Bank of Khyber reported a strong financial performance for 2025, posting a 61% year-on-year increase in profit after tax to PKR 5.8 billion, alongside improvements in efficiency and capital returns. The results reflect a broader internal restructuring effort aimed at strengthening operations and positioning the bank for sustainable growth.
The bank’s earnings per share rose in line with profitability, while return on equity reached 25.5%, indicating improved capital utilization. A decline in the cost-to-income ratio highlighted tighter cost management and more disciplined operations during the year.
Balance sheet growth and funding stability
The bank also reported growth in deposits and total assets, which reached approximately PKR 452 billion. According to official disclosures, this expansion was driven by a shift toward a more stable funding base, supporting long-term financial resilience.
Expansion into digital payments
During the year, Bank of Khyber launched card services in partnership with Mastercard, marking its entry into the global payments network. The initiative aims to enhance customer access to digital and internationally accepted payment solutions. The bank also introduced discount campaigns to increase customer engagement and usage.
Ratings upgrade and market response
The bank’s credit rating was upgraded to AA- with a stable outlook, reflecting improved financial strength and risk management. It also received regional recognition in the Asia-Pacific for shareholder returns, signaling increased visibility beyond domestic markets.
Shares of the bank traded at around PKR 38, indicating steady investor sentiment during the period.
Internal restructuring and operational changes
Beyond financial indicators, the bank undertook internal reforms focused on simplifying organizational structures, improving decision-making processes, and aligning operational priorities. These changes were aimed at creating a more cohesive and efficient operating model.
Officials described 2025 as a year of recalibration, with an emphasis on strengthening institutional foundations rather than pursuing short-term gains. The bank now enters the next phase with a more streamlined structure and improved financial footing.
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