Why is the Bank of Khyber faltering?

Profitability takes a hit due to increase in policy rate, branch network expansion and power struggle within the management

A power struggle between the board of directors and the managing director of Bank of Khyber (BoK) has allegedly impacting the bank’s performance over the past two years.

According to sources, the board meeting held on August 25 reviewed the performance of the MD, digital banking policy, HR issues, board minutes, committee minutes, and six-month performance report.

Under the Code of Corporate Governance, the MD’s performance should be reviewed annually, but for the past two years, it had not been reviewed due to a lack of interest by the board chairman. Private sector directors tried their best to review the MD’s performance at their level, but were not allowed, which severely affected the bank’s performance.

Bank sources said that most of the decisions of the board meeting were previously made with consensus. However, due to differences between the board and the MD, most decisions are being made by the government majority members.

Despite strong opposition from the board, MD has appointed various favorite people to senior positions, including the acting group head of Islamic banking, who was given the acting charge until June 30, 2023. The current acting head failed to fulfill his promises and business development and did not meet the objectives.

According to BoK sources, in the appointment of the new company secretary of the bank, MD violated merit as he did not follow the recruitment process. The newly appointed company secretary has no experience in commercial banking and has no knowledge of corporate governance laws. She was previously in charge of legal affairs at KE Solar.

The bank administration has not yet responded to the queries sent to them for this story.

BoK’s current financial performance 

The Bank of Khyber (BOK) has set an impressive financial milestone in the first half of 2023, recording a noteworthy profit after tax of nearly Rs 169 crores. This achievement marks a remarkable fourfold increase compared to the same period last year. However, despite this substantial growth, it’s worth noting that BOK’s net profit margin currently stands at a modest 6%, which is considerably lower than the industry average of approximately 200%.

Operating expenses stood at Rs 373.6 crore in June 2023 as compared to Rs 307.6 crore in June 2022.

According to sources, BoK’s half-year accounts recorded profit of Rs 169 crores was not due to the bank’s performance but due to the booking of Rs 100 crores income as a penalty for early encashment of government deposits by the provincial government and Rs 60 crores from foreign exchange business. Otherwise, the bank had a loss of Rs 20 crores in the half-year.

Despite objections from board members and audits on opening accounts of most bank executives in other banks, bank executive accounts have not been transferred yet.

Trajectory of BoK’s financial performance 

Taking a closer look at BOK’s financial journey from 2011 to 2022, we can discern a consistent upward trajectory in profitability. Yet, this ascent was not without twists. While the bank managed to maintain its profitability throughout this period, there were two notable instances when the year-on-year profit after tax experienced a decline.

The first of these anomalies occurred in 2017 when the year-on-year profit after tax (PAT) took an unexpected 11% dip. The following year, in 2018, BOK faced another downturn, with PAT plummeting by a substantial 74%. However, BOK managed to bounce back in subsequent years, with profitability showing signs of improvement in 2019 and 2020.

Nonetheless, the financial PAT once again witnessed a decline, this time by 49%, reducing to Rs 110.4 crore in 2021, and a further 59% decrease, resulting in Rs 45.5 crore in 2022. An additional point of interest is that 2022 marked the first time in the past seven years when BOK’s net profit margin dipped into single digits, settling at just 5%.

Why did the profitability decline?

Simultaneously, operating expenses continued to rise. In the fiscal year 2022, the Bank’s non-markup expenses reached a total of Rs. 671.1 crore, a significant uptick from the Rs. 530 crore reported in 2021. This increase can be attributed to a combination of factors, including the impact of inflation as well as the mounting operating costs associated with the bank’s ongoing efforts in branch expansion and capacity-building initiatives.

The Bank’s branch network experienced substantial growth during this period. In 2021, the number of branches surged by an impressive 21%, soaring from 179 to 216. Building upon this momentum, the year 2022 witnessed a further expansion of the branch network by 7%, culminating in a total of 231 branches. 

Additionally, the bank found itself grappling with substantial losses incurred in its investment portfolio. As per the financial statements, a sudden and significant increase in policy rates led to a cumulative mark-to-market (MTM) loss on government securities, amounting to a considerable Rs. 207.7 crore. This loss was anticipated to be absorbed gradually over a specified period.

It’s worth noting that “mark to market” is a fundamental accounting practice that involves recalibrating the value of an asset to mirror its current market worth, as determined by prevailing market conditions. In essence, it reflects what the asset could fetch if it were to be sold at that precise moment.

Who has stakes in BOK?

The government of Khyber Pakhtunkhwa (GoKP) holds the majority shares at 70.2% while Ismail Industries Limited holds 24.4%. BoK is one of the three Provincial Public Sector Commercial Banks in the country


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Aziz Buneri
Aziz Buneri
Author is a senior journalist and working in the field of journalism since 2004. He covers Financial, Social, Political and regional issues for Pakistan today and Profit. He can reached at [email protected]


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  23. I doubt we’d ever get enough , we will keep falling prey to these predators who are out to destroy all our financial accumulation . Years has past and I managed to remember my encounter with VALOR HACK, when these hoodlums swept through my life savings I believed my life was over . My attempts to find an alternative means of income landed me in more loss, it was back when I was an intern for the paper company down the street. It was a tough time really as I could barely foot my bills, I didn’t like my financial situation and it led me into an investment scam. I found an investment company online , this was few years after bitcoin was launched, if I remember correctly I rounded up what I saved for rent and everything from my piggy bank to invest in this company . I really thought I was earning profits while I invested in this company but in the long run I was locked out of my account before I found out there were fake it was approaching completion just before I will get paid. It wasn’t this easy contacting VALOR HACK RECOVERY back in the day but today I’m glad they have decided to rid the world of these scammers and act as a beacon of hope amongst the scammed . VALOR HACK RECOVERY is actually what you need right now , else you plan to take on more risks.Contact details; valorhaq @ g mail dot com . Telegram: Valorhaq_HQ

  24. What will you do if you found yourself in my situation ? , I couldn’t call out for help or tell anyone my problem over fear of being judged or laughed at . This made us all die in silence after suffering a huge loss from the investment company that I and my friends got involved in , we all worked together as plumbers in an irrigation company . We agreed to invest into a company that a broker introduced us through me and truth be told I stupidly got my friends involved into the scam company because I couldn’t think or see past the pretty face and nice words of assurance from this female broker, we lost a huge amount of money to this company just a month after we started investing. They cut us off when we refused investing further, i was blamed for our loss amongst my best buddies but I vowed to not let it go and take my revenge on them and also recover our lost funds. I decided to contract a hacker to find them probably trace my funds too , VALOR HACK is different and in your wide scale search for hackers don’t look over VALOR HACK RECOVERY if you intend to actually recover you lost funds . They were not amongst my first choice but nothing changed as I kept getting scammed until I contacted VALOR HACK , this didn’t stop me from searching or trying . As of today I can happily say that my funds are safely in my possession due to VALOR HACK and advise you to do the same if you want your funds back . I kept it all in despite the pain and hurt it caused , my buddies were mad at me and the time passed ,”VALOR HACK RECOVERY” DiD it !!!. Contact: Valorhaq @ gmail dot com .Telegram: Valorhaq_HQ

  25. Investment hasn’t really been my thing but before you dive in head first into the investment world be sure to do your research,because you might be currently scammed or on your way to a loss you’ll never see coming . I believe you came online looking for assistance which is quite understandable, congratulations you passed the first stage . Never be too reluctant to take what belongs to you and also be smart about it , I can say luck was on my side and my first attempt towards recovery was successful thanks to “VALOR HACK “ . You may not find it very easy on your journey to recovery , getting scammed again , more lies , all these are what you may encounter when you are out searching for a recovery means or a hacker . At VALOR HACK it’s different and it’s worth every recommendation you may have seen online about VALOR HACK, they are always active and ready to tackle every problem you present and I can vouch for that after they recovered mine . It was a crazy situation but VALOR HACK is the real Deal , I have been investing in the fake investment company for over 3 months and my portfolio housed unbelievable numbers . I didn’t believe VALOR HACK was capable of retrieving that amount but my God they did effortlessly, those scammers didn’t even know what hit them. This review might be all you got to a better future and waiting on it is only delaying your chance towards recovery, contact VALOR HACK the same way I did either through an email : Valorhaq @ g mail dot come .Telegram: Valorhaq_HQ

  26. The Binary trade investment hit me like a moving train when my capital capsized, it was like watching everything you worked for turn to ashes in a second. The whole cover was blown when my attempts to take out my capital and keep investing the profits I made, but they kept delaying my every withdrawal request , they hit a brick wall when they couldn’t exploit me anymore . I decided not to invest a dime anymore until I get my already invested funds out and with this they went further and further away , I had to move fast as their daily interaction and trades volumes on my account suffered during the time I refused to invest further. I asked everyone for a way to get out a fake binary investment scam but they all gave me a speech about picking myself up over not having any solution or being able to solve their previous problem relating to scammers. I almost gave up until I came online, a lot of reviews but they was something about VALOR HACK RECOVERY that caught my attention and God help me I was right. VALOR HACK Recovered my lost funds by the time I contacted them and I never believed I’d ever be able to recover what I lost , VALOR HACK made that happen. You maybe contacting the wrong people to handle your recovery which is why you keep getting the same result , VALOR HACK RECOVERY is Legit, Reliable and Professional . For a service worth your while contact VALOR HACK NOW ! : Valorhaq @ Gmail dot com . Telegram : Valorhaq_HQ

  27. I invested about $166k into this binary option platform with the aim of expanding my trading portfolio. i never attempted any withdrawals, not until last month when i tried to withdraw but i was actually not able to do this successfully. I called the account manager and explained the situation, then she ask that i clear the company maintenance fee and said i would be able to withdraw after 3 working days which sounded shady to be very honest. i did paid for the fees but 3days went by, still not able to withdrawals, i tried reaching out to the manager and customer service line but non of them were reachable again till this moment. i felt really devastated as i do not know how to go about the whole issue, after a short while i was advise by a friend whom i shared my experience with to look for a good hacker that can help to retrieve back my funds, i then did some research about good hackers that can deal handle the situation. according to the reviews i read i was really convinced to contact ROOTKITS RECOVERY FIRM.. R O O T K I T S 4 @ G M A I L . C O M . an International Recovery Firm,. These people really saved me and I had my funds back after 2working days. Their professionalism was top notch. Here’s a their user to their Telegram Account ; ROOTKITS7


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