Karachi, December 10, 2025 – The State Bank of Pakistan (SBP) released the latest Karachi Interbank Offered Rates (KIBOR) for Wednesday, reflecting updated benchmark lending rates used widely across the banking and financial sector.
The daily KIBOR update assists commercial banks, corporate borrowers, and financial institutions in making informed lending, borrowing, and investment decisions.
KIBOR serves as a key reference rate for pricing loans, determining profit rates, and assessing short-term liquidity trends in the interbank market. Even slight movements in KIBOR influence overall borrowing costs for businesses and impact financial planning for both lenders and borrowers.
Below are the updated Karachi Interbank Offered Rates (KIBOR) rates for December 10, 2025, along with a comparison to the rates issued on December 9, 2025. The tables indicate bid and offer rates across various tenors, allowing stakeholders to evaluate day-to-day changes in market sentiment and liquidity conditions.
KIBOR Rates – December 10, 2025
| Tenor | Bid | Offer |
| 1-Week | 10.73 | 11.23 |
| 2-Week | 10.75 | 11.25 |
| 1-Month | 10.77 | 11.27 |
| 3-Month | 10.85 | 11.10 |
| 6-Month | 10.90 | 11.15 |
| 9-Month | 10.90 | 11.40 |
| 1-Year | 10.91 | 11.41 |
KIBOR Rates – December 9, 2025
| Tenor | Bid | Offer |
| 1-Week | 10.74 | 11.24 |
| 2-Week | 10.76 | 11.26 |
| 1-Month | 10.78 | 11.28 |
| 3-Month | 10.86 | 11.11 |
| 6-Month | 10.91 | 11.16 |
| 9-Month | 10.92 | 11.42 |
| 1-Year | 10.92 | 11.42 |