Bank Of Khyber · PSX:BOK
Bank Of Khyber — The Bank of Khyber — H1 2025 Earnings Presentation
22 slides from Bank Of Khyber's earnings presentation, September 2025
Slide 1: Corporate Briefing Session
--------- Corporate Briefing Session For the Half Year Ended 30 June 2025 September 2025
Slide 2: On Road to Transformation
On Road to Transformation In the process of conversion into an Islamic Bank Diversification of the deposit base Structural Reorganization and Process Re-engineering Strengthening and growth of the Balance Sheet Expansion of Branch and Digital footprint Focus on generating higher non-mark up income C
Slide 3: Major Achievements
Major Achievements CREDIT RATING UPGRADED TO AA- BY VIS CREDIT RATING AGENCY ENHANCED PRODUCT SUITE TO MEET CUSTOMER NEEDS IN RAPIDLY CHANGING MARKET DYNAMICS BOK MASTER DEBIT CARD LAUNCHED INCREASE IN TRADE BUSINESS AND NON -MARKUP INCOME (YOY) DECLARED INTERIM CASH DIVIDEND OF RS 1.5 PER SHARE
Slide 4: Long Term Credit Rating Upgraded by VIS Credit Rating Agency
Long Term Credit Rating Upgraded by VIS Credit Rating Agency AA- A+ A AIM A- 2021 2025 2012 2010 2010 PACRA: A- 2013 PACRA: A 2022 PACRA: A+
Slide 5: Performance Highlights
Performance Highlights (Rs. in Million) 7,194 3,365 107% 117% 3,481 1,551 Jun 24 Restated Jun 25 Profit After Tax Profit Before Tax Jun 2024 Jun 2025 (Restated) Jun 2024 2025 vs. 2024 A Description Jun 2025 (Restated) Variance Var % Profit Before Tax 3,481 7,194 3,713 107% Profit After Tax 1,551 3,3
Slide 6: YTD Profit & Loss Comparison Jun 2024 vs. Jun 2025
YTD Profit & Loss Comparison Jun 2024 vs. Jun 2025 (Rs. in Million) Jun 24 Positive/Negative Description Jun 25 Var % Restated 'Variance Mark-up/return/interest earned 33,879 27,589 (6,290) -19% Mark-up/return/interest expensed 26,196 17,743 8,453 -32% Net Markup/Return/Interest Income 7,683 9,845 2
Slide 7: Statement of Financial Position-June 2025
Statement of Financial Position-June 2025 (Rs. in Million) Description Dec-24 Jun 25 Variance Variance% Cash and balances with treasury banks 23,993 29,055 5,062 21% Balances with other banks 3,252 15,747 12,494 384% Lendings to financial institutions 134 3,912 3,778 2829% Investments 282,767 351,70
Slide 8: Net Advances & NPL
Net Advances & NPL (Rs. in Million) NET ADVANCES Net NPL to Net Assets 146,882 -21% 2.55% 115,629 1.49% Dec 24 Jun 25 Dec-24 Jun-25 Dec-24 Jun-25 Non-Performing Loans (NPL) 9.77% 13,301 8.33% 12,742 12,483 12,136 0.38% 0.30% Infection Ratio - Gross Infection Ratio - Net Non Performing Loans (NPLs) P
Slide 9: Gross Advances Segment wise as of June 2025
Gross Advances Segment wise as of June 2025 (Rs. in Million) Segment Jun-25 Public Sector 61,313 Corporate 48,592 SME & Commercial 8,113 Consumer 5,371 Others 4,376 Advances 127,765
Slide 10: Net Change in NPLs
Net Change in NPLs (Rs. in Million) 13,291 13,301 12,483 11,756 1,535 10 -818 13,291 Gross NPL Dec-22 Dec-23 Dec-24 Jun-25
Slide 11: Deposit Analysis
Deposit Analysis (Rs. in Million) Public Sector Deposits Private Deposits 211,835 170,176 42% 32% 128,681 148,961 Dec 24 Jun 25 Dec 24 Jun 25 Current Deposits CASA 89,788 75% 25% 72,083 208,163 72% 275,151 Dec 24 Jun 25 Dec-24 Jun-25
Slide 12: Deposit Analysis
Deposit Analysis (Rs. in Million) Dec Jun Growth (%) Description 2024 2025 25 vs. 24 Conventional 187,513 199,598 6% Islamic 90,129 182,413 102% Total 277,642 382,010 38% Conventional 68% 52% Islamic 32% 48% Network Distribution Segment Jun-24 Dec-24 Jun-25 Conventional 115 115 79 Islamic 123 131 16
Slide 13: Conversion to Islamic Banking
Conversion to Islamic Banking Total Converted Branches-H1 Total Conversion: 16 36 Branches 8 7 Successfully achieved our 2 1 2 conversion plan for KPK Islamabad Punjab Sindh AJK Balochistan H1 2025
Slide 14: Capital Adequacy & Liquidity
Capital Adequacy & Liquidity Description Dec-24 Jun-25 Required CAR (Capital Adequacy Ratio) 17.81% 21.20% 11.50% LR (Leverage Ratio) 3.59% 3.64% 3.00% LCR (Liquidity Coverage Ratio) 208.88% 235.73% 100.00% NSFR (Net Stable Funding Ratio) 148.23% 196.47% 100.00% -Comfortable Capital and Liquidity Po
Slide 15: Key Performance Indicators
Key Performance Indicators
Slide 16: KPIs
KPIs KPIs 2021 2022 2023 2024 Jun 2025 Return on Average Net Assets 6.4% 2.8% 18.2% 17.1% 30.1% Return on Assets 0.3% 0.1% 0.8% 0.8% 1.3% Gross Infection Ratio (NPL / Gross Advances) 8.0% 8.7% 12.1% 8.3% 9.8% Net Infection Ratio (Net NPL / Net Advances) 3.1% 3.4% 5.1% 0.4% 0.3% Current Account to To
Slide 17: KPIs
KPIs Jun TOTAL BANK 2021 2022 2023 2024 2025 Deposits 221,876 248,906 289,292 277,642 382,010 YoY Growth % 9.3% 12.2% 16.2% -4.0% 20.0% Public Sector Deposits 133,872 141,125 164,351 148,961 211,835 Private Deposits 88,004 107,781 124,940 128,681 170,176 Advances (gross) 131,166 134,913 109,703 159,
Slide 18: BoK Market Price Trend
BoK Market Price Trend BOK MARKET PRICE 17.69 Highest:17.69 14.77 14.34 14.65 14.75 14.00 13.97 13.97 Lowest:11.62 12.20 12.26 12.22 11.62 June 2024: 11.86 Dec 2024: 14.77 June 2025: 17.69 Jul -24 A ug-24 Sep-24 Oct -24 No v-24 D ec-24 Jan-25 Feb-25 M ar-25 A pr-25 M ay -25 Jun-25 Jun-24 Dec-24 Jun-
Slide 19: Management Team
Management Team
Slide 20: Management Team
Management Team CEO/Managing Director Hassan Raza (Joined in 2024) Chief Financial Officer Irfan Saleem Awan (Joined in 2021) Group Head Treasury Salman Ahmad Usmani (Joined in 2024) Group Head Operations & Support Amin Sajid (Joined in 2024) Group Head Retail Banking Abdullah Ghaffar (Joined in 202
Slide 21: Disclaimers
Disclaimers The data is being presented herein is exclusively for information and is not an offer or solicitation or an offer to buy any security or any investment/disinvestment decision. Except the historical information contained herein, certain statements in this presentation may constitute ‘forw
Slide 22: Thank You
Thank You