Bank
of Khyber was founded in 1991 and is headquartered in Peshawar, Pakistan. As a regional bank, it primarily serves residents and businesses in Khyber Pakhtunkhwa. The bank is owned by the Government of Pakistan and is a state-owned bank. Since its inception, Khyber Bank has been committed to providing financial support for local economic development.
Scope of
ServicesKhyber Bank has an extensive branch network in Pakistan, especially in Khyber Pakhtunkhwah Province, with multiple branches and ATMs to facilitate customers to carry out their day-to-day banking operations. Its services cover personal banking, corporate banking, Islamic banking and other fields to meet the diverse needs of different customers.
Regulation & Compliance
Khyber Bank is regulated by the State Bank of Pakistan and complies with the country's banking regulations and regulatory requirements. In addition, the bank is a member of the Deposit Protection Corporation of Pakistan and provides protection for customers' deposits.
of Financial HealthAccording
to the latest financial report, Khyber Bank's capital adequacy ratio meets regulatory requirements, showing a good capital buffer. The non-performing loan ratio remained within a manageable range, reflecting the effectiveness of its risk management. The liquidity coverage ratio also meets regulatory standards, ensuring the bank's ability to respond to funding needs in the short term.
Deposits &
LoansDepositsKhyber
Bank offers a variety of deposit products, including demand deposits, time deposits, high-yield savings accounts, and large certificates of deposit (CDs). These products have competitive interest rates to meet the different savings needs of customers.
LoansThe
Bank provides a variety of loan products, such as housing loans, car loans, personal lines of credit, etc. The loan interest rate is competitive, the application threshold is reasonable, and flexible repayment options are available, so that customers can choose according to their financial situation.
List of common
feesCapber Bank's account management fees, transfer fees, overdraft fees, ATM interbank withdrawal fees and other fee structures are transparent, and customers can learn more about the relevant fees before opening an account. In addition, the bank also has clear explanations about hidden fees that may be incurred, such as minimum balance requirements, to ensure that customers have the right to know.
Digital Service Experience
APP & Online BankingKhyber
Bank provides a full-featured mobile banking app and online banking services. The mobile app has received positive user reviews on the App Store and Google Play, and supports core features such as facial recognition, real-time transfers, bill management, and investment tool integration, enhancing customers' digital banking experience.
Technological InnovationThe
bank actively adopts artificial intelligence technology to provide AI customer service and robo-advisory services to improve customer service efficiency. In addition, Khyber Bank supports open banking APIs, facilitates collaborations with third-party fintech companies, and drives innovation in financial services.
Customer Service Quality
Service
ChannelsKhyber Bank offers a variety of customer service channels, including 24/7 phone support, live chat, and social media platforms, ensuring that customers can get help at all times. Its customer service team is responsive and committed to customer satisfaction.
Complaint HandlingThe
Bank has a well-established complaint handling mechanism, with a low complaint rate and a short average resolution time, demonstrating its emphasis on customer feedback and its ability to handle it efficiently. The results of the customer satisfaction survey show that the majority of customers are satisfied with their services.
Multi-language support
Considering the diversity of customers, Khyber Bank provides multilingual services that support Urdu, English, etc., making it convenient for customers with different language backgrounds to use its services.
Security
MeasuresFunds
SafetyKhyber Bank provides deposit insurance protection to customers to ensure the safety of customer funds. At the same time, the bank uses advanced anti-fraud technologies, such as a real-time transaction monitoring system, to detect and prevent suspicious transaction activities in a timely manner.
Data
SecurityThe bank attaches great importance to the security of customer data and has passed the ISO 27001 information security management system certification. In addition, Khyber Bank continues to strengthen cyber security measures to ensure the confidentiality and integrity of customer information.
Featured Services & Differentiated
SegmentsKhyber Bank offers customized services for different customer segments, such as commission-free accounts for students, exclusive wealth management products for the elderly, and green financial products to support sustainable development and environmental projects.
High Net Worth ServicesThe
Bank has a private banking division that provides customized wealth management solutions to high-net-worth clients, including investment advisory, asset allocation and family trust services, to meet their complex financial needs.
Market Position & Accolades
Industry Rankings
Khyber Bank has a significant presence in the banking sector in Pakistan, especially in Khyber Pakhtunkhwa province, where its market share and customer base are growing steadily. The bank's ranking in the "Top 1000 Global Banks" published by The Banker magazine has steadily risen in the rankings, showing its influence in the global banking industry.
AwardsKhyber Bank has received several industry awards, such as "Best Digital Bank" and "Most Innovative Award", for its outstanding performance in digital transformation, customer service and financial innovation, further cementing its leading position in the banking industry.
