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Commercial Banks

FABL Faysal Bank Limited

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

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Last close · 16 Oct 2026

Rs 91.49 +0.10%

Annual · FY2006 – FY2025

Faysal Bank Limited (FABL) income statement

Faysal Bank Limited reported total income of Rs 101.1 bn for FY2025 (Jan – Dec 2025), up 1.2% on FY2024. Net interest income was Rs 70.2 bn, down 13.3% on FY2024, with non-interest income of Rs 30.9 bn. Tax of Rs 25.8 bn took 53.5% of pre-tax profit. Profit attributable to shareholders was Rs 22.5 bn, down 6.0% on FY2024, or Rs 14.80 per share.

FABL income statement (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
Interest & dividend income 166.5 225.5 189.8 105.0 54.3
Interest expense (96.3) (144.6) (118.4) (64.5) (28.0)
Net interest income 70.2 80.9 71.4 40.5 26.3
Fee & commission income (net) 15.1 12.9 5.4 7.3 5.7
Foreign exchange income 7.9 5.3 4.8 2.8 2.4
Gain / (loss) on securities 7.8 0.9 2.3 (1.5) 0.3
Total non-interest income 30.9 18.9 12.6 8.9 8.3
Total income 101.1 99.9 84.0 49.4 34.6
Operating expenses (54.3) (48.9) (41.5) (27.0) (21.3)
Provisions & impairment (loans) (3.9) (2.3) 0.3 (0.7) 0.4
Profit before tax 48.3 51.8 41.8 22.7 13.7
Taxation (25.8) (27.9) (21.6) (11.3) (5.3)
Profit after tax 22.5 23.9 20.2 11.4 8.4
Profit attributable to shareholders 22.5 23.9 20.2 11.4 8.4
Per share
EPS – basic (Rs) Rs 14.80 15.74 13.34 7.54 5.50
EPS – diluted (Rs) Rs 14.80 15.74 13.34 7.54 5.50
Dividend per share (Rs) Rs 6.50 7.00 4.00 7.00 1.50
Weighted average shares mn 1,517.7 1,517.7 1,517.7 1,517.7 1,518.7
FABL income statement — 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
Interest & dividend income -26.2% +18.8% +80.7% +93.4% -3.4%
Interest expense -33.4% +22.1% +83.4% +130.2% -10.7%
Net interest income -13.3% +13.4% +76.3% +54.2% +5.8%
Fee & commission income (net) +17.5% +137.4% -26.0% +29.6% +27.4%
Foreign exchange income +48.2% +12.2% +67.0% +19.7% +13.7%
Gain / (loss) on securities +794.1% -62.2% — -611.9% -77.8%
Total non-interest income +63.0% +50.5% +41.7% +7.0% +5.2%
Total income +1.2% +18.9% +70.1% +42.8% +5.7%
Operating expenses +11.1% +17.7% +53.8% +26.6% -3.3%
Provisions & impairment (loans) — -821.6% — -294.7% -83.7%
Profit before tax -6.7% +23.7% +84.4% +65.7% +25.7%
Taxation -7.4% +29.0% +92.0% +110.7% +26.8%
Profit after tax -6.0% +18.0% +77.0% +36.9% +25.0%
Profit attributable to shareholders -6.0% +18.0% +77.0% +36.9% +25.0%
Per share
EPS – basic (Rs) -6.0% +18.0% +77.0% +37.0% +24.9%
EPS – diluted (Rs) -6.0% +18.0% +77.0% +37.0% +24.9%
Dividend per share (Rs) -7.1% +75.0% -42.9% +366.7% —
Weighted average shares — — — — —

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

FABL income statement — 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
Interest & dividend income 164.7% 225.8% 226.0% 212.7% 157.1%
Interest expense (95.3%) (144.8%) (141.0%) (130.7%) (81.1%)
Net interest income 69.4% 81.0% 85.0% 82.0% 76.0%
Fee & commission income (net) 15.0% 12.9% 6.5% 14.8% 16.4%
Foreign exchange income 7.8% 5.3% 5.7% 5.8% 6.9%
Gain / (loss) on securities 7.8% 0.9% 2.8% (3.0%) 0.8%
Total non-interest income 30.6% 19.0% 15.0% 18.0% 24.0%
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (53.7%) (48.9%) (49.5%) (54.7%) (61.7%)
Provisions & impairment (loans) (3.9%) (2.3%) 0.4% (1.4%) 1.1%
Profit before tax 47.8% 51.8% 49.8% 45.9% 39.6%
Taxation (25.5%) (27.9%) (25.7%) (22.8%) (15.4%)
Profit after tax 22.2% 23.9% 24.1% 23.2% 24.2%
Profit attributable to shareholders 22.2% 23.9% 24.1% 23.2% 24.2%

Each line as a percentage of total income.

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 167
FABL income statement — 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
Interest & Dividend Income/(Expense) - Net - Finance 70.2 80.9 71.4 40.5 26.3
Interest & Dividend Income - Finance - Total 166.5 225.5 189.8 105.0 54.3
Interest Income - Loans/Deposits 83.2 103.1 93.8 55.1 29.7
Interest & Fees on Loans & Receivables 83.2 103.1 93.8 54.5 29.5
Interest Income - Deposits to Other Financial Institutions 0.0 0.0 0.0 0.0 0.0
Interest & Dividend Income - Other - Finance 0.5 0.4 0.3 0.5 0.4
Interest Income - Collateralized Financing — 0.0 0.0 0.5 0.2
Interest & Dividend Income - Investment Securities - Finance 82.7 122.1 95.6 49.5 24.2
Net Commission & Fees Income/Expense - Business Revenue 15.1 12.9 5.4 7.3 5.7
Fees & Commissions Income 15.8 13.0 5.5 7.4 5.8
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 82.7 122.1 95.6 49.5 24.2
Fees & Commissions Expense 0.7 0.1 0.1 0.1 0.1
Investments & Loans - Business - Gain/(Loss) 7.8 0.7 2.4 (1.3) 0.3
Interest Expense - Finance - Total 96.3 144.6 118.4 64.5 28.0
Interest Expense - Operational Financing - Business 66.8 116.4 93.5 59.1 25.6
Interest Expense - Deposits 63.5 110.4 87.6 43.6 20.6
Investment Securities - Business - Gain/(Loss) 7.8 0.9 2.3 (1.5) 0.3
Interest Expense - Collateralized Financing — — 0.1 11.8 2.1
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 8.2 1.0 (1.8) (1.5) 0.3
Interest Expenses - Other - Total 3.2 6.1 5.7 3.8 2.9
Interest Expense - External Financing Business 29.5 28.2 24.9 5.4 2.5
Non-Interest Business Revenue/(Expense) - Net - Total 30.9 18.9 12.6 8.9 8.3
Revenue from Business-Related Activities - Other - Total — — — — —
Derivatives - Hedging - Business - Gain/(Loss) 0.0 (0.1) 0.1 0.2 (0.0)
Net Foreign Exchange Income/(Expense) - Business Revenue 7.9 5.3 4.8 2.8 2.4
Trading Investments/Trading Account Income - Gain/(Loss) — 0.0 0.0 0.0 (0.0)
Trading Investments - Unrealized Gain/(Loss) — 0.0 0.0 0.0 (0.0)
Investment Securities - Business Unclassified - Gain/(Loss) — — 4.1 — —
Investment Gain/(Loss) - Other (0.3) (0.2) — — —
Revenue from Business Activities - Total 101.1 99.9 84.0 49.4 34.6
Selling, General & Administrative Expenses - Total 57.2 50.1 39.6 26.6 20.3
Selling, General & Administrative Expenses - Unclassified 23.1 20.0 15.6 10.3 7.6
Depreciation in Selling, General & Administrative Expenses 7.6 5.4 4.1 3.1 2.9
Amortization of Intangibles in Selling, General & Administrative Expenses 0.6 0.4 0.3 0.2 0.1
Other Operating Expense/(Income) - Net 1.0 1.1 1.6 1.1 0.7
Other Operating Income - Total 0.1 0.0 0.0 0.0 0.0
Operating Expenses - Total 54.3 48.9 41.5 27.0 21.3
Provision & Impairment for Loan Losses (3.9) (2.3) 0.3 (0.7) 0.4
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 21.8 21.1 17.3 11.5 8.6
Selling, General & Administrative Expenses - Other - Total 4.0 3.1 2.4 1.5 1.0
Advertising Expense 3.4 2.7 2.1 1.1 0.6
Rental Expense 0.6 0.4 0.3 0.3 0.4
Operating Profit before Non-Recurring Income/(Expense) 46.8 51.0 42.5 22.4 13.2
Other Operating Expense 1.1 1.1 1.5 1.2 0.7
Operating Provisions - Increase/(Decrease) 0.1 0.0 0.1 (0.1) 0.0
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.2 0.1 0.0 0.1 0.1
Equity Earnings/(Loss) - before Taxes including Non-Recurring 0.3 0.4 0.2 0.1 0.1
Other Non-Operating Income/(Expense) - Total — — — — —
Sale of Leased Fixed Assets - Gain/(Loss) 0.0 0.1 — — —
Normalized Pre-tax Profit 47.2 51.6 42.6 22.5 13.4
Non-Recurring Income/Expense - Total 1.1 0.2 (0.8) 0.2 0.3
Impairment - Tangible & Intangible Fixed Assets — 0.0 0.2 — —
Impairment - Fixed Assets — — — — —
Impairment - Financial Investments (1.1) (0.2) 0.5 (0.2) (0.3)
Restructuring Charges — — — — —
Fair Value Adjustments - Financial Investments — — — — —
Non-Recurring Income/(Expense) - Other - Total — — 0.0 0.0 0.0
Provision for Income Tax Expense- Unclassified — — — — —
Income before Taxes 48.3 51.8 41.8 22.7 13.7
Income Taxes 25.8 27.9 21.6 11.3 5.3
Impairment - Goodwill — 0.0 0.2 — —
Income Taxes for the Year - Current 25.2 26.2 21.5 11.2 5.2
Income Taxes - Domestic - Current — — — — —
Income Taxes - Other (KFAS/NLST) - Current — — — — —
Income Taxes - Deferred (1.7) 1.7 (0.7) 1.1 0.1
Income Taxes - Other - Deferred — — — — —
Income Taxes - Other (by Type) 2.3 0.0 0.7 (1.0) 0.1
Net Income after Tax 22.5 23.9 20.2 11.4 8.4
Income before Discontinued Operations & Extraordinary Items 22.5 23.9 20.2 11.4 8.4
Net Income before Minority Interest 22.5 23.9 20.2 11.4 8.4
Minority Interest 0.0 0.0 0.0 0.0 0.0
Net Income after Minority Interest 22.5 23.9 20.2 11.4 8.4
Income Available to Common Shares 22.5 23.9 20.2 11.4 8.4
Extraordinary Activities - after Tax - Gain/(Loss) — — — — —
Discontinued Operations - Net of Taxes - Total - Income/(Expense) — — — — —
Other Comprehensive Income - Starting Line 22.5 23.9 20.2 11.4 8.4
Discontinued Operations - Net - Income/(Expense) — — — — —
Other Comprehensive Income - Unrealized Investment Gain/(Loss) (6.5) 9.0 5.2 (1.9) (1.7)
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets 1.0 (0.2) (0.5) 5.6 —
Other Comprehensive Income - Pension Related 0.1 (0.1) 0.0 0.0 0.0
Other Comprehensive Income - Net of Tax - Total (5.4) 8.8 4.7 3.7 (1.6)
Comprehensive Income before Minority Interest - Total 17.0 32.7 24.9 15.2 6.7
Comprehensive Income - Attributable to Minority Interest - Total 0.0 0.0 0.0 0.0 0.0
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 17.0 32.7 24.9 15.2 6.7
Earnings Adjustments to Net Income - Other Expense/(Income) — — — — —
DPS - Common - Gross - Issue - By Period End Date Rs 6.50 7.00 4.00 7.00 1.50
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 22.5 23.9 20.2 11.4 8.4
Income available to Common excluding Extraordinary Items 22.5 23.9 20.2 11.4 8.4
Shares used to calculate Basic EPS - Total mn 1,517.7 1,517.7 1,517.7 1,517.7 1,518.7
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 14.80 15.74 13.34 7.54 5.50
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 14.80 15.74 13.34 7.54 5.50
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 14.10 15.62 13.86 7.43 5.29
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 22.5 23.9 20.2 11.4 8.4
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 1,517.7 1,517.7 1,517.7 1,517.7 1,518.7
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 14.80 15.74 13.34 7.54 5.50
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 14.80 15.74 13.34 7.54 5.50
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 14.10 15.62 13.86 7.43 5.29
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs 11.22 21.53 16.43 10.00 4.43
Dilution Adjustment — — — — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 22.5 23.9 20.2 11.4 8.4
Diluted Income available to Common excluding Extraordinary Items 22.5 23.9 20.2 11.4 8.4
Shares used to calculate Diluted EPS - Total mn 1,517.7 1,517.7 1,517.7 1,517.7 1,518.7
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 14.80 15.74 13.34 7.54 5.50
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 14.80 15.74 13.34 7.54 5.50
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 14.10 15.62 13.86 7.43 5.29
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 22.5 23.9 20.2 11.4 8.4
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 1,517.7 1,517.7 1,517.7 1,517.7 1,518.7
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 14.80 15.74 13.34 7.54 5.50
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 14.80 15.74 13.34 7.54 5.50
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 14.10 15.62 13.86 7.43 5.29
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs 11.22 21.53 16.43 10.00 4.43
DPS - Common - Gross - Issue - By Announcement Date Rs 7.00 6.50 3.00 7.00 0.50
DPS - Common - Net - Issue - By Announcement Date Rs 6.30 5.85 2.70 6.30 0.45
Earnings before Interest & Taxes (EBIT) 46.8 51.0 42.5 22.4 13.2
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 55.1 57.0 46.9 25.8 16.4
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 55.7 57.4 47.2 26.1 16.8
Depreciation & Amortization - Supplemental 8.3 5.9 4.5 3.4 3.2
Depreciation Expense - Total - Supplemental 7.6 5.4 4.1 3.1 2.9
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 2.5 2.1 1.9 1.6 1.5
Amortization - Total - Supplemental 0.7 0.5 0.4 0.3 0.2
Intangible Amortization - Other - Supplemental 0.7 0.5 0.4 0.3 0.2
Amortization of Computer Software - Supplemental 0.6 0.4 0.3 0.2 0.1
Depreciation, Depletion & Amortization - Total 8.3 6.0 4.5 3.4 3.2
Depreciation - Total 7.6 5.4 4.1 3.1 2.9
Amortization of Intangible Assets including Goodwill - Total — — — — —
Amortization of Intangible Assets excluding Goodwill - Total 0.7 0.5 0.4 0.3 0.2
Labor & Related Expenses - Total 21.8 21.1 17.3 11.5 8.6
Labor & Related Expenses - Supplemental 21.8 21.1 17.3 11.5 8.6
Auditor Fees 0.1 0.1 0.0 0.1 0.0
Audit-Related Fees 0.1 0.0 0.0 0.0 0.0
Tax Fees — 0.0 0.0 0.0 0.0
Fees - Other 0.0 0.0 0.0 0.0 0.0
Normalized after Tax Profit 21.4 23.7 21.0 11.3 8.0
Normalized Net Income from Continuing Operations 21.4 23.7 21.0 11.3 8.0
Normalized Net Income - Bottom Line 21.4 23.7 21.0 11.3 8.0
Earnings before Interest & Taxes (EBIT) - Normalized 47.2 51.6 42.6 22.5 13.4
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 55.5 57.5 47.1 25.9 16.5
Loan Losses - Net (0.4) (0.3) (0.3) 0.4 1.9
Loan Recoveries - Actual 0.4 0.3 0.5 0.4 0.0
Loan Losses - Actual 0.0 0.0 0.1 0.8 1.9
Interest Expense on Financial Lease Liabilities - Supplemental 2.2 1.9 1.5 1.3 1.3
Rental/Operating Lease Expense 0.6 0.4 0.3 0.3 0.4
Advertising Expenses - Supplemental 3.4 2.7 2.1 1.1 0.6
Interest Expense 96.3 144.6 118.4 64.5 28.0
Interest & Dividend Income after Loan Loss Provision - Net - Finance 74.1 83.2 71.1 41.2 25.9
Commissions & Fees from Securities Activities 3.4 2.7 1.2 0.9 0.4
Revenue after Loan Provisions - Net - Finance 170.4 227.8 189.5 105.8 53.9
Operating Expenses 54.3 48.9 41.5 27.0 21.3
Foreign Exchange Gain/(Loss) 7.9 5.3 4.8 2.8 2.4
Selling, General & Administrative Expenses excluding Research & Development Expenses 57.2 50.1 39.6 26.6 20.3
Investment Gain/(Loss) 8.3 1.3 2.6 (1.0) 0.7
Non-Interest Expense - Bank 56.7 50.4 41.8 27.4 20.5
Income before Taxes & Provision for Loan Losses 44.4 49.5 42.2 22.0 14.1
DPS - Common - Gross - Issue - By Payable Date Rs 7.00 6.50 8.50 1.50 0.50
DPS - Common - Gross - Issue - By Ex Date Rs 7.00 6.50 3.00 7.00 0.50
Tax Adjusted Operating Income 22.5 23.9 20.2 11.4 8.4
Operating Expenses excluding Non-Cash Charges - Total 46.0 42.9 37.0 23.6 18.2
Revenue Net of Interest Expense Before Loan Loss Provision 101.1 99.9 84.0 49.4 34.6
Income from Earning Assets 182.2 231.7 196.9 106.4 57.0
Income Available to Common Shares before Depreciation & Amortization 30.8 29.9 24.7 14.9 11.5
Commissions and Fees 15.1 12.9 5.4 7.3 5.7
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 7.00 6.50 3.00 7.00 0.50

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