The Bank of Khyber Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	52,234	65,221	59,070	40,242	21,939
Interest Income on Investments	0.01	2.05	11.1	13.43	37.86
Total Interest Income	52,234	65,223	59,081	40,255	21,977
Interest Paid on Deposits	33,233	48,729	45,178	33,093	15,150
Net Interest Income	19,001	16,494	13,904	7,162	6,827
Net Interest Income Growth (YoY)	15.20%	18.63%	94.13%	4.91%	0.72%
Gain (Loss) on Sale of Assets	15.57	10.28	0.95	4.37	38.87
Gain (Loss) on Sale of Investments	2,286	153.2	-70.59	7.53	-114.24
Gain (Loss) on Sale of Equity Investments	15.39	11.18	0.01	0.92	46.36
Other Non-Interest Income	1,791	1,605	2,162	1,370	1,012
Total Non-Interest Income	4,108	1,779	2,093	1,383	983.16
Non-Interest Income Growth (YoY)	130.86%	-14.97%	51.31%	40.68%	-65.59%
Revenues Before Loan Losses	23,109	18,273	15,996	8,545	7,810
Provision for Loan Losses	-881.19	-425.75	705.09	902.14	831.88
Revenue	23,990	18,699	15,291	7,643	6,978
Revenue Growth (YoY)	28.30%	22.29%	100.07%	9.53%	-13.05%
Selling, General & Administrative	516.27	440.24	236.83	163.48	158.24
Other Non-Interest Expense	11,198	10,120	8,358	6,548	5,073
Total Non-Interest Expense	11,714	10,561	8,595	6,711	5,231
EBT Excluding Unusual Items	12,276	8,139	6,696	931.86	1,747
Asset Writedown	-10.94	-	-	-15.95	-3.4
Other Unusual Items	17.01	-3.49	5.11	3.97	-63.55
Pretax Income	12,282	8,135	6,702	919.89	1,680
Income Tax Expense	6,466	4,520	3,220	465.02	576.56
Net Income	5,816	3,615	3,481	454.86	1,104
Net Income to Common	5,816	3,615	3,481	454.86	1,104
Net Income Growth	60.87%	3.84%	665.35%	-58.78%	-48.71%
Basic Shares Outstanding	1,158	1,158	1,158	1,158	1,158
Diluted Shares Outstanding	1,158	1,158	1,158	1,158	1,158
Shares Change (YoY)	-	-	0.00%	-	0.00%
EPS (Basic)	5.02	3.12	3.01	0.39	0.95
EPS (Diluted)	5.02	3.12	3.01	0.39	0.95
EPS Growth	60.87%	3.84%	665.34%	-58.78%	-48.71%
Dividend Per Share	3.200	1.700	1.429	-	-
Dividend Growth	88.23%	19.00%	-	-	-
Effective Tax Rate	52.65%	55.56%	48.05%	50.55%	34.31%

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