BoK posts record profit in FY2025
Staff Reporter
PESHAWAR: The Bank of Khyber (BoK), in its 203rd Board of Directors meeting held here the other day announced its audited financial results for the year ended December 31, 2025. The Bank delivered an outstanding performance, posting a Profit After Tax (PAT) of PKR 5.82 billion, a robust 61% increase over PKR 3.62 billion in FY2024, the highest profit in the Bank's history.
A press release states that earnings per share grew from Rs. 3.12 to Rs. 5.02, reflecting strong earnings momentum, disciplined cost management, and continued execution of the Bank’s transformation strategy.
It adds, total income for the year reached PKR 23.1 billion, a 26.6% increase from PKR 18.3 billion in FY2024. Net mark-up income grew by 15.2% to PKR 19.0 billion, underpinned by prudent asset-liability management and an improved earning asset mix. Non-markup income more than doubled to PKR 4.1 billion (FY2024: PKR 1.8 billion), driven by strong fee and commission income of PKR 1.07 billion and significant gain on securities of PKR 2.3 billion, reflecting active treasury management.
Operating expenses were contained at PKR 11.7 billion, growing at only 11.3% - materially below the income growth rate of 26.6% - resulting in significant positive operating leverage and a markedly improved cost-to-income ratio. Profit Before Taxation surged 51% to PKR 12.3 billion (FY2024: PKR 8.1 billion).
The Bank’s balance sheet remained sound with total assets of PKR 453.3 billion as at December 31, 2025. Advances stood at PKR 126.7 billion while the investment portfolio reached PKR 275.0 billion. Net assets (equity) grew to PKR 23.7 billion from PKR 21.9 billion in FY2024, reinforcing the Bank’s capital adequacy position.
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