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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	13,508	13,630	8,398	18,092	13,883	14,340
Investment Securities	250,786	223,448	177,610	184,163	119,859	73,027
Trading Asset Securities	2,866	31.45	59.03	2,743	1,602	104.11
Total Investments	253,652	223,480	177,669	186,906	121,461	73,131
Gross Loans	91,148	111,942	138,952	134,405	135,146	119,046
Allowance for Loan Losses	-13,333	-8,354	-7,636	-6,856	-6,083	-4,473
Net Loans	77,815	103,588	131,315	127,549	129,063	114,574
Property, Plant & Equipment	6,474	6,949	5,613	5,137	3,472	3,335
Other Intangible Assets	401.42	428.61	473.72	450.24	532.17	286.26
Accrued Interest Receivable	16,025	13,228	6,923	6,649	6,884	8,709
Other Receivables	365.19	5,228	48.15	-	-	25.9
Restricted Cash	14,657	14,226	11,433	11,398	11,050	6,028
Other Current Assets	395.36	204.9	1,059	671.41	104.91	187.2
Long-Term Deferred Tax Assets	1,968	1,347	1,368	992.41	459.9	1,031
Other Real Estate Owned & Foreclosed	348.56	379.14	357.6	390.87	385.31	369.34
Other Long-Term Assets	361.16	499.05	327.33	369.94	1,005	84,289
Total Assets	385,972	383,186	344,984	358,606	288,300	306,305
Accrued Expenses	1,126	961.65	497.89	484.29	469.13	210.36
Interest Bearing Deposits	263,410	240,654	206,486	186,310	169,137	147,165
Non-Interest Bearing Deposits	56,529	48,638	42,420	35,566	33,935	35,002
Total Deposits	319,938	289,292	248,906	221,876	203,072	182,168
Short-Term Borrowings	16,092	45,571	61,129	106,451	54,800	93,287
Current Portion of Long-Term Debt	-	700.33	992.47	101	-	-
Current Income Taxes Payable	2,693	945.27	-	-	1,186	-
Accrued Interest Payable	14,902	13,831	7,579	5,595	3,899	9,375
Other Current Liabilities	2,319	3,885	2,914	1,089	1,619	1,644
Long-Term Debt	5,065	4,208	4,175	3,994	2,699	1,532
Long-Term Leases	1,503	2,407	1,369	1,447	957	1,091
Long-Term Unearned Revenue	283.19	345.44	308.13	385.56	1,160	2,127
Other Long-Term Liabilities	837.37	739.02	686.53	612.84	667.82	670.33
Total Liabilities	365,377	362,885	328,557	342,036	270,528	292,104
Common Stock	11,579	11,028	11,028	10,503	10,003	10,003
Retained Earnings	7,483	9,149	5,629	5,717	6,602	4,979
Comprehensive Income & Other	1,533	124.62	-229.86	350.62	1,167	-780.67
Shareholders' Equity	20,595	20,301	16,427	16,570	17,772	14,201
Total Liabilities & Equity	385,972	383,186	344,984	358,606	288,300	306,305
Total Debt	23,278	52,886	67,665	111,994	58,456	95,910
Net Cash (Debt)	-6,905	-39,225	-55,367	-89,108	-35,673	-72,433
Net Cash Per Share	-5.96	-33.88	-47.82	-76.95	-30.81	-62.55
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	17.79	17.53	14.19	14.31	15.35	12.26
Tangible Book Value	20,194	19,873	15,954	16,120	17,239	13,915
Tangible Book Value Per Share	17.44	17.16	13.78	13.92	14.89	12.02

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