Bank of Khyber marked 2025 as a defining year—one that quietly reshaped its foundation while visibly
strengthening its position in the financial landscape. It was not just a year of improved numbers, but a
year of clarity, discipline, and forward direction.
The bank delivered strong financial performance, reflecting the impact of focused execution. Profit after
tax reached PKR 5.8 billion, registering a 61% increase year-on-year. Earnings per share followed the
same upward trajectory, while return on equity rose to 25.5%, signaling improved capital efficiency and
profitability. At the same time, the cost-to-income ratio declined significantly, highlighting tighter cost
control and operational discipline.
Beyond profitability, the bank strengthened its balance sheet. Deposits grew meaningfully, and total
assets reached approximately PKR 452 billion. This growth was not incidental—it reflected a conscious
move toward a more stable and sustainable funding structure.
A key milestone during the year was the launch of card services in partnership with Mastercard. This
step marked the bank’s deeper entry into the evolving payments ecosystem, enabling customers to
access more seamless and globally accepted financial solutions. Complementing this, the bank
introduced customer-focused discount campaigns, aimed at enhancing everyday value and
strengthening customer engagement.
The bank’s progress was also acknowledged externally. Its credit rating was upgraded to AA- with a
stable outlook, reinforcing confidence in its financial strength. Additionally, Bank of Khyber gained
recognition at the Asia-Pacific level for its shareholder returns, reflecting its growing visibility beyond
domestic markets. The bank’s share price also demonstrated resilience, trading at approximately PKR
38, reflecting improving investor confidence and market sentiment.
However, the real story of 2025 lies beneath the surface. The bank undertook a fundamental internal
reset—simplifying structures, improving execution, and aligning the organization toward a unified
direction. Decision-making became more disciplined, processes more streamlined, and the overall
operating model more cohesive.
In essence, 2025 was a year of recalibration. A year where the bank chose to pause, reflect, and
rebuild—laying down the foundations for sustainable growth rather than chasing short-term gains.
Today, Bank of Khyber stands at a different starting point. Stronger, clearer, and better aligned for the
future. Not louder—but sharper.
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