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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	56,359	65,221	59,070	40,242	21,939	25,673
Interest Income on Investments	1.66	2.05	11.1	13.43	37.86	16.66
Total Interest Income	56,361	65,223	59,081	40,255	21,977	25,690
Interest Paid on Deposits	37,572	48,729	45,178	33,093	15,150	18,911
Net Interest Income	18,789	16,494	13,904	7,162	6,827	6,779
Net Interest Income Growth (YoY)	12.58%	18.63%	94.13%	4.91%	0.72%	41.83%
Gain (Loss) on Sale of Assets	13.43	10.28	0.95	4.37	38.87	-
Gain (Loss) on Sale of Investments	2,368	153.2	-70.59	7.53	-114.24	1,735
Gain (Loss) on Sale of Equity Investments	15.39	11.18	0.01	0.92	46.36	-
Other Non-Interest Income	1,712	1,605	2,162	1,370	1,012	1,122
Total Non-Interest Income	4,109	1,779	2,093	1,383	983.16	2,857
Non-Interest Income Growth (YoY)	140.94%	-14.97%	51.31%	40.68%	-65.59%	159.93%
Revenues Before Loan Losses	22,898	18,273	15,996	8,545	7,810	9,635
Provision for Loan Losses	-1,242	-425.75	705.09	902.14	831.88	1,610
Revenue	24,140	18,699	15,291	7,643	6,978	8,025
Revenue Growth (YoY)	31.36%	22.29%	100.07%	9.53%	-13.05%	36.04%
Selling, General & Administrative	518.28	440.24	236.83	163.48	158.24	84.89
Other Non-Interest Expense	10,968	10,120	8,358	6,548	5,073	4,056
Total Non-Interest Expense	11,486	10,561	8,595	6,711	5,231	4,141
EBT Excluding Unusual Items	12,655	8,139	6,696	931.86	1,747	3,884
Asset Writedown	-	-	-	-15.95	-3.4	-12.55
Other Unusual Items	3.9	-3.49	5.11	3.97	-63.55	-65.36
Pretax Income	12,659	8,135	6,702	919.89	1,680	3,806
Income Tax Expense	6,703	4,520	3,220	465.02	576.56	1,655
Net Income	5,955	3,615	3,481	454.86	1,104	2,152
Net Income to Common	5,955	3,615	3,481	454.86	1,104	2,152
Net Income Growth	63.59%	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%
EPS (Basic)	5.14	3.12	3.01	0.39	0.95	1.86
EPS (Diluted)	5.14	3.12	3.01	0.39	0.95	1.86
EPS Growth	63.59%	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	52.95%	55.56%	48.05%	50.55%	34.31%	43.47%

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