Faysal Bank Limited (FBL) demonstrated resilient financial performance, on a standalone basis, reporting Profit Before Tax (PBT) of PKR 47 billion and net profit of PKR 21.7 billion translating into Earnings Per Share PKR 14.30.
The Bank also declared a final cash dividend of Rs 2 per share, i.e. 20%. This results in a cumulative cash dividend payout of Rs 6.5 (65%) per share for the year, which includes Rs 4.5 (45%) interim cash dividend distributed during the year.
FBL’s balance sheet showed robust growth and total assets were at PKR 1.8 trillion, driven by strong deposit mobilization. Growth in current accounts remained robust, crossing half a trillion mark to PKR 536 billion i.e., 31.3% growth over December 2024. Bank’s total deposits increased by 36.7% to PKR 1.43 trillion as at December 2025, with market share improving from 3.45% to 3.81%. FBL’s net financing increased by 37.6% to PKR 872 billion as at December 2025, with market share improving from 4.2% to 6.1%. ADR strengthened to 61.1% as at Dec’25 from 60.7% at Dec’24.
The Bank’s Capital Adequacy Ratio (CAR) is at 14.0% and remains above the minimum regulatory requirement for 2025. Asset quality continued to improve with the infection ratio declining to 2.3% as compared to 3.6% last year.
The Bank’s financial performance underscores its solid business fundamentals, prudent risk management practices, and focus on innovation. These further cements FBL’s position as a key player in the banking industry, dedicated to delivering sustainable growth and value to stakeholders.
Mr. Mian Muhammad Younis, Chairman of Faysal Bank, reflecting on the Bank’s performance, said, “Alhamdulillah, the results of the year ended December 2025 underscore the enduring strength and stability of our Islamic banking foundation. They are a direct outcome of the clear strategic vision of our Board and the dedication of our management. We remain grateful to our valued customers for their continued trust and for choosing Faysal Bank as their preferred Islamic banking partner.”
Mr. Yousaf Hussain, President & CEO of Faysal Bank, added, “By the Grace of Almighty Allah, following a year of robust performance in 2025, FBL continues to uphold the values of Islamic banking while offering innovative and inclusive financial solutions that contribute to the real economy. Guided by our Shariah Supervisory Board, we are strengthening our risk management practices, governance framework, and customercentric approach to ensure sustainable and responsible growth. With a strong foundation, we are wellpositioned to accelerate our growth through ongoing investment in our network, digital capabilities, and human capital.”
