Faysal Bank Limited (FABL) posted a consolidated profit after tax of Rs22.47 billion for the year ended December 31, 2025, reflecting a nearly 6% decline compared to Rs23.89 billion earned in the same period last year.
According to financial results submitted to the Pakistan Stock Exchange (PSX) on Thursday, the bank recorded earnings per share (EPS) of Rs14.80, down from Rs15.74 in the same period last year (SPLY).
The Board of Directors also announced a final cash dividend of Rs2 per share (20%) for the year ended December 31, 2025. This is in addition to the 15% interim cash dividends already paid for each of the first three quarters ended March 31, June 30, and September 30, 2025.
Net profit/return declined by more than 13% to Rs69.69 billion in 2025, compared to Rs80.56 billion in 2024. Profit before tax stood at Rs48.27 billion, marking a decrease of nearly 7% year-on-year. The bank paid Rs25.8 billion in taxes during the period.
However, non-markup income showed significant improvement, rising 65% to Rs32.37 billion in 2025 from Rs19.62 billion in the previous year.
On the balance sheet side, total assets increased to Rs1.8 trillion, driven by strong growth in deposits. Total deposits surged 36.7% year-on-year to Rs1.43 trillion, with market share improving to 3.81% from 3.45%.
Current accounts expanded 31.3% to Rs536 billion. Net financing grew 37.6% to Rs872 billion, lifting the bank’s market share in financing to 6.1% from 4.2%, while the Advances-to-Deposits Ratio (ADR) strengthened to 61.1%.
The bank’s Capital Adequacy Ratio (CAR) stood at 14.0%, remaining comfortably above regulatory thresholds. Asset quality also improved, with the infection ratio declining to 2.3% from 3.6% a year earlier.
Chairman Mian Muhammad Younis said the results reflect the strength of FABL’s Islamic banking foundation, strategic direction, and customer trust.
President and CEO Yousaf Hussain added that FABL remains focused on innovation, prudent risk management, and sustainable growth through continued investment in its network, digital capabilities, and human capital.
