FABL Faysal Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 91.49 +0.10%
Financials
Faysal Bank Limited (FABL) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
Faysal Bank Limited (FABL) reported total income of Rs 101.1 bn for FY2025 (Jan – Dec 2025), up 1.2% from FY2024.
Profit attributable to shareholders was Rs 22.5 bn (EPS Rs 14.80), down 6.0%.
It declared a dividend of Rs 6.50 per share for FY2025 and has paid a dividend in each of the last 5 years.
Deposits stood at Rs 1.43 tn and net advances at Rs 872.0 bn, an advances-to-deposits ratio of 61.1%.
Return on equity was 19.7%.
Over the last five years total income grew at a compound 25.3% a year.
At Rs 91.49 (close on 16 Oct 2026) the shares trade at 6.1× earnings (TTM to Jun 2026) and 1.18× book value, with a dividend yield of 7.1%.
Fundamentals
FABL at a glance
Total income · FY2025
Rs 101.1 bn
▲ 1.2% year on year
Profit attributable to shareholders · FY2025
Rs 22.5 bn
▼ 6.0% year on year
EPS – basic (Rs) · FY2025
Rs 14.80
▼ 6.0% year on year
Dividend per share (Rs) · FY2025
Rs 6.50
▼ 7.1% year on year
Deposits · FY2025
Rs 1.43 tn
▲ 36.7% year on year
Return on equity (ROE) · FY2025
19.7%
-4.1 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 101.1 bn
- Profit attributable · FY2025
- Rs 22.5 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 1.78 tn
- Equity · FY2025
- Rs 117.8 bn
Financial highlights
FABL financial results
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 70.2 | 80.9 | 71.4 | 40.5 | 26.3 | 24.8 | 21.6 | 16.4 | 14.1 | 12.3 |
| Total non-interest income | 30.9 | 18.9 | 12.6 | 8.9 | 8.3 | 7.9 | 6.8 | 6.3 | 5.4 | 5.9 |
| Total income | 101.1 | 99.9 | 84.0 | 49.4 | 34.6 | 32.7 | 28.3 | 22.7 | 19.5 | 18.2 |
| Operating expenses | (54.3) | (48.9) | (41.5) | (27.0) | (21.3) | (22.1) | (17.9) | (14.4) | (12.0) | (11.6) |
| Provisions & impairment (loans) | (3.9) | (2.3) | 0.3 | (0.7) | 0.4 | 2.2 | 0.6 | (0.5) | (0.7) | 0.6 |
| Profit before tax | 48.3 | 51.8 | 41.8 | 22.7 | 13.7 | 10.9 | 10.2 | 8.2 | 7.3 | 6.7 |
| Profit attributable to shareholders | 22.5 | 23.9 | 20.2 | 11.4 | 8.4 | 6.7 | 6.0 | 4.8 | 4.5 | 4.3 |
| EPS – basic (Rs) Rs | 14.80 | 15.74 | 13.34 | 7.54 | 5.50 | 4.40 | 3.96 | 3.18 | 2.97 | 2.83 |
| Dividend per share (Rs) Rs | 6.50 | 7.00 | 4.00 | 7.00 | 1.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Advances (net) | 872.0 | 634.0 | 580.7 | 453.6 | 395.4 | 313.5 | 303.2 | 291.0 | 225.3 | 204.8 |
| Deposits | 1,426.8 | 1,044.0 | 1,018.3 | 781.6 | 644.0 | 540.6 | 457.8 | 409.4 | 374.6 | 339.6 |
| Total assets | 1,777.0 | 1,567.2 | 1,371.3 | 1,075.0 | 870.0 | 710.1 | 629.9 | 599.9 | 494.9 | 452.0 |
| Equity attributable to shareholders | 117.8 | 109.9 | 90.9 | 70.6 | 66.1 | 60.2 | 55.2 | 43.5 | 39.2 | 35.0 |
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 69.0 | 17.7 | 15.8 | 17.8 | 17.7 | 17.4 | 17.3 | 20.7 | 21.7 |
| Total non-interest income | 37.1 | 6.7 | 9.4 | 13.0 | 8.0 | 6.1 | 5.5 | 5.8 | 3.8 |
| Total income | 106.1 | 24.4 | 25.2 | 30.8 | 25.7 | 23.5 | 22.7 | 26.5 | 25.5 |
| Operating expenses | (59.5) | (14.6) | (14.3) | (16.4) | (14.1) | (12.5) | (12.4) | (14.7) | (12.4) |
| Provisions & impairment (loans) | (2.1) | (0.3) | (0.5) | (0.7) | (0.7) | (1.2) | (1.4) | (0.7) | (0.6) |
| Profit before tax | 47.5 | 10.0 | 11.0 | 14.6 | 11.9 | 11.1 | 11.5 | 12.2 | 13.2 |
| Profit attributable to shareholders | 22.8 | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| EPS – basic (Rs) Rs | 15.03 | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 |
| Dividend per share (Rs) Rs | 6.50 | 1.50 | 1.50 | 2.00 | 1.50 | 1.50 | 1.50 | 2.50 | 1.50 |
| Advances (net) | 807.3 | 807.3 | 775.5 | 872.0 | 725.9 | 719.5 | 643.7 | 634.0 | 508.0 |
| Deposits | 1,562.0 | 1,562.0 | 1,328.5 | 1,426.8 | 1,275.0 | 1,243.4 | 1,112.9 | 1,044.0 | 1,164.1 |
| Total assets | 1,854.7 | 1,854.7 | 1,725.0 | 1,777.0 | 1,691.2 | 1,681.2 | 1,594.9 | 1,567.2 | 1,448.8 |
| Equity attributable to shareholders | 117.7 | 117.7 | 113.8 | 117.8 | 114.4 | 112.3 | 107.8 | 109.9 | 105.1 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. * Some FY2025 figures do not fully reconcile in the source data. Updated 16 Oct 2026.