The Faysal Bank Financial Results 2025 reveal a slight dip in profitability despite strong growth in deposits, financing, and overall assets. According to the financial statement submitted to the Pakistan Stock Exchange, Faysal Bank Limited posted a consolidated profit after tax of Rs22.47 billion for the year ending December 31, 2025 nearly 6% lower than the Rs23.89 billion recorded during the same period in 2024.
The Faysal Bank Financial Results 2025 also show a decline in earnings per share (EPS), which stood at Rs14.80 compared to Rs15.74 in the previous year. This decrease reflects the broader trend of reduced net returns during the year, even as the bank continued to expand its Islamic banking operations across Pakistan.
Despite the drop in net profit, the Board of Directors announced a final cash dividend of Rs2 per share (20%) for shareholders. This payout comes in addition to the 15% interim dividends already distributed in the first three quarters of 2025. These dividend announcements in the Faysal Bank Financial Results 2025 highlight the bank’s continued commitment to rewarding investors even during a relatively challenging financial period.
A closer look at the Faysal Bank Financial Results 2025 shows that the bank’s net profit or return declined significantly to Rs69.69 billion in 2025 from Rs80.56 billion in 2024 — marking a decrease of over 13%. Profit before tax also fell by nearly 7% to Rs48.27 billion during the same period. Additionally, the bank paid Rs25.8 billion in taxes, reflecting its continued contribution to the national exchequer.
However, not all indicators in the Faysal Bank Financial Results 2025 were negative. The bank reported a remarkable 65% increase in other income, which rose to Rs32.37 billion in 2025 compared to Rs19.62 billion in the previous year. This surge in non-core income sources demonstrates the bank’s efforts to diversify its revenue streams beyond traditional financing activities.
In terms of asset growth, the Faysal Bank Financial Results 2025 present an encouraging picture. Total assets of the bank increased to Rs1.8 trillion, largely supported by strong deposit growth. FABL’s total deposits grew by 36.7% year-on-year to reach Rs1.43 trillion. As a result, the bank’s market share improved from 3.45% to 3.81%, reflecting growing customer confidence in its Islamic banking services.
Current accounts also saw significant growth, rising by 31.3% to Rs536 billion. Meanwhile, net financing expanded by an impressive 37.6% to Rs872 billion, which boosted the bank’s market share in financing from 4.2% to 6.1%. The Advance-to-Deposit Ratio (ADR) strengthened to 61.1%, further underscoring the solid performance outlined in the Faysal Bank Financial Results 2025.
From a regulatory standpoint, the bank maintained a strong Capital Adequacy Ratio of 14.0%, comfortably above the minimum requirement set by the State Bank of Pakistan. Moreover, asset quality improved significantly, with the infection ratio declining to 2.3% from 3.6% in the previous year.
Chairman Mian Muhammad Younis stated that the performance highlighted in the Faysal Bank Financial Results 2025 reflects the strength of the bank’s Islamic banking foundation, strategic direction, and the trust of its growing customer base. He emphasized that the institution remains focused on long-term sustainability and operational excellence.
President and CEO Yousaf Hussain also reiterated that FABL continues to prioritize innovation, prudent risk management, and sustainable growth. He noted that the bank’s ongoing investments in digital capabilities, branch network expansion, and human capital will help drive future performance.
while the Faysal Bank Financial Results 2025 indicate a modest decline in profit, the bank’s strong asset growth, improved financing portfolio, and rising deposits signal a stable outlook for the future. The continued focus on Islamic banking and digital transformation positions FABL well for sustained growth in the years ahead.
