ISLAMABAD (PR): Faysal Bank Limited (FBL) delivered a sound and resilient performance during the first half of 2026, reporting Profit Before Tax of PKR 20.5 billion and net profit of PKR 10 billion, with Earnings Per Share of PKR 6.60. The Bank declared a second-quarter cash dividend of PKR 1.5 per share.
Despite the downward rationalization of market rates, FBL maintained its profitability through healthy balance-sheet growth, with total assets crossing PKR 1.8 trillion. The Bank continued to optimize its deposit mix, with increased emphasis on current accounts, supported by trade and transactional flows, an expanding customer base, and its wide and growing branch network.
Deposits grew by 9.5% to PKR 1.56 trillion, while current accounts increased by 21% to PKR 646 billion. The current account mix improved to 41.4% from 37.5% in December 2025, while CASA strengthened to 86.8% from 81.9%. The Advance-to-Deposit Ratio moderated to 51.7% from 61.1%, while asset quality remained strong with an infection ratio of 2.3%. The successful issuance of a PKR 7 billion Tier II Sukuk further reinforced the Bank’s capital base.
Overall, FBL’s results demonstrate the strength of its Islamic banking franchise, business fundamentals, disciplined risk management and focused growth strategy, increasingly supported by digital, technology-led, women-focused and customer-centric solutions.
Mr. Juma Abul, Group Chief Executive Officer, reaffirmed the Group’s long-term commitment to Pakistan and said: “We are highly satisfied with Faysal Bank’s strong progress and performance. Its successful transformation and expanding franchise demonstrate the strength of its strategy and execution. We fully support the Bank’s ambitious growth plans and remain confident in its ability to create sustainable value while strengthening its leadership in Islamic banking.”
Mr. Mian Muhammad Younis, Chairman, Faysal Bank, said: “Alhamdulillah, these results reflect the growing maturity and strength of Faysal Bank’s Islamic banking and network-led growth journey. They demonstrate the effectiveness of the Board’s long-term strategic direction – expanding the Bank’s network and steadily building a low-cost core deposit base. We remain sincerely grateful to our customers, whose enduring trust is central to our continued progress.”
Mr. Yousaf Hussain, President & CEO, Faysal Bank, added: “Looking ahead, Insha’Allah, Faysal Bank is strongly positioned to build upon its comprehensive product offering and expanded network. Supported by regional operational hubs, trade-driven growth, strong Islamic values and disciplined execution, we remain focused on delivering sustainable value to all stakeholders.”
