The Bank of Khyber (PSX:BOK)

The Bank of Khyber Balance Sheet

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
Cash & Equivalents	14,462	11,703	13,630	8,398	18,092	13,883
Investment Securities	280,763	281,810	223,448	177,610	184,163	119,859
Trading Asset Securities	1,352	1,063	31.45	59.03	2,743	1,602
Total Investments	282,114	282,873	223,480	177,669	186,906	121,461
Gross Loans	157,220	159,863	111,942	138,952	134,405	135,146
Allowance for Loan Losses	-11,901	-12,847	-8,354	-7,636	-6,856	-6,083
Net Loans	145,319	147,016	103,588	131,315	127,549	129,063
Property, Plant & Equipment	5,804	6,353	6,949	5,613	5,137	3,472
Other Intangible Assets	381.62	361.36	428.61	473.72	450.24	532.17
Accrued Interest Receivable	12,367	9,079	13,228	6,923	6,649	6,884
Other Receivables	398.16	343.09	5,228	48.15	-	-
Restricted Cash	16,862	15,542	14,226	11,433	11,398	11,050
Other Current Assets	592.16	346.66	204.9	1,059	671.41	104.91
Long-Term Deferred Tax Assets	947.86	1,194	1,347	1,368	992.41	459.9
Other Real Estate Owned & Foreclosed	281.8	315.34	379.14	357.6	390.87	385.31
Other Long-Term Assets	153.37	369.79	499.05	327.33	369.94	1,005
Total Assets	481,810	477,564	383,186	344,984	358,606	288,300
Accrued Expenses	1,416	1,373	961.65	497.89	484.29	469.13
Interest Bearing Deposits	308,121	222,742	240,654	206,486	186,310	169,137
Non-Interest Bearing Deposits	66,219	54,900	48,638	42,420	35,566	33,935
Total Deposits	374,340	277,642	289,292	248,906	221,876	203,072
Short-Term Borrowings	58,327	128,811	45,571	61,129	106,451	54,800
Current Portion of Long-Term Debt	-	1,119	700.33	992.47	101	-
Current Portion of Leases	740.02	666.44	656.71	-	-	-
Current Income Taxes Payable	1,339	1,451	945.27	-	-	1,186
Accrued Interest Payable	14,215	16,026	13,831	7,579	5,595	3,899
Other Current Liabilities	1,834	22,061	3,885	2,914	1,089	1,619
Long-Term Debt	3,587	3,611	4,208	4,175	3,994	2,699
Long-Term Leases	1,060	1,481	1,750	1,369	1,447	957
Long-Term Unearned Revenue	621.86	395.28	345.44	308.13	385.56	1,160
Other Long-Term Liabilities	1,483	1,028	739.02	686.53	612.84	667.82
Total Liabilities	458,962	455,665	362,885	328,557	342,036	270,528
Common Stock	11,579	11,579	11,028	11,028	10,503	10,003
Retained Earnings	9,918	8,643	9,149	5,629	5,717	6,602
Comprehensive Income & Other	1,351	1,677	124.62	-229.86	350.62	1,167
Shareholders' Equity	22,848	21,899	20,301	16,427	16,570	17,772
Total Liabilities & Equity	481,810	477,564	383,186	344,984	358,606	288,300
Total Debt	63,713	135,689	52,886	67,665	111,994	58,456
Net Cash (Debt)	-47,899	-122,923	-39,225	-55,367	-89,108	-35,673
Net Cash Per Share	-41.37	-106.16	-33.87	-47.82	-76.95	-30.81
Filing Date Shares Outstanding	1,158	1,158	1,158	1,158	1,158	1,158
Total Common Shares Outstanding	1,158	1,158	1,158	1,158	1,158	1,158
Book Value Per Share	19.73	18.91	17.53	14.19	14.31	15.35
Tangible Book Value	22,467	21,538	19,873	15,954	16,120	17,239
Tangible Book Value Per Share	19.40	18.60	17.16	13.78	13.92	14.89

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