Karachi, December 11, 2025 – The State Bank of Pakistan (SBP) has released the latest Karachi Interbank Offered Rates (KIBOR) for Thursday, providing updated reference rates for banks, financial institutions, and customers involved in interbank lending and borrowing.
KIBOR serves as a benchmark for various financial products, including loans, deposits, and investment instruments, making these daily updates crucial for market participants.
The updated rates show minor fluctuations compared to the previous day, reflecting market liquidity and short-term interest rate expectations. Financial analysts suggest that such changes in KIBOR can influence lending rates across the banking sector, impacting businesses and individual borrowers alike.
KIBOR Rates – December 11, 2025
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.78 | 11.28 |
| 2-Week | 10.78 | 11.28 |
| 1-Month | 10.75 | 11.25 |
| 3-Month | 10.85 | 11.10 |
| 6-Month | 10.89 | 11.14 |
| 9-Month | 10.90 | 11.40 |
| 1-Year | 10.90 | 11.40 |
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 |
Investors and businesses are advised to monitor KIBOR trends closely, as slight daily movements can affect borrowing costs, investment yields, and overall financial planning. SBP continues to provide these updates daily to ensure transparency and maintain confidence in Pakistan’s interbank lending market.