The Bank of Khyber's 9MCY25 profit nears 90%

October 29, 2025 (MLN): The Bank of Khyber (PSX: BOK) reported a profit after taxation of Rs4.97bn for the nine months ended September 30, 2025, up 89% from Rs2.63bn in the corresponding period last year.

Earning per share increased 89% to Rs4.29 compared to Rs2.27 in 9MCY24.

Mark-up/return/interest earned decreased 18% year-on-year to Rs41.19bn from Rs50.05bn, reflecting lower yields during the period.

Mark-up/return/interest expensed fell 30% to Rs26.66bn from Rs37.82bn.

Net mark-up/interest income increased 19% to Rs14.52bn against Rs12.23bn in 9MCY24.

Fee and commission income rose 14% to Rs800.6m. Dividend income stood at Rs391 thousand in 9MCY24, which was absent in the current period.

 Foreign exchange income increased marginally by 1% to Rs486.6m from Rs481.1m last year. The bank reported no income from derivatives in either period.

Gain on securities surged 52times to Rs2.22bn from Rs41.8m in 9MCY24. Other income rose 12% to Rs113m from Rs100.7m.

Total non-mark-up/interest income increased 2.8 times to Rs3.65bn from Rs1.31bn last year.

Total income increased 34% to Rs18.17bn from Rs13.54bn in 9MCY24.

Operating expenses increased 12% to Rs8.53bn from Rs7.60bn. Total non-mark-up/interest expenses climbed 12% to Rs8.53bn from Rs7.60bn last year.

Profit before credit loss allowance stood at Rs9.65bn, up 62% from Rs5.94bn in 9MCY24.

Profit before taxation increased 74% to Rs10.6bn from Rs6.08bn in 9MCY24.

Taxation increased 63% to Rs5.63bn from Rs3.45bn in the prior period.

The bank concluded 9MCY25 with a net profit of Rs4.97bn.

The exceptional profit growth was driven by a 19% expansion in net mark-up income, a dramatic surge in gains on securities, and substantial credit loss allowance reversals, demonstrating strong balance sheet management and effective treasury operations during a period of declining interest rates.

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