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BOK - FoxLogica

BOK

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⏸️ BOK: HOLD Signal (5/10) – Change of Ex-officio Director on the Board of the Bank of Khyber

⚡ Flash Summary

BOK announced: Change of Ex-officio Director on the Board of the Bank of Khyber. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • BOK made announcement: Change of Ex-officio Director on the Board of the Bank of Khyber
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for BOK. Manual verification required.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: December 11, 2025

⏸️ BOK: HOLD Signal (5/10) – Change of Ex-officio Director on the Board of the Bank of Khyber

⚡ Flash Summary

BOK announced: Change of Ex-officio Director on the Board of the Bank of Khyber. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • BOK made announcement: Change of Ex-officio Director on the Board of the Bank of Khyber
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for BOK. Manual verification required.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: December 11, 2025

⏸️ BOK: HOLD Signal (6/10) – The Bank of Khyber-Financial Results for the Quarter ended September 30, 2025

⚡ Flash Summary

The Bank of Khyber (BOK) reported its financial results for the quarter ended September 30, 2025. The bank’s net mark-up/interest income increased to PKR 4,678.67 million compared to PKR 4,545.51 million in the same quarter last year. Profit after taxation was reported as PKR 1,607.21 million, up from PKR 1,081.53 million in the prior year. The bank did not declare any cash dividend, bonus shares, or right shares for the quarter.

Signal: HOLD ⏸️
Strength: 6/10
Sentiment: POSITIVE
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 👍 Net mark-up/interest income increased to PKR 4,678.67 million from PKR 4,545.51 million year-over-year.
  • 🚀 Profit after taxation rose to PKR 1,607.21 million, a notable increase from PKR 1,081.53 million.
  • 💰 Basic and diluted earnings per share increased to PKR 1.39 compared to PKR 0.93 in the prior year.
  • 🏦 Total assets reached PKR 481,810.47 million, up from PKR 477,563.86 million at the end of 2024.
  • liabilities increased from PKR 455,664.65 million to PKR 458,962.33 million.
  • 🚫 No cash dividend was declared for the quarter ended September 30, 2025.
  • 📜 Investments amounted to PKR 282,013.48 million versus PKR 282,766.60 million at the end of 2024.
  • 💼 Advances decreased to PKR 122,325.76 million from PKR 146,881.97 million at the end of 2024.
  • 💸 Deposits and other accounts significantly increased to PKR 374,340.43 million compared to PKR 277,641.99 million at the end of 2024.
  • 📉 Borrowings sharply decreased to PKR 61,911.31 million, compared to PKR 133,531.77 million as of December 31, 2024.
  • 📈 Total income increased to PKR 5,906.70 million from PKR 4,964.23 million in the same quarter last year.
  • 🏦 The bank’s reserves increased to PKR 6,060.54 million from PKR 5,066.03 million as of December 31, 2024.

🎯 Investment Thesis

Based on the current results, a HOLD recommendation is appropriate. The bank shows improved profitability and deposit growth, but the decrease in advances and competitive landscape need to be monitored. More detailed information from the annual report and sector comparisons are necessary for a more informed decision. The current price target is under review, with a time horizon of six months to re-evaluate based on further financial data and market conditions.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

📈 BOK: BUY Signal (8/10) – The Bank of Khyber – Transmission of Financial Statements for the Quarter ended 30.09.2025

⚡ Flash Summary

The Bank of Khyber (BOK) reported remarkable performance for the nine-month period ended September 30, 2025, with profit after tax surging by 89% year-on-year (YoY) to Rs. 4,973 million. Net Markup/Interest Income increased by 19% YoY to Rs. 14,524 million, driven by robust balance sheet management and successful reduction in funding costs. Non-markup/interest income also saw significant growth, rising by 178% YoY to Rs. 3,648 million, boosted by gains on securities and fee income. The bank is progressing towards becoming a full-fledged Islamic bank, converting 59 conventional branches to Islamic banking, increasing its Islamic branch network to 191 branches.

Signal: BUY 📈
Strength: 8/10
Sentiment: POSITIVE
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 🚀 Profit after tax surged by 89% YoY, reaching Rs. 4,973 million.
  • 📈 Net Markup/Interest Income increased by 19% YoY to Rs. 14,524 million.
  • 💰 Non-markup/interest income rose by 178% YoY to Rs. 3,648 million.
  • 💹 Gains on securities amounted to Rs. 2,215 million.
  • 🏦 Non mark-up expenses rose by 12% YoY to Rs. 8,527 million.
  • 🔄 Net reversal in provisions amounted to Rs. 959 million.
  • ⬆ Deposits stood at Rs. 374,340 million, up from Rs. 277,642 million as of December 31, 2024.
  • 📉 Gross Advances amounted to Rs. 134,139 million.
  • 📊 Net investments stood at Rs. 282,013 million.
  • ☪️ Islamic banking branch network increased to 191 branches.
  • ⭐ VIS Credit Rating upgraded the Bank’s Medium to Long Term entity rating to AA-.
  • ✔️ Short Term rating of the Bank reaffirmed at A1.
  • 🏦 Total assets of the Bank increased to Rs. 481,810 million.
  • 💳 Launched MasterCard debit card for better services.

🎯 Investment Thesis

Based on the strong financial results and the progress towards becoming an Islamic bank, a BUY recommendation is justified for BOK. The increase in Islamic banking branches and improved credit rating strengthens the bank’s market position. A price target would require more detailed financial projections and sector analysis. The time horizon is medium-term, expecting the transition to full-fledged Islamic bank status to be completed and benefits to be realized.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 6, 2025

⏸️ BOK: HOLD Signal (5/10) – The Bank of Khyber – Board Meeting

⚡ Flash Summary

The Bank of Khyber (BOK) has announced a board meeting scheduled for October 29, 2025, to review the accounts for the quarter ended September 30, 2025, and to declare any entitlement. In compliance with PSX regulations, the bank has declared a “Closed Period” from October 22, 2025, to October 29, 2025, during which directors, CEOs, and executives are prohibited from dealing in the bank’s shares. This meeting will likely involve discussions regarding the financial performance of the bank and potential dividend declarations. Investors and stakeholders are advised to monitor for further announcements following the board meeting.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📅 Board meeting scheduled for October 29, 2025, at 11:00 a.m.
  • 🏢 Meeting to be held at BOK Head Office, Peshawar.
  • 💰 Agenda: Review accounts for the quarter ended September 30, 2025.
  • 📢 Agenda: Declaration of any entitlement.
  • 🔒 “Closed Period” declared from October 22 to October 29, 2025.
  • 🚫 Directors, CEO, and executives cannot trade shares during this period.
  • 📜 Compliance with Clause 5.6.4 of PSX Regulations.
  • 🇵🇰 Announcement made to the Pakistan Stock Exchange Limited.
  • ✉️ Notification sent to TRE Certificate Holders.
  • 🏦 Focus on quarterly financial performance review.

🎯 Investment Thesis

Given the limited information available in this announcement, a HOLD recommendation is appropriate. The announcement primarily pertains to a procedural meeting, and further information is needed to assess the bank’s financial health and future prospects. Investors should await the release of the quarterly results before making any investment decisions. A price target cannot be provided without concrete financial data.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 22, 2025