Faysal Bank Limited (FBL) has announced a robust financial performance for the nine months ending September 2025, reporting a profit before tax (PBT) of PKR 32.8 billion and a net profit of PKR 15 billion. The bank’s Earnings Per Share (EPS) stood at PKR 9.89, reflecting solid profitability and operational strength amid a challenging macroeconomic environment. The Board of Directors also declared an interim cash dividend of PKR 1.5 per share, equivalent to 15%, reinforcing its commitment to rewarding shareholders.
The bank’s balance sheet displayed continued resilience, with total assets reaching PKR 1.7 trillion, driven by healthy growth in deposits and financing. Deposit mobilization remained one of the key highlights of the period, with total deposits increasing by more than 22% over December 2024 to PKR 1.3 trillion. Current Accounts, a core component of low-cost funding, showed an impressive rise of nearly 30% over the past nine months, reaching PKR 528 billion as of September 2025. This upward trend reflects the bank’s success in expanding its customer base and deepening relationships through Shariah-compliant banking solutions.
Faysal Bank’s financing portfolio also witnessed strong momentum, growing by 14.5% to PKR 726 billion. The bank maintained a solid Capital Adequacy Ratio (CAR) of 16.0%, comfortably above the regulatory requirement, underscoring prudent capital management and sound risk governance. Notably, asset quality improved during the period, with the Non-Performing Loans (NPL) ratio declining to 2.9% compared to 3.6% at the end of December 2024 — a sign of effective credit risk management and a strengthened portfolio.
Commenting on the performance, Mr. Mian Muhammad Younis, Chairman of Faysal Bank Limited, said, “Alhamdulillah, our performance for the nine months ending September 2025 reflects the enduring strength and resilience of our Islamic banking model. These results are a direct outcome of the Board’s strategic foresight and the consistent efforts of our management team. We deeply appreciate the continued trust of our customers, who choose Faysal Bank as their preferred partner in Islamic finance.”
He emphasized that Faysal Bank’s growth continues to be guided by its commitment to sustainable banking, innovation, and value creation for all stakeholders. The bank’s focus on digital transformation and customer-centric Islamic products has allowed it to strengthen its leadership position within Pakistan’s evolving financial landscape.
Reaffirming their continued support, Faysal Bank’s majority sponsors — Dar Al-Maal Al-Islami Trust (DMIT) and the Ithmaar Group — expressed strong confidence in the bank’s long-term strategy and growth trajectory. Mr. Juma Abul, Group Chief Executive Officer of DMIT, stated, “Faysal Bank is an integral part of the DMIT and Ithmaar Group. We are fully committed to supporting FBL’s ongoing expansion, ensuring management continuity, and delivering world-class products and services tailored to customer needs. Our focus remains on strengthening FBL’s position as a leading player in Pakistan’s Islamic banking sector and reinforcing its contribution to the country’s economic development.”
He further added that this commitment had been recently reaffirmed to the State Bank of Pakistan (SBP), underscoring the Group’s intention to sustain operational excellence while safeguarding the bank’s stability. DMIT and Ithmaar Group aim to continue providing the strategic guidance and resources necessary for FBL to pursue sustainable growth, expand its market leadership, and deliver top-tier services to customers across Pakistan.
Faysal Bank’s strong nine-month performance highlights its ability to navigate economic volatility while sustaining profitability and growth. With a solid foundation in Islamic banking principles, robust capitalization, and strategic sponsor support, the bank is well-positioned to continue driving innovation and financial inclusion in Pakistan’s banking ecosystem.
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