Introduction

The Bank of Khyber was established in 1991 through Act No. XIV, passed by the Provincial Legislative Assembly of
the North-Western Frontier Province of Pakistan. It was awarded status of a scheduled bank in September 1994.
The Bank of Khyber enjoys a unique position, and stands out amidst the other banks operating within Pakistan, and
has the privilege of being bracketed amongst the only three government banks in the country. Currently the bank
has a total branch network of 41 Branches Plus 2 sub branches throughout the country. At present, 18 of its
branches functioning as dedicated Islamic Banking Branches, whereas 23 branches are conventional banking
branches.

MISSION STATEMENT

To increase shareholders' value and provide excellent service and innovative

products to customers through effective corporate governance, friendly
work environment, and contributing towards an equitable sub-economic growth

OUR VISION

To become a leading Bank providing efficient and Dynamic Banking Services in both Islamic and Conventional
Sectors.

Core Values

 Highest quality of service

 Professionalism, Integrity and Team Work
 Innovation and utilization of latest technology
 Corporate Social Responsibility

Note:Isla
mic
Branche
s are
highlight
ed with
Green
Color
KHYBER PAKHTUNKHAWA

 
Board Of Directors

Mr. Ghulam Dastgir Akhtar

Chairman

Additional Chief Secretary Govt. of NWFP

   

   

   

Sahibzada Saeed Ahmad Mr. Bilal Mustafa Mir Javed Hashmat

Director/Secretary Finance Govt. of Managing Director/CEO Member Board of Directors/ Executive
NWFP Director

   
Mr. Muhammad Maqsood Khan Mr. Maqsood Ismail Mr. Muhammad Asif Mr. Amjid Pervez
Director Director Director/Chairman Audit Committee
Last updated: 05/03/2010

Key Executives
 Bilal Mustafa
  Managing Director

Mir Javed Hashmat

  Executive Director

Imran Samad
  EVP/Group Head Credit Management
Group

Ayub Hamid
  EVP/Head Human Resource Division

Arbab Riaz Ahmad

  SVP/Group Head
Islamic Banking Group

   
   
 JCR-VIS maintains ratings of The Bank of Khyber at BBB+
 
Karachi, July 6, 2009: JCR-VIS Credit Rating Co Ltd. has maintained the medium to long term rating of
The Bank of Khyber (BoK) at ‘BBB+’ (Triple B Plus). Outlook on the ratings is ‘Stable’.

BoK has directed recent efforts to improve its IT infrastructure, strengthen credit administration,
including revamping MIS and inducting human resource at senior level. However, BoK confronts
unusual challenges of being a market player with major operations in NWFP. The unstable law and
order situation and prevailing insurgency in the province have made the overall environment difficult.
Consequently, the bank faces an uphill task in achieving growth, while conforming to prudent standards
of underwriting business. The management’s increasing focus towards expanding in other provinces, is
likely to partly address these concerns.

In a hostile economic environment, banks in general have posted deterioration in asset quality
indicators. BoK was not an exception. Going forward, provisioning requirements coupled with
recognition of impairment losses on available for sale investments would continue to impede
profitability; at least in the current year. The bank’s deposit access is also limited and available funds
feature high concentration. Resultantly, the short-term rating has been revised to ‘A-3’ (A-Three) from
‘A-2’ (A-Two).

Given the regulatory requirement to enhance the paid-up capital to Rs. 6b by end of FY09, the
sponsors are exploring various alternatives and the final plan is expected to emerge soon. The
Government of NWFP is likely to maintain its major shareholding in the bank.

For further information on this rating announcement, please contact Ms. Sabeen Saleem
(sabeen@jcrvis.com.pk) at (92-21) 35311861-10 (10lines) or fax to (92-21) 35311873.

Telephone ATM
Branch Name Address Fax Number Email Address
Number Status
(0992)9310157,
Abbottabad Jinnah Road, Abbottabad 0992-9310158 abbottabad@bok.com.pk Yes
9310314
Ashraf Road, Peshawar (091)2553007,
Ashraf Raod   (091)252497 ashrafrd@bok.com.pk No
City 2553989
(0928)612202,
Bannu Outside Lakhi Gate, Bannu (0928)621429 bannu@bok.com.pk No
613394

Batkhela Main Bazar Batkhela (0932)-414851-3 (0932)-414854 batkhela@bok.com.pk No

Police Lines Road,

Civil Secteriate (091)9211710 (091)9212680 secretariate@bok.com.pk Yes
Peshawar

Main Bazar, Mardan Road,

Charsadda (091)6511329 (091)6513748 charsadda@bok.com.pk No
Charsadda 
 (0943)414567,
Chitral Ataleeq Bazar, Chitral (0943)412220 chitral@bok.com.pk No
412473, 414511
(0966)718098,
DIKhan Circular Road, D.I.Khan (0966)718099 dikhan@bok.com.pk  Yes
719017
Rahim Medical Center, (091) 2220275,
GT Road (091)2220275 gtrd@bok.com.pk  Yes 
G.T. Road, Peshawar 2590669
(0925) 620744,
Hangu Main Bazar, Hangu (0925)623744 hangu@bok.com.pk No
613394
(0995) 610728,
Haripur Shahra-i-Hazara, Haripur (0995)611285 haripur@bok.com.pk No
616800

Road No. 3, Industrial (0995) 617231,

Hattar (0995)617631 hattar@bok.com.pk No
Estate, Hattar 617631

S.S. Plaza, Hayatabad,

(091) 5823711,
Hayatabad Bara Market, Jamrud (091)5815194 hayatabad@bok.com.pk Yes
5829369-70
Road, Peshawar
Balagh Hotel Khyber Bazar
Khyber Bazar (091) 2569174 (091)2211170 khyberbz@bok.com.pk No
Peshawar
Cantonment Plaza, Bannu (0992) 9260146,
Kohat (0992)9260156 kohat@bok.com.pk Yes
Road, Kohat 111959595
24-The Mall, Peshawar (091) 5278284,
Main (091)5279791 main@bok.com.pk Yes
Cantt. 5271758
Main Bazar,opp GTS Stand
Mansehra (0997) 300239 (0997)300839 mansehra@bok.com.pk Yes
Mansehra
Cantonment Plaza,
(0937) 9230505,
Mardan Shahra-i-Qazi Bashir, (0937)874899 mardan@bok.com.pk Yes
9230606
Mardan
Makanbagh, Saidu Sharif
Mingora (0946) 9240045-7 (0946)9240046 mingora@bok.com.pk  Yes
Road, Mingora, Swat
Saad Plaza, Saddar Bazar, (0923) 9220035,
Nowshera (0923)613530 nowshera@bok.com.pk No
Nowshera 9220038
Saddar Road, Peshawar (091) 5276848,
Saddar Road (091)5277278 saddarrd@bok.com.pk No
Cantt. 5284686

Tank Adda Bazar, Tank (0963) 510068 (0963)510068 tank@bok.com.pk No

Timergarah Balambat Road, Timergara 0945-9250232 (0945)822690 timergera@bok.com.pk No

Opposite Spinzer Plaza, (091) 9216952,

University Road (091)9216959 university@bok.com.pk No
University Road, Peshawar 9216951
Tariq Sultan Building
City Branch (091)2561511-13 citybr@bok.com.pk No
Hospital Road, Peshawar
Jamil Khan Market Mardan
Swabi Branch (0938)222513 swabi@bok.com.pk No
Road, Swabi

 
 
 
    A