Remittances Launch of Mastercard Debit Card
Slide 6: BOK on Road to Transformation
BOK on Road to Transformation Become Modern, Agile, Customer Centric, In the process of Conversion to Exciting & Digitally Savvy brand in the market Islamic bank Diversification of the deposits and Developing strong IT and digital banking capabilities advances to capitalize on growth opportunities C
Slide 7: Statement of Profit & Loss
Statement of Profit & Loss (Rs. in Million) Positive/ Negative Description 2024 2025 Var % Markup Income: Variance Sizeable growth of 15% as compared to last year due to higher core spread, higher average volumes and lower COD Mark-up/return/interest earned 65,221 52,234 -12,987 -20% Mark-up/return/
Slide 8: Key Financial Metrics (P&L)
Key Financial Merics (P&L) (Rs. in Million) Rs in Million TOTAL BANK 2022 2023 2024 2025 3YR CAGR Mark-up/return/interest earned 40,242 59,070 65,221 52,234 9.1% Mark-up/return/interest expensed 33,093 45,178 48,729 33,233 0.1% Net mark-up/ return/ interest income 7,149 13,893 16,492 19,001 38.5% No
Slide 9: Statement of Financial Position
Statement of Financial Position (Rs. in Million) Rs in Million Description 2024 2025 Variance Variance% Cash and balances with treasury banks 23,993 25,398 1,405 6% Advances: Balances with other banks 3,252 3,217 -35 -1% Despite reduction in the year end numbers, there was a growth in average advanc
Slide 10: Key Financial Metrics (Balance Sheet)
Key Financial Metrics (Balance Sheet) (Rs. in Million) Rs in Million Description 2022 2023 2024 2025 3YR CAGR ASSETS Cash & balances with treasury banks 16,274 23,896 23,993 25,398 16.0% Balances with other banks 3,557 3,960 3,252 3,217 -3.3% Lendings to financial institutions 7,641 2,000 134 3,439
Slide 11: Key Performance Indicators
Key Performance Indicators (Rs. in Million) TOTAL BANK 2022 2023 2024 2025 CAGR Deposits 248,906 289,292 277,642 378,123 15.0% Government 141,125 164,351 148,961 216,877 15.4% Private/ Others 107,781 124,940 128,681 161,247 14.4% Advances (gross) 134,913 109,703 159,624 138,605 0.9% Advances (net) 1
Slide 12: Key Performance Indicators
Key Performance Indicators (Rs. in Million) KPIs 2022 2023 2024 2025 Return on Average Net Assets 2.8% 18.2% 17.1% 25.5% Return on Assets 0.1% 0.8% 0.8% 1.2% Advances (gross) to Deposits Ratio 54.2% 37.9% 57.5% 36.7% Capital Adequacy Ratio 14.9% 18.3% 17.8% 20.1% Gross Infection Ratio (NPL / Gross A
Slide 13: Segmental Performance
Segmental Performance (Rs. in Million) The major contributing segments in profitability for FY 2025 were Treasury followed by Corporate & Investment Banking Group and Retail Banking Group Treasury Investment portfolio re-profiled relative to 2024 with increased allocation towards Islamic Banking S
Slide 14: Awards & Recognitions-2025
Awards & Recognitions-2025 Asia Pacific Ranking Highest Women Financing VIS Credit Rating Ranked among the top Asia- Bank Trophy (Peshawar Upgrading the medium-to- Pacific banks for Region)- Awarded by the long-term rating to AA- and shareholder returns in 2025 State Bank of Pakistan a stable outloo
Slide 15: Key Business Risks
Key Business Risks The Bank’s risk management framework ensures effective identification, measurement, monitoring, and control of risks. The Bank is exposed to credit risk across lending, investments, and contingent exposures, managed through a Credit robust framework that ensures effective risk ide
Slide 16: Thank You
Thank You