Faysal Bank Limited

Company Overview

Faysal Bank Limited (PSX: FABL) was incorporated in Pakistan on October 3, 1994, as a public limited company. It provides Islamic banking services to retail, corporate, commercial, small and medium-sized enterprise (SME), and agricultural customers.

The bank surrendered its conventional banking licence on December 31, 2022, and began operating fully under an Islamic banking licence issued by the State Bank of Pakistan on January 1, 2023.

Official sources: PSX Company Profile | Faysal Bank Official Website

Business Model

Faysal Bank earns income through Shariah-compliant financing, investments, trade-related services, fee-based banking activities and other permitted financial services.

Its business performance can be influenced by the policy-rate environment, deposit costs, financing growth, investment returns, customer deposits, operating expenses, credit quality and taxation.

Because Islamic banks use Shariah-compliant contracts and products, investors should review the bank's financial statements and Shariah Board disclosures to understand its operations and financial performance.

Source: Faysal Bank Investor Relations

Financial Performance

Annual Results — FY2025

The following standardized figures are displayed on the PSX company profile. Amounts are in Pakistani rupees; total income and profit after taxation are converted from thousands into billions. These are unconsolidated figures.

Financial Metric	FY2025	FY2024
Total income	Rs99.07 billion	Rs97.74 billion
Profit after taxation	Rs21.70 billion	Rs23.03 billion
Earnings per share (EPS)	Rs14.30	Rs15.17
Net profit margin	13.08%	10.23%

Total income increased modestly in FY2025, while unconsolidated profit after taxation declined by approximately 5.8%. The bank's annual report also records consolidated profit after taxation of Rs22.5 billion for 2025, which differs from the unconsolidated result.

Investors should not mix consolidated and unconsolidated figures when comparing performance. Review the original annual report for detailed income, expenses, taxation, deposits, financing and asset-quality information.

Half-Year Results — June 30, 2026

The bank's half-year report presents the following unconsolidated, unaudited results for the six months ended June 30, 2026.

Financial Metric	H1 2026	H1 2025
Total revenue	Rs48.82 billion	Rs45.03 billion
Profit before tax and provisions	Rs19.83 billion	Rs18.34 billion
Profit after taxation	Rs10.01 billion	Rs10.01 billion
EPS	Rs6.60	Rs6.59

Revenue increased by approximately 8.4% year over year, while profit after taxation remained broadly unchanged. The bank's report attributed its performance partly to growth in current deposits and non-funded income, while expenses also increased.

These figures provide historical context, not a forecast of future earnings.

Sources: PSX Financials and Ratios | Official FY2025 Annual Report | Official Half-Year Report 2026

Dividend History

For FY2025, the bank recommended a final cash dividend of Rs2 per share, in addition to three interim cash dividends of Rs1.50 per share each already paid. The announced total cash dividend for the year was therefore Rs6.50 per share, subject to the applicable approval and entitlement requirements for the final payment.

For 2026, the half-year report records an interim dividend of Rs1.50 per share for the second quarter, bringing the total interim dividend for the first half of 2026 to Rs3 per share.

Past dividends do not guarantee future distributions. Investors should check the original announcements for approval status, entitlement dates and payment details.

Sources: FY2025 Financial Results Announcement | FY2026 Half-Year Report | PSX FABL Profile

Shariah-Compliant Banking

Faysal Bank states that it operates fully under an Islamic banking licence and offers Shariah-compliant banking products and services. Its half-year report identifies a Shariah Board and describes the bank's transition to fully Shariah-compliant operations in January 2023.

However, the bank's operating model and the current screening status of its listed shares are distinct questions. Investors who use PSX Islamic indices should verify FABL's latest entry and screening status in the official PSX KMI All Share screener and relevant index notices.

Sources: Faysal Bank Official Website | Official Half-Year Report 2026 | PSX Islamic Indices

Banking Risks to Research

• Interest-rate environment: Changes in policy rates can affect financing returns, investment income and deposit pricing.
• Credit risk: Customers may fail to meet their financing obligations.
• Deposit competition: Competition for customer deposits can affect funding costs and margins.
• Regulatory and taxation changes: Banking rules, capital requirements and taxes can influence profitability.
• Operating expenses: Branch expansion, technology and staff costs affect the cost base.
• Earnings quality: Changes in provisions, investment gains and taxation can influence reported profit.
• Valuation risk: A bank's share price should be assessed against earnings, book value, asset quality and relevant peers.

These are general research considerations, not predictions of future performance.

Investor Research Checklist

Before evaluating FABL, review:

1. The latest audited annual report and interim financial statements.
2. Consolidated and unconsolidated results separately.
3. Deposits, financing growth, investment income and operating expenses.
4. Non-performing financing, provision coverage and capital adequacy.
5. EPS, return on equity and price-to-book valuation.
6. Dividend announcements and payment dates.
7. The bank's Shariah Board disclosures and current PSX screening status.
8. Current PSX announcements and regulatory notices.

Frequently Asked Questions

What does FABL stand for?

FABL is the Pakistan Stock Exchange ticker symbol for Faysal Bank Limited.

Is Faysal Bank a fully Islamic bank?

Yes. The bank states that it transitioned to fully Shariah-compliant operations under an Islamic banking licence on January 1, 2023.

What was FABL's EPS in FY2025?

The standardized unconsolidated financial data displayed by PSX reports FY2025 EPS of Rs14.30. Refer to the original annual report for the reported figures and accounting details.

Disclaimer

This profile is for educational and informational purposes only. It is not personalized investment advice or a recommendation to buy, sell or hold FABL shares. Verify the latest official disclosures, assess risks independently and consult a qualified professional where appropriate.