Bank of Khyber

Bank of Khyber maintains a capital structure characterized by a debt-to-equity ratio of 1.72, indicating significant leverage relative to its equity base of PKR 23.68 billion. The bank holds total assets of PKR 453.30 billion against total liabilities of PKR 429.62 billion. Long-term debt stands at PKR 40.67 billion, contributing to a negative net cash position after subtracting total debt from cash equivalents, as flagged in the risk assessment. Operating cash flow is reported at PKR 408.08 million, while free cash flow is PKR 2.48 billion, derived from capital expenditures of PKR -1.39 billion.

Profitability metrics show a return on equity (ROE) of 24.56% and a return on assets (ROA) of 1.28%. The bank generated net income of PKR 5.82 billion on revenue of PKR 19.00 billion for the latest normalized period. Without specific cohort median data provided in the input, these returns are assessed in isolation, though the ROE suggests efficient use of equity capital. The net income margin is approximately 30.6%, reflecting the typical spread-based profitability model of commercial banks.