Faysal Bank Limited (FBL), one of Pakistan’s leading Islamic financial institutions, has announced its financial results for the first quarter of 2025, demonstrating robust performance amid a challenging economic environment. On a standalone basis, the bank reported a profit before tax (PBT) of PKR 11.1 billion, while net profit stood at PKR 5.1 billion, reflecting the strength of its Shariah-compliant banking model and strategic resilience.
Despite facing external headwinds such as a reduction in the policy rate and an increase in the corporate tax rate from 49% to 53%, FBL has maintained operational stability. The bank’s Earnings Per Share (EPS) decreased from PKR 4.29 to PKR 3.39, but shareholders were rewarded with an interim cash dividend of Rs 1.5 per share, or 15%, reflecting the management’s continued commitment to delivering shareholder value.
FBL’s total assets reached PKR 1.6 trillion, underpinned by deposits of PKR 1.1 trillion and a net financing portfolio exceeding PKR 643 billion. With an Advance to Deposit Ratio (ADR) of 57.8%, the bank maintains a healthy lending stance. Additionally, its Capital Adequacy Ratio (CAR) stood strong at 16.6%, well above the regulatory threshold, reinforcing its financial soundness and prudent risk management practices.
This solid performance underscores FBL’s robust business fundamentals and the strategic execution of its Islamic banking vision. The bank’s leadership credits this progress to its strong governance, client trust, and emphasis on technological innovation and customer-centric service delivery.
Mian Muhammad Younis, Chairman of Faysal Bank, remarked on the performance, saying, “Alhamdulillah, the results of the first quarter of 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.”
Yousaf Hussain, President & CEO of FBL, emphasized the Bank’s resilience and purpose-driven mission, stating, “The positive momentum we have brought into 2025 is a strong reflection of the resilience and depth of our purpose-driven Islamic banking model. By the Grace of Almighty Allah, our continued emphasis on delivering innovative, Shariah-compliant solutions, complemented by trusted customer relationships, and service excellence remains central to our success.”
He further highlighted the Bank’s plans to invest strategically in expanding its branch network, enhancing digital capabilities, and developing human capital—all essential pillars for sustainable growth in an evolving financial landscape.
FBL’s performance in Q1 2025 comes at a time when the banking sector is increasingly leaning into digital transformation and sustainable finance, especially in the Islamic banking segment. The bank’s ongoing initiatives underscore its focus on merging faith-based finance with modern banking technologies, aiming to cater to a broader customer base while maintaining ethical and Shariah-aligned practices.
As Faysal Bank continues to evolve, it remains committed to deepening financial inclusion, expanding access to innovative Islamic banking services, and fostering long-term stakeholder value—solidifying its place as a modern Islamic bank with a progressive outlook.