Bank of Khyber has announced a record-breaking financial performance for the year ended December 31, 2025. The bank posted a profit after tax of Rs. 5.82 billion, representing a significant increase of 61 percent compared to Rs. 3.62 billion recorded in the previous year. This marks the highest annual profit in the institution’s history.
The strong performance reflects consistent growth across key financial indicators, improved operational efficiency, and the continued implementation of a long-term transformation strategy. Earnings per share also saw a notable rise, increasing from Rs. 3.12 in the previous year to Rs. 5.02, further demonstrating the bank’s strengthened profitability.
Strong Growth in Total Income
During FY2025, the bank achieved total income of Rs. 23.1 billion, which represents a 26.6 percent increase compared to Rs. 18.3 billion recorded in the previous year. This growth was driven by higher income from core banking activities as well as significant gains from other revenue streams.
Net markup income, which represents earnings generated from financing activities and investments, increased by 15.2 percent to reach Rs. 19.0 billion. The growth was largely supported by improved asset-liability management and a stronger mix of income-generating assets.
Non-markup income also witnessed remarkable growth during the year. It more than doubled to Rs. 4.1 billion compared to Rs. 1.8 billion in the previous year. This increase was supported by higher fee and commission income along with gains generated through the bank’s treasury operations.
Profit Before Tax Shows Significant Improvement
Profit before taxation recorded strong growth, rising by 51 percent to reach Rs. 12.3 billion compared to Rs. 8.1 billion in the previous year. This increase highlights the bank’s ability to expand revenue while maintaining careful control over its operating expenses.
Operating expenses during the year stood at Rs. 11.7 billion, reflecting an increase of 11.3 percent. However, this growth remained well below the overall increase in income, resulting in improved operating efficiency and a stronger cost-to-income ratio.
The positive operating leverage achieved during the year played a key role in strengthening overall profitability.
Solid Balance Sheet and Asset Growth
The bank’s financial position remained strong throughout the year, supported by steady growth in assets and investments. As of December 31, 2025, total assets stood at Rs. 453.3 billion, reflecting the bank’s expanding operations and stronger financial base.
Advances reached Rs. 126.7 billion during the year, indicating continued lending activity and support for various sectors of the economy. Meanwhile, the investment portfolio grew to Rs. 275.0 billion, demonstrating a balanced approach between financing and investment strategies.
Net assets also increased to Rs. 23.7 billion compared to Rs. 21.9 billion recorded in the previous year. This growth further strengthened the bank’s capital position and reinforced its financial stability.
Leadership and Strategic Direction
The bank’s record performance has been attributed to consistent leadership, strategic planning, and a strong commitment to institutional development. Over the years, the organization has focused on strengthening governance, improving operational processes, and modernizing its banking services.
As the institution enters a new phase of growth, leadership is focused on continuing the transformation strategy aimed at improving efficiency, expanding services, and strengthening the bank’s role in the financial sector.
Management has emphasized that the strong results achieved during FY2025 reflect the collective efforts of the board, leadership team, and employees who have worked to enhance the bank’s performance and competitiveness.
Focus on Shareholder Value
The bank has also highlighted its commitment to delivering value to shareholders. With strong earnings growth and improved financial stability, the institution remains focused on maintaining sustainable profitability and consistent returns.
A dividend payout of Rs. 3.20 per share has been announced for FY2025, reflecting confidence in the bank’s financial strength and its ability to maintain stable earnings in the coming years.
Outlook for the Future
Looking ahead, the bank plans to build on the momentum created during FY2025. With stronger financial fundamentals, improved operational efficiency, and a clear strategic direction, the institution aims to continue expanding its services while maintaining prudent financial management.
The focus will remain on strengthening core banking operations, enhancing digital services, and supporting economic development through responsible financing.
As the bank moves into the next financial year, its leadership remains optimistic about future growth opportunities and the continued progress of its transformation strategy.
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