The Bank of Khyber (BOK) has delivered its strongest financial performance in history, posting a Profit After Tax (PAT) of PKR 5.82 billion for FY2025, representing a remarkable 61 percent increase compared with PKR 3.62 billion in FY2024. The growth was accompanied by earnings per share (EPS) rising to Rs. 5.02 from Rs. 3.12, reflecting the bank’s effective cost management, strong revenue generation, and continued execution of its transformation strategy.
Total income for the year reached PKR 23.13 billion, a 26.6 percent increase from PKR 18.27 billion in FY2024. Net mark-up or interest income grew by 15.2 percent to PKR 19.0 billion, supported by prudent asset-liability management and an optimized earning asset mix. Non-markup income more than doubled to PKR 4.13 billion, driven by strong fee and commission income of PKR 1.07 billion and gains on securities of PKR 2.3 billion, reflecting active treasury management.
Operating expenses were contained at PKR 11.7 billion, rising only 11.3 percent year-on-year, well below the income growth, contributing to improved operating leverage and a lower cost-to-income ratio. Profit before taxation surged by 51 percent to PKR 12.28 billion, underlining the bank’s operational efficiency.
The Bank’s balance sheet remained solid, with total assets standing at PKR 453.3 billion as of December 31, 2025. Advances grew to PKR 126.7 billion while the investment portfolio expanded to PKR 275 billion. Net assets increased to PKR 23.7 billion from PKR 21.9 billion in FY2024, reinforcing capital adequacy and stability.
The leadership transition at BOK also signals a renewed strategic direction. The bank expressed gratitude to former Chairman Mr. Ikramullah Khan for establishing strong governance and strategic foundations. Incoming Chairman Mr. Islam Zeb brings a fresh vision aimed at furthering the bank’s growth, while Managing Director Mr. Hassan Raza continues to spearhead the transformation agenda. The bank also acknowledged support from Chief Secretary KP Mr. Shahab Ali Shah and Finance Advisor Mr. Muzzammil Aslam for their role in strengthening Khyber Pakhtunkhwa’s financial ecosystem.
In a statement, Managing Director Mr. Hassan Raza said, “These results represent a watershed moment for Bank of Khyber. A 61 percent growth in PAT reflects not only strengthened core banking but also the accelerating returns from our transformation strategy. Our total dividend payout of Rs. 3.20 per share for FY2025 demonstrates confidence in sustainable earnings and commitment to shareholder value. We enter 2026 with strong fundamentals and clear strategic direction.”
The Bank of Khyber’s FY2025 performance underscores the resilience and growth potential of regional development-oriented commercial banks in Pakistan. With record profitability, rising earnings per share, disciplined cost control, and a robust balance sheet, BOK is poised to further consolidate its position as a premier financial partner in Khyber Pakhtunkhwa, supporting both public and private sector initiatives while delivering value to shareholders.
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