BOK The Bank of Khyber
Latest results: FY2025 · Dec 2025 Q1 FY2026 · Jan – Mar 2026
Last close · 16 Oct 2026
Rs 27.29 -1.09%
Financials
The Bank of Khyber (BOK) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
The Bank of Khyber (BOK) reported total income of Rs 22.7 bn for FY2025 (Jan – Dec 2025), up 26.7% from FY2024.
Profit attributable to shareholders was Rs 5.8 bn (EPS Rs 5.02), up 60.9%.
It declared a dividend of Rs 3.20 per share for FY2025 and has paid a dividend in each of the last 3 years.
Deposits stood at Rs 378.1 bn and net advances at Rs 126.7 bn, an advances-to-deposits ratio of 33.5%.
Return on equity was 25.5%.
Over the last five years total income grew at a compound 19.4% a year.
At Rs 27.29 (close on 16 Oct 2026) the shares trade at 6.1× earnings (TTM to Mar 2026) and 1.47× book value, with a dividend yield of 11.7%.
Fundamentals
BOK at a glance
Total income · FY2025
Rs 22.7 bn
▲ 26.7% year on year
Profit attributable to shareholders · FY2025
Rs 5.8 bn
▲ 60.9% year on year
EPS – basic (Rs) · FY2025
Rs 5.02
▲ 60.9% year on year
Dividend per share (Rs) · FY2025
Rs 3.20
▲ 88.2% year on year
Deposits · FY2025
Rs 378.1 bn
▲ 36.2% year on year
Return on equity (ROE) · FY2025
25.5%
+8.4 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 22.7 bn
- Profit attributable · FY2025
- Rs 5.8 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 453.3 bn
- Equity · FY2025
- Rs 23.7 bn
Financial highlights
BOK financial results
| Rs bn | 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 19.0 | 16.5 | 13.9 | 7.2 | 6.8 | 6.8 | 4.8 | 5.2 | 4.9 | 4.5 |
| Total non-interest income | 3.7 | 1.4 | 1.8 | 1.1 | 0.7 | 2.6 | 1.0 | (0.7) | 1.5 | 2.5 |
| Total income | 22.7 | 17.9 | 15.7 | 8.2 | 7.5 | 9.4 | 5.8 | 4.5 | 6.3 | 7.0 |
| Operating expenses | (10.5) | (9.8) | (9.1) | (7.2) | (5.8) | (5.5) | (3.6) | (3.8) | (3.6) | (3.8) |
| Provisions & impairment (loans) | (0.9) | (0.4) | 0.8 | 0.8 | 0.8 | 1.6 | 0.1 | (0.1) | (0.1) | 0.7 |
| Profit before tax | 12.3 | 8.1 | 6.7 | 0.9 | 1.7 | 3.8 | 2.3 | 0.7 | 2.8 | 3.2 |
| Profit attributable to shareholders | 5.8 | 3.6 | 3.5 | 0.5 | 1.1 | 2.2 | 1.3 | 0.5 | 1.8 | 2.0 |
| EPS – basic (Rs) Rs | 5.02 | 3.12 | 3.01 | 0.39 | 0.95 | 1.86 | 1.13 | 0.40 | 1.55 | 1.74 |
| Dividend per share (Rs) Rs | 3.20 | 1.70 | 1.43 | 0.00 | 0.00 | 1.30 | 0.43 | 0.00 | 1.30 | 1.30 |
| Advances (net) | 126.7 | 146.9 | 100.0 | 125.8 | 122.5 | 127.3 | 109.3 | 94.7 | 82.9 | 31.3 |
| Deposits | 378.1 | 277.6 | 289.3 | 248.9 | 221.9 | 203.1 | 182.5 | 171.5 | 159.2 | 157.2 |
| Total assets | 453.3 | 477.6 | 383.2 | 345.0 | 358.6 | 288.3 | 306.3 | 223.1 | 245.1 | 206.4 |
| Equity attributable to shareholders | 23.7 | 21.9 | 20.3 | 16.4 | 16.6 | 17.8 | 14.2 | 11.7 | 15.4 | 16.1 |
| Rs bn | TTM to Mar 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 18.1 | 4.2 | 4.5 | 4.7 | 4.7 | 5.1 | 4.5 | 4.4 | 4.1 |
| Total non-interest income | 3.3 | 0.4 | 0.4 | 1.1 | 1.4 | 0.8 | 0.4 | 0.3 | 0.3 |
| Total income | 21.4 | 4.6 | 4.8 | 5.8 | 6.1 | 5.9 | 4.9 | 4.8 | 4.3 |
| Operating expenses | (10.5) | (2.5) | (3.2) | (2.4) | (2.4) | (2.5) | (2.7) | (2.2) | (2.4) |
| Provisions & impairment (loans) | (1.1) | (0.3) | 0.1 | (0.3) | (0.5) | (0.1) | (0.3) | (0.2) | (0.1) |
| Profit before tax | 11.0 | 2.1 | 1.7 | 3.4 | 3.8 | 3.4 | 2.1 | 2.6 | 1.9 |
| Profit attributable to shareholders | 5.2 | 1.0 | 0.8 | 1.6 | 1.8 | 1.6 | 1.0 | 1.1 | 0.8 |
| EPS – basic (Rs) Rs | 4.51 | 0.87 | 0.73 | 1.39 | 1.52 | 1.38 | 0.88 | 0.92 | 0.66 |
| Dividend per share (Rs) Rs | 3.20 | 0.00 | 1.70 | 0.00 | 1.50 | 0.00 | 1.70 | 0.00 | 0.00 |
| Advances (net) | 129.4 | 129.4 | 126.7 | 122.3 | 115.6 | 68.5 | 146.9 | 67.8 | 86.5 |
| Deposits | 363.5 | 363.5 | 378.1 | 374.3 | 382.0 | 338.6 | 277.6 | 319.9 | 318.4 |
| Total assets | 489.2 | 489.2 | 453.3 | 481.8 | 537.2 | 457.8 | 477.6 | 386.0 | 391.4 |
| Equity attributable to shareholders | 21.4 | 21.4 | 23.7 | 22.8 | 23.3 | 20.5 | 21.9 | 20.6 | 18.6 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 16 Oct 2026.