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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	58,931	65,221	59,070	40,242	21,939	25,673
Interest Income on Investments	1.83	2.05	11.1	13.43	37.86	16.66
Total Interest Income	58,933	65,223	59,081	40,255	21,977	25,690
Interest Paid on Deposits	40,277	48,729	45,178	33,093	15,150	18,911
Net Interest Income	18,656	16,494	13,904	7,162	6,827	6,779
Net Interest Income Growth (YoY)	19.55%	18.63%	94.13%	4.91%	0.72%	41.83%
Gain (Loss) on Sale of Assets	10.28	10.28	0.95	4.37	38.87	-
Gain (Loss) on Sale of Investments	1,662	153.2	-70.59	7.53	-114.24	1,735
Gain (Loss) on Sale of Equity Investments	10.51	11.18	0.01	0.92	46.36	-
Other Non-Interest Income	1,624	1,605	2,162	1,370	1,012	1,122
Total Non-Interest Income	3,307	1,779	2,093	1,383	983.16	2,857
Non-Interest Income Growth (YoY)	91.75%	-14.97%	51.31%	40.68%	-65.59%	159.93%
Revenues Before Loan Losses	21,963	18,273	15,996	8,545	7,810	9,635
Provision for Loan Losses	-1,152	-425.75	705.09	902.14	831.88	1,610
Revenue	23,115	18,699	15,291	7,643	6,978	8,025
Revenue Growth (YoY)	36.32%	22.29%	100.07%	9.53%	-13.05%	36.04%
Selling, General & Administrative	440.24	440.24	236.83	163.48	158.24	84.89
Other Non-Interest Expense	10,823	10,120	8,358	6,548	5,073	4,056
Total Non-Interest Expense	11,264	10,561	8,595	6,711	5,231	4,141
EBT Excluding Unusual Items	11,852	8,139	6,696	931.86	1,747	3,884
Asset Writedown	-	-	-	-15.95	-3.4	-12.55
Other Unusual Items	-3.49	-3.49	5.11	3.97	-63.55	-65.36
Pretax Income	11,848	8,135	6,702	919.89	1,680	3,806
Income Tax Expense	6,419	4,520	3,220	465.02	576.56	1,655
Net Income	5,430	3,615	3,481	454.86	1,104	2,152
Net Income to Common	5,430	3,615	3,481	454.86	1,104	2,152
Net Income Growth	62.41%	3.84%	665.35%	-58.78%	-48.71%	64.76%
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%	0.00%
EPS (Basic)	4.69	3.12	3.01	0.39	0.95	1.86
EPS (Diluted)	4.69	3.12	3.01	0.39	0.95	1.86
EPS Growth	62.42%	3.84%	665.34%	-58.78%	-48.71%	64.76%
Dividend Per Share	3.200	1.700	1.429	-	-	1.296
Dividend Growth	124.00%	19.00%	-	-	-	200.00%
Effective Tax Rate	54.17%	55.56%	48.05%	50.55%	34.31%	43.47%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.