The Bank of Khyber (PSX: BOK)

The Bank of Khyber Income Statement

Financials in millions PKR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	68,061	59,070	40,242	21,939	25,673	24,657
Interest Income on Investments	6.41	11.1	13.43	37.86	16.66	13.39
Total Interest Income	68,067	59,081	40,255	21,977	25,690	24,670
Interest Paid on Deposits	52,572	45,178	33,093	15,150	18,911	19,891
Net Interest Income	15,495	13,904	7,162	6,827	6,779	4,779
Net Interest Income Growth (YoY)	61.16%	94.13%	4.91%	0.72%	41.83%	-7.89%
Gain (Loss) on Sale of Assets	9.05	0.95	4.37	38.87	-	0.51
Gain (Loss) on Sale of Investments	-69.67	-70.59	7.53	-114.24	1,735	289.76
Gain (Loss) on Sale of Equity Investments	10.02	0.01	0.92	46.36	-	-
Other Non-Interest Income	1,781	2,162	1,370	1,012	1,122	808.82
Total Non-Interest Income	1,730	2,093	1,383	983.16	2,857	1,099
Non-Interest Income Growth (YoY)	-13.24%	51.31%	40.68%	-65.59%	159.93%	-
Revenues Before Loan Losses	17,225	15,996	8,545	7,810	9,635	5,878
Provision for Loan Losses	374.29	705.09	902.14	831.88	1,610	-21.09
Revenue	16,851	15,291	7,643	6,978	8,025	5,899
Revenue Growth (YoY)	56.28%	100.07%	9.53%	-13.05%	36.03%	23.32%
Selling, General & Administrative	319.75	236.83	163.48	158.24	84.89	80.24
Other Non-Interest Expense	9,451	8,358	6,548	5,073	4,056	3,362
Total Non-Interest Expense	9,771	8,595	6,711	5,231	4,141	3,443
EBT Excluding Unusual Items	7,081	6,696	931.86	1,747	3,884	2,457
Asset Writedown	-	-	-15.95	-3.4	-12.55	-
Other Unusual Items	0.19	5.11	3.97	-63.55	-65.36	-
Pretax Income	7,081	6,702	919.89	1,680	3,806	2,261
Income Tax Expense	3,756	3,220	465.02	576.56	1,655	955.27
Net Income	3,325	3,481	454.86	1,104	2,152	1,306
Net Income to Common	3,325	3,481	454.86	1,104	2,152	1,306
Net Income Growth	89.73%	665.34%	-58.78%	-48.71%	64.76%	180.21%
Basic Shares Outstanding	1,158	1,158	1,158	1,158	1,158	1,158
Diluted Shares Outstanding	1,158	1,158	1,158	1,158	1,158	1,158
Shares Change (YoY)	-0.00%	-	-	0.00%	0.00%	-
EPS (Basic)	2.87	3.01	0.39	0.95	1.86	1.13
EPS (Diluted)	2.87	3.01	0.39	0.95	1.86	1.13
EPS Growth	89.73%	665.34%	-58.78%	-48.71%	64.76%	180.21%
Dividend Per Share	1.429	1.429	-	-	1.296	0.432
Dividend Growth	-	-	-	-	200.00%	-
Effective Tax Rate	53.04%	48.05%	50.55%	34.32%	43.47%	42.24%

Source: S&P Capital IQ. Banks template. Financial Sources.