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Excellence Entity year of excellence entity Long term A Short term A2 JCR-VIS Credit Rating Company Ltd. (JCR-VIS) has upgraded the medium to long term entity rating of the Bank from ‘A-’ (Single A Minus) to ‘A’ (Single A) while maintaining the short term rating at ‘A-2’ (A Two). Outlook on the assigned rating is “Stable”. The Pakistan Credit Rating Agency Limited (PACRA) has maintained long term entity rating of the Bank to “A-“ (Single A Minus) and short term entity rating at “A2” (A Two). Rating outlook is “Positive”. The ratings denote low expectation of credit risk emanating from a strong capacity for timely payment of financial commitments. Milestones Achieved 4 Serving with Distinction & Pride 6 Our Vision & Mission 8 Company Information 10 Our Products & Services 12 Board Profile 14 From the Managing Director 16 Financial Spectrum 18 Six Years Financial Highlights 20 Notice of 22nd Annual Genreal Meeting 22 Directors’ Report 24 Statement of Compliance 37 Review Report to the Members 40 Statement of Internal Control 41 Shariah Advisor Report 42 Auditors' Report to the Members 45 Financial Highlights 47 02 03 milestones DEPOSITS RS. ADVANCES 60BILLION RS. UP BY 32 % OVER 2O11 BILLION30 UP BY 17 % OVER 2O11 INVESTMENTS RS. ASSETS 46BILLION UP BY 25 % OVER 2O11 RS. 82BILLION UP BY 20 % OVER 2011 PROFIT AFTER TAX ONE BILLION UP BY 23% OVER 2011 04 05 serving with We embarked upon our journey 22 years ago, as one of the public sector bank, catering to the banking needs of our people. After successfully coming out of all sort of challenges, today we are all set to be a bank that is present almost in every part of the country. Alhamdulillah, as a mainstream bank now, we enjoy the unique distinction of offering the best of Islamic as well as Conventional banking at our entire After passing through an arduous network of branches. journey of over two decades, now it is beginning of a new journey for us. As No doubt Khyber Pakhtunkhwa is our a dynamic bank, we are not confining forte but we have successfully ourselves only to Pakistan, but we outgrown to other areas of the aspire to go beyond in the months and country like Federal Capital, Punjab, years ahead. To begin with, our Bank Sindh, Azad Kashmir and Baluchistan. plans to extend the network to Kabul and then Dubai where there is largest concentration of our people. Our ultimate aim is to serve every Pakistani with distinction and pride. 06 07 our Vision To become a leading Bank providing efficient and dynamic services in both Islamic and Conventional banking through expanded nationwide network. Mission To increase shareholders’ value and provide excellent service and innovative products to customers through effective corporate governance, friendly work environment and contributing towards Objectives an equitable socioeconomic growth. Provide value added services through operational expansion, geography and Core Values upgraded systems Highest quality of service Build and manage a diversified equity Professionalism portfolio promising optimum returns Integrity Mobilize funds in a cost effective Team Work manner to meet the financing needs Innovation and utilization of latest Achieve sustainable growth and be technology competitive in commercial operations Risk Mitigation Undertake Islamic & Conventional Corporate Social Responsibility banking services and participation in financing syndicates Build a corporate culture of equality, trust and team spirit as we remain dedicated to be a socially responsible organization 08 09 company Board of Directors Attaullah Khan Chairman Bilal Mustafa HR & Remuneration Committee Managing Director / CEO Sajjad Ahmad Chairman Sahibzada Saeed Ahmad Asad Muhammad Iqbal Director Javed Akhtar Mir Javed Hashmat Maqsood Ismail Ahmad Bilal Mustafa Director Chief Financial Officer Mir Javed Hashmat Rahat Gul Executive Director Tel: +92-91 526 0920 Fax: +92-91 528 7401 Sajjad Ahmad Director Company Secretary Javed Akhtar Zahid Sahibzada Director Tel: +92-91 527 0982 Fax: +92-91 525 3977 Asad Muhammad Iqbal E-mail: [email protected] Director Registered Office/Head Office Audit Committee The Bank of Khyber, 24 - The Mall Asad Muhammad Iqbal Chairman Peshawar Cantt. Sahibzada Saeed Ahmad UAN# +92-91-111 95 95 95 Sajjad Ahmad Web: www.bok.com.pk Javed Akhtar Auditors Risk Management Committee M. Yousuf Adil Saleem & Co. Javed Akhtar Chartered Accountants Chairman Maqsood Ismail Ahmad Sajjad Ahmad Legal Advisors Mir Javed Hashmat Nisar Ahmed Khan Bilal Mustafa Advocate, Peshawar M/s. Mohsin Tayebaly & Co., Karachi Registrar and Share Registration Office THK Associates (Pvt) Ltd Ground Floor, State Life Building No. 3 Dr. Ziauddin Ahmed Road Karachi – 75530. Pakistan. 10 11 our Deposit Schemes Khyber Friendly Munafa Scheme Current Benefit Account Be-Baha Mahana Amadani Regular Amdani Scheme Foriegn Currency Deposit Agriculture Credit Schemes Advances Sada Bahar Zarai Loan Scheme Financing Options Credit Guarantee Scheme Corporate Financing Agriculture Refinance Loan Scheme Commercial Financing Livestock Loan Scheme SME Financing Dairy Storage Loan Scheme Consumer Financing Dairy Marketing Loan Scheme Micro Financing Tractor Loan Scheme Agriculture Financing Farm Machinery Loan Scheme Project Financing Tube Well Loan Scheme Products Cash Finance Islamic Banking Running Finance Murabaha Demand Finance Musharaka Trade Finance Mudaraba Export Refinance Ijara House / Auto / Salary Loans Ijara wa Iqtana Letter of Credit Istisna Letter of Guarantee Deposit Schemes Bill collection under Wakala Online Banking The Bank of Khyber offers Online Banking Facility to its customers at branches all over Pakistan. Cash may be accepted at a branch for crediting accounts at another branch. Cheques can be paid by a branch by debiting the customer’s account at another branch. 12 13 board Attaullah Khan Bilal Mustafa Mir Javed Hashmat Sahibzada Saeed Chairman Managing Director / CEO Executive Director Ahmad Non-Executive Director Non-Executive Director Mr. Bilal Mustafa is a career Mir Javed Hashmat is a banker having over 38 years of Mechanical Engineer having 29 Sahibzada Saeed Ahmad has Mr. Attaullah Khan is a senior civil professional banking experience. years of rich banking experience. extensive experience of 36 years servant belonging to the District He joined Habib Bank Ltd. in 1968 He started his career with the of public sector institutions Management Group. Mr. Khan as an officer and later on Industrial Development Bank of ranging from Pakistan Navy to has vast experience of 32 years in associated himself with Allied Pakistan in 1974 and left the Bank Civil Service and from District management, administration and Bank (then Australasia Bank) in in 1999 as Senior Vice President. Administration to Education planning to his credit which 1973. He rose to the position of Mr. Hashmat has attended sector. He has done his masters in includes various top hierarchy SEVP (Group Chief) and retired in number of national and Business Administration with positions at provincial and federal year 2007. He attended various international courses, and has also specialization in Project governments level. He is a law national and international received certification in Project Management and Finance & graduate and has attended courses. Evaluation, Implementation & Accounts. He is presently serving various national and international Supervision from Manila, as Secretary Finance, Government courses. He currently holds the Phillipines. He has been certified of Khyber Pakhtunkhwa. office of Additional Chief as Director by Pakistan Institute of Secretary of the Government of Corporate Governance. Khyber Pakhtunkhwa. 14 Maqsood Ismail Sajjad Ahmad Javed Akhtar Asad Muhammad Ahmad Non-Executive Director Independent Director Iqbal Non-Executive Director Independent Director A businessman by profession, Mr. Mr. Javed Akhtar is associated with Mr. Maqsood Ismail Ahmad is a Sajjad Ahmad has an experience of the textile industry. Apart from Mr. Asad holds a Bachelor Degree professional businessman of the 27 years in the field of managing his own group of in Computer Science from Carnegie Country having diversified manufacturing of lamps & companies, he is also the Mellon University, USA. He has experience from manufacturing to fluorescent tube lights and energy Chairman, Fashion Apparel diversified experience in equities, power generation and commodities savers. Currently, he is holding the Designing and Training Institute asset management and software business. He is on the boards of position of Group Chief Executive. (FADIN), Member Managing development. He served as Vice different companies and remained Mr. Sajjad has done his graduation Committee and currently member President, Equities Division at Chairman/President of different from Peshawar University and is a General Body of the Federation of Goldman Sacks & Company, N.Y., business forums viz. Federation of member of different social Pakistan Chamber of Commerce & USA. He has also remained a Pakistan Chambers of Commerce & organizations. Inductry (FPCCI). He also remained Director of the Karachi Stock Industry, Export Processing Zones Director of Karachi Cotton Exchange. Presently, he is executing Authority, Pakistan Yarn Merchants Association and held the position his duties as Chief Executive of Association. He also represented of Chairman, Pakistan Cotton Streetware Systems, a software Pakistan as a businessman in official Fashion Apparel Exporters development company engaged in delegations to different countries. Association during 1997 –
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