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Commercial Banks

FABL Faysal Bank Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

Last close · 16 Oct 2026

Rs 91.49 +0.10%

Annual · FY2006 – FY2025

Faysal Bank Limited (FABL) balance sheet

At the end of FY2025 (Jan – Dec 2025) Faysal Bank Limited had total assets of Rs 1.78 tn, up 13.4% on FY2024. Deposits were Rs 1.43 tn, up 36.7% on FY2024 and net advances Rs 872.0 bn. Investments stood at Rs 635.7 bn. Shareholders' equity was Rs 117.8 bn (Rs 77.59 per share), 6.6% of total assets.

FABL balance sheet (annual) (Rs bn)
Rs bn FY2025 * Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 110.7 108.1 85.8 59.5 62.9
Lendings to financial institutions 0.0 0.0 0.0 9.9 0.0
Investments 635.7 678.8 587.1 467.3 357.5
Advances (net) 872.0 634.0 580.7 453.6 395.4
Fixed assets 68.9 58.3 40.4 35.2 26.4
Intangible assets 2.4 2.7 2.5 2.3 2.1
Other assets 71.4 77.7 65.3 40.4 22.3
Total assets 1,777.0 1,567.2 1,371.3 1,075.0 870.0
Liabilities
Deposits 1,426.8 1,044.0 1,018.3 781.6 644.0
Borrowings 173.5 335.2 196.3 183.3 135.0
Total liabilities 1,659.2 1,457.3 1,280.4 1,004.4 803.8
Equity
Share capital 15.2 15.2 15.2 15.2 15.2
Equity attributable to shareholders 117.8 109.9 90.9 70.6 66.1
Total equity 117.8 109.9 90.9 70.6 66.1
Total liabilities & equity 1,777.0 1,567.2 1,371.3 1,075.0 870.0
Key figures
Gross advances 907.2 675.0 600.8 472.9 415.9
Provision against advances 35.2 41.0 20.1 19.3 20.5
Advances to deposits (ADR) 0.61× 0.61× 0.57× 0.58× 0.61×
Shares outstanding mn 1,517.7 1,517.7 1,517.7 1,517.7 1,517.7
Common equity 117.8 109.9 90.9 70.6 66.1
Book value per share (Rs) Rs 77.59 72.43 59.91 46.53 43.57
FABL balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 * Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks +2.4% +26.0% +44.3% -5.5% -6.7%
Lendings to financial institutions -9.3% -10.4% -100.0% — -100.0%
Investments -6.4% +15.6% +25.6% +30.7% +29.5%
Advances (net) +37.5% +9.2% +28.0% +14.7% +26.1%
Fixed assets +18.2% +44.3% +14.8% +33.2% +9.6%
Intangible assets -10.6% +11.7% +4.7% +11.6% +10.8%
Other assets -8.1% +19.1% +61.5% +81.3% +4.5%
Total assets +13.4% +14.3% +27.6% +23.6% +22.5%
Liabilities
Deposits +36.7% +2.5% +30.3% +21.4% +19.1%
Borrowings -48.3% +70.8% +7.1% +35.7% +67.7%
Total liabilities +13.9% +13.8% +27.5% +24.9% +23.7%
Equity
Share capital 0.0% 0.0% 0.0% 0.0% 0.0%
Equity attributable to shareholders +7.1% +20.9% +28.8% +6.8% +9.8%
Total equity +7.1% +20.9% +28.8% +6.8% +9.8%
Total liabilities & equity +13.4% +14.3% +27.6% +23.6% +22.5%
Key figures
Gross advances +34.4% +12.4% +27.0% +13.7% +24.1%
Provision against advances -14.3% +104.7% +3.7% -5.7% -5.0%
Advances to deposits (ADR) — — — — —
Shares outstanding — — — — —
Common equity +7.1% +20.9% +28.8% +6.8% +9.8%
Book value per share (Rs) +7.1% +20.9% +28.8% +6.8% +9.8%

Change against the previous fiscal year; shown when the earlier figure is positive.

FABL balance sheet — common size (Rs mn)
Rs mn FY2025 * Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 6.2% 6.9% 6.3% 5.5% 7.2%
Lendings to financial institutions 0.0% 0.0% 0.0% 0.9% 0.0%
Investments 35.8% 43.3% 42.8% 43.5% 41.1%
Advances (net) 49.1% 40.5% 42.3% 42.2% 45.4%
Fixed assets 3.9% 3.7% 2.9% 3.3% 3.0%
Intangible assets 0.1% 0.2% 0.2% 0.2% 0.2%
Other assets 4.0% 5.0% 4.8% 3.8% 2.6%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Deposits 80.3% 66.6% 74.3% 72.7% 74.0%
Borrowings 9.8% 21.4% 14.3% 17.0% 15.5%
Total liabilities 93.4% 93.0% 93.4% 93.4% 92.4%
Equity
Share capital 0.9% 1.0% 1.1% 1.4% 1.7%
Equity attributable to shareholders 6.6% 7.0% 6.6% 6.6% 7.6%
Total equity 6.6% 7.0% 6.6% 6.6% 7.6%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Gross advances 51.1% 43.1% 43.8% 44.0% 47.8%
Provision against advances 2.0% 2.6% 1.5% 1.8% 2.4%
Common equity 6.6% 7.0% 6.6% 6.6% 7.6%

Each line as a percentage of total assets.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 194
FABL balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Cash & Short-Term Deposits Due from Banks - Total 110.7 108.1 85.8 59.5 62.9
Cash & Short-Term Deposits Due from Banks 38.3 37.8 21.8 21.7 19.6
Funds with Central Banks 72.5 70.3 64.0 37.8 43.3
Lending & Long-Term Deposits Due from Banks 0.0 0.0 0.0 9.9 0.0
Securities Borrowed — — — — —
Inter-Bank Loans & Long-Term Deposits with Other Banks 0.0 0.0 0.0 9.9 0.0
Money Market Placements — — — — —
Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets — — — — —
Loans & Receivables - Total 884.2 638.7 586.8 458.0 397.1
Securities Purchased under REPOs & Federal Funds Sold — — — — —
Receivables - Other 12.2 4.7 6.1 4.4 1.7
Securities Purchased under REPOs — — — — —
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 635.7 678.8 587.1 467.3 357.5
Banking Related Loans – Net 872.0 634.0 580.7 453.6 395.4
Loans - Gross 907.2 675.0 600.8 472.9 415.9
Investment Securities - Other — — — — —
Loans - Finance Lease & HP — — — 0.5 0.5
Loans - Commercial & Industrial 10.0 13.7 15.9 30.9 61.0
Loans - to Customers - Other - Gross 897.2 661.3 584.9 441.6 354.4
Investments - Other - Total — — — — —
Loans - Foreign — — — — —
Investments - Total 635.7 678.8 587.1 467.3 357.5
Reserves for Loan Losses 35.2 41.0 20.1 19.3 20.5
Investment Securities - Held for Trading 3.2 3.3 0.6 0.6 14.4
Investment Securities Available for Sale & Held to Maturity 632.5 675.5 586.5 466.6 343.2
Property, Plant & Equipment - Net - Total 68.9 58.3 40.4 35.2 26.4
Property, Plant & Equipment - Gross - Total 87.6 74.6 61.4 52.4 41.1
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total 18.8 16.3 21.0 17.2 14.7
Investment Securities - Available for Sale - Total 632.5 675.5 579.8 461.8 336.5
Mortgage Backed Securities - Available for Sale/Held to Maturity 6.7 54.7 56.5 54.7 59.6
Government Securities - Available for Sale/Held to Maturity 612.4 610.6 524.1 402.3 275.1
Other Assets - Total 71.4 77.7 65.3 40.4 22.3
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries 3.6 2.8 3.4 2.4 1.6
Deferred Tax - Asset - Long-Term & Short-Term 0.0 0.0 0.0 0.0 0.0
Prepaid Expenses - Total 41.8 46.5 46.0 28.0 11.6
Other Assets 29.5 31.2 19.2 12.4 10.7
Intangible Assets - Total - Net 2.4 2.7 2.5 2.3 2.1
Pension Benefits - Overfunded - Total 0.2 0.0 0.1 — —
Intangible Assets - excluding Goodwill - Net - Total 2.4 2.7 2.5 2.1 1.9
Intangible Assets - Gross - Total 9.0 8.7 7.9 7.1 6.5
Intangible Assets - excluding Goodwill - Gross 8.8 8.4 7.6 6.9 6.3
Goodwill/Cost in Excess of Assets Purchased - Net 0.0 0.0 0.0 0.2 0.2
Intangible Assets - Accumulated Amortization & Impairment - Total 6.6 5.9 5.4 4.8 4.5
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total 6.4 5.7 5.2 4.8 4.5
Computer Software - Intangible Assets - Net 1.7 1.5 1.2 0.8 0.6
Intangible Assets - Other - Net 0.7 1.1 1.2 1.2 1.1
Goodwill/Cost in Excess of Assets Purchased - Gross 0.2 0.2 0.2 0.2 0.2
Computer Software - Intangible Assets - Gross 5.7 4.9 4.1 3.5 3.0
Intangible Assets - Other - Gross - Total 3.0 3.4 3.4 3.3 3.2
Goodwill - Accumulated Amortization & Impairment 0.2 0.2 0.2 0.0 0.0
Computer Software - Intangible Assets - Accumulated Amortization & Impairment 4.0 3.4 3.0 2.7 2.4
Intangible Assets - Other - Accumulated Amortization & Impairment 2.3 2.3 2.2 2.1 2.0
Total Assets 1,777.0 1,567.2 1,371.3 1,075.0 870.0
Deposits - Total 1,426.8 1,044.0 1,018.3 781.6 644.0
Debt - Total 173.5 335.2 196.3 183.3 135.0
Short-Term Debt & Current Portion of Long-Term Debt 37.3 125.7 25.8 57.0 48.4
Deposits - Customers - Total 1,081.0 840.4 827.9 653.4 585.6
Deposits - Demand -Customer 443.7 332.5 302.1 259.8 209.2
Deposits - Savings - Customer 625.4 496.4 513.6 385.8 372.8
Deposits - Other - Customer 11.9 11.5 12.2 7.9 3.6
Deposits - Due to Banks & Financial Institutions 345.8 203.6 190.3 128.1 58.4
Deposits - Demand Deposits - Due to Banks & Financial Institutions 80.0 64.1 12.0 9.5 1.8
Deposits - Savings - Due to Banks & Financial Institutions 265.8 139.5 178.3 118.6 56.7
Deposits - Other - Due to Banks & Financial Institutions — — — — —
Current Portion of Long-Term Debt including Capitalized Leases 3.6 85.7 7.1 28.8 1.5
Trading Liabilities 0.6 1.9 2.3 1.6 2.0
Capitalized Leases - Current Portion 0.1 0.0 0.2 0.1 0.0
Short-Term Debt & Notes Payable 33.7 40.0 18.7 28.3 46.9
Debt - Long-Term - Total 136.2 209.5 170.5 126.2 86.6
Short-Term Banking Borrowings excluding Collateralized Financing 33.7 40.0 18.7 23.0 27.2
Collateralized Financing Agreements, REPO Financing Loans - Liabilities — — 0.0 5.3 19.7
Securities Sold under Repurchase Agreements & Federal Funds Purchased — — 0.0 5.3 19.7
Securities Sold under Repurchase Agreements — — 0.0 5.3 19.7
Current Portion of Long-Term Debt excluding Capitalized Leases 3.5 85.7 6.9 28.6 1.5
Capitalized Lease Obligations - Long-Term 18.5 15.5 12.6 11.7 9.7
Long-Term Debt excluding Capitalized Leases 117.7 194.0 157.9 114.5 76.9
Debt - Non-Convertible - Long-Term 117.7 194.0 157.9 114.5 76.9
Dividends Payable 0.7 0.5 0.3 0.3 0.1
Deferred Tax & Investment Tax Credits - Long-Term 5.2 13.1 4.9 0.7 0.6
Deferred Tax - Liability - Long-Term 5.2 13.1 4.9 0.7 0.6
Payables & Accrued Expenses 17.1 20.5 20.8 10.9 5.6
Accrued Expenses 7.2 8.9 7.0 3.8 2.7
Junior Subordinated Debentures & Notes Payable - Trust Account 0.0 0.0 0.0 0.0 0.0
Other Liabilities - Total 35.1 41.9 37.4 26.1 16.6
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Net 0.1 0.1 0.1 0.1 0.1
Other Payables - Total 2.0 1.6 0.6 0.4 0.3
Other Liabilities - 32.8 39.7 35.8 25.1 15.6
Interest Payable 7.9 10.0 13.2 6.7 2.6
Provisions 0.2 0.3 0.1 0.1 0.1
Post Employment Benefits - Pension & Other 0.0 0.1 — — —
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Gross 0.1 0.1 0.1 0.1 0.1
Deferred Revenue/Income 2.1 1.9 1.5 1.0 0.9
Provisions - Other than Pension & Post Retirement 0.2 0.2 0.1 0.1 0.1
Licenses, Franchises, Copy/Property Rights, Prototypes, Contract Based, Models & Designs - Accumulated Amortization & Impairment 0.0 0.0 0.0 0.0 0.0
Total Liabilities 1,659.2 1,457.3 1,280.4 1,004.4 803.8
Shareholders' Equity - Attributable to Parent Shareholders - Total 117.8 109.9 90.9 70.6 66.1
Common Equity Attributable to Parent Shareholders 117.8 109.9 90.9 70.6 66.1
Common Equity - Contributed 15.2 15.2 15.2 15.2 15.2
Common Stock - Issued & Paid 15.2 15.2 15.2 15.2 15.2
Equity - Non-Contributed - Reserves & Retained Earnings 102.6 94.7 75.7 55.4 50.9
Retained Earnings - Total 85.4 72.0 60.6 44.8 43.9
Comprehensive Income - Accumulated - Total 17.2 22.8 15.2 10.7 7.1
Investments - Unrealized Gain/Loss 5.2 11.3 3.3 (1.8) 0.1
Other Reserves/Equity - Total — — — — —
Common Equity - Total 117.8 109.9 90.9 70.6 66.1
Common Stock - Additional Paid in Capital including Option Reserve 0.0 0.0 0.0 0.0 0.0
Minority Interest - Equity 0.0 0.0 0.0 0.0 0.0
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 117.8 109.9 90.9 70.6 66.1
Total Liabilities & Equity 1,777.0 1,567.2 1,371.3 1,075.0 870.0
Revaluation Reserves 11.9 11.5 11.8 12.5 6.9
Common Shares - Issued - Total mn 1,517.7 1,517.7 1,517.7 1,517.7 1,517.7
Common Shares - Outstanding - Total mn 1,517.7 1,517.7 1,517.7 1,517.7 1,517.7
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 2,200.0 2,200.0 2,200.0 2,200.0 2,200.0
Common Shares - Issued - Issue Specific mn 1,517.7 1,517.7 1,517.7 1,517.7 1,517.7
Common Shares - Outstanding - Issue Specific mn 1,517.7 1,517.7 1,517.7 1,517.7 1,517.7
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 15.4 13.3 10.8 10.3 8.7
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 15.4 13.3 10.8 10.3 8.7
Right of Use Tangible Assets - Total - Gross - Supplemental — — 18.7 16.4 13.1
Right of Use Tangible Assets - Capital/Finance Lease - Gross - Supplemental — — 18.7 16.4 13.1
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 53.5 45.0 29.6 24.9 17.7
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Gross - Supplemental — — 42.6 35.9 28.0
Finance and Operating Lease Liabilities - Total - Supplemental 18.5 15.6 12.9 11.8 9.7
Debt including Finance and Operating Lease Liabilities - Supplemental 173.5 335.2 196.3 183.3 135.0
Net Debt 62.7 227.1 110.5 123.8 72.1
Islamic Financing Assets - Total 897.2 661.3 584.9 441.6 354.4
Islamic Investments - Total — — — — —
Islamic Debt - Long-Term & Short-Term 60.2 156.8 87.8 111.8 75.7
Islamic Debt & Deposits - Total 60.2 156.8 87.8 111.8 75.7
Debt - Long-Term - Maturities - Total — — — — —
Debt - Long-Term - Maturities - within 1 Year — — — — —
Debt - Long-Term - Maturities - Year 2 — — — — —
Debt - Long-Term - Maturities - Year 3 — — — — —
Debt - Long-Term - Maturities - Year 5 — — — — —
Debt - Long-Term - Maturities - Year 10 — — — — —
Debt - Long-Term - Maturities - Remaining — — — — —
Debt - Long-Term - Maturities - 2-3 Years — — — — —
Capital Lease Maturities - Total 18.5 15.6 12.9 11.8 9.7
Debt - Long-Term - Maturities - 4-5 Years — — — — —
Capital Lease Maturities - Due within 1 Year 0.1 0.0 0.2 0.1 0.0
Debt - Long-Term - Maturities - Year 6 & Beyond — — — — —
Capital Lease Maturities - Due in Year 3 0.8 0.6 0.7 0.4 0.2
Capital Lease Maturities - Due in Year 2 0.3 0.3 0.2 0.1 0.2
Capital Lease Maturities - Due in Year 5 2.9 2.1 2.0 1.6 1.7
Capital Lease Maturities - Due in Year 10 — 11.1 — — —
Capital Lease Maturities - Remaining Maturities 14.4 1.4 9.7 9.5 7.6
Capital Lease Maturities - Due in 4-5 Years 2.9 2.1 2.0 1.6 1.7
Capital Lease Maturities - Due in 2-3 Years 1.2 0.9 0.9 0.6 0.4
Capital Lease Maturities - Due in Year 6 & Beyond 14.4 12.6 9.7 9.5 7.6
Minority Interest - Total 0.0 0.0 0.0 0.0 0.0
Asset Accruals (31.5) (32.3) (20.0) (18.3) (15.2)
Cash & Cash Equivalents - Total 110.7 108.1 85.8 59.5 62.9
Cash & Securities 746.4 787.0 672.9 526.7 420.5
Cash & Short Term Investments - Total 110.7 108.1 85.8 59.5 62.9
Debt - including Preferred Equity & Minority Interest - Total 173.5 335.2 196.3 183.3 135.0
Earning Assets 1,618.5 1,421.0 1,253.6 990.3 815.9
Demand Deposits - Total 523.7 396.6 314.1 269.3 211.0
Invested Assets - Total 635.7 678.8 587.1 467.3 357.5
Right of Use Tangible Assets - Total - Accumulated Depreciation - Supplemental — — 8.0 6.1 4.4
Investment Securities 635.7 678.8 587.1 467.3 357.5
Investments - Permanent 3.6 2.8 3.4 2.4 1.6
Net Book Capital 180.5 337.0 201.4 194.4 138.2
Right of Use Tangible Assets - Capital/Finance Lease - Accumulated Depreciation - Supplemental — — 8.0 6.1 4.4
Net Operating Assets 180.5 337.0 201.4 194.4 138.2
Provisions - Total 5.4 13.4 5.1 0.8 0.7
Shareholders Equity - Common 117.8 109.9 90.9 70.6 66.1
Savings Deposits - Total 891.2 635.9 691.9 504.4 429.5
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Accumulated Depreciation - Supplemental — — 13.0 11.1 10.3
Tangible Total Equity 115.3 107.2 88.5 68.3 64.0
Tangible Book Value 115.3 107.2 88.5 68.3 64.0
Total Book Capital 291.2 445.1 287.2 253.9 201.2
Total Capital 291.2 445.1 287.2 253.9 201.2
Total Long Term Capital 117.8 109.9 90.9 70.6 66.1
Trading Account 3.8 5.3 2.9 2.2 16.3
Unearned Revenue - Total 2.1 1.9 1.5 1.0 0.9
Book Value excluding Other Equity 117.8 109.9 90.9 70.6 66.1
Income Taxes - Payable - Long-Term & Short-Term 0.3 0.2 — — —
Cash & Short Term Investments - Net of Debt (62.7) (227.1) (110.5) (123.8) (72.1)
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 3.6 85.7 7.1 28.8 1.5
Interest Bearing Liabilities - Total 1,600.3 1,379.2 1,214.6 964.8 779.1
Net Debt Including Preferred Equity & Minority Interest 62.7 227.1 110.5 123.8 72.1
Other Short-Term & Long-Term Assets - Total 71.4 77.7 65.3 40.4 22.3
Other Short-Term & Long-Term Liabilities - Total 32.8 39.7 35.8 25.1 15.6
Tangible Book Value excluding Other Equity 115.3 107.2 88.5 68.3 64.0
Total Debt Excluding Islamic 113.2 178.4 108.5 71.5 59.4
Reserves for Loan Losses - Total 35.2 41.0 20.1 19.3 20.5
Total Available Funds 1,544.6 1,153.9 1,109.2 852.2 710.2
Loans - Gross – Total 907.2 675.0 600.8 473.0 415.9
Deposits - Net 1,081.0 840.4 827.9 653.4 585.6
Loans - Net - Total 872.0 634.0 580.7 463.5 395.4
Tangible Book Value & Reserves for Loan Losses - Total 150.5 148.2 108.5 87.6 84.5
Cash in Hand & with Banks - Total 31.5 32.3 20.0 18.3 15.2

Every line the company reported, in the original order and wording, without regrouping or signs changed.