KARACHI: Faysal Bank Limited (FBL) delivered a sound and resilient financial performance in the first quarter of 2026, reporting Profit Before Tax (PBT) of Rs 10.8 billion and net profit of Rs 5.2 billion, translating into Earnings Per Share (EPS) of Rs 3.40. The Bank also declared an interim cash dividend of Rs 1.5 per share (15 percent), reflecting confidence in its performance and outlook.
FBL maintained a strong balance sheet footing, with total assets reaching Rs 1.7 trillion. The Bank remained focused on optimizing its deposit mix, with a strategic emphasis on core current accounts, driven by trade and transactional flows across its expanding customer base, leveraging its wide and growing branch network.
The upward trajectory in Current Account (CA) continued, reaching Rs 614 billion, reflecting a 15 percent growth since December 2025. This led to a significant improvement in the CA mix to 46.2 percent (December 2025: 37.5 percent) and the CASA ratio to 85.5 percent (December 2025: 81.9 percent). The ADR moderated to 58.4 percent as at March 2026 (December 2025: 61.1 percent), while asset quality remained strong, with the infection ratio at 2.4 percent.
Overall, the Bank’s performance underscores its strong business fundamentals, prudent risk management, and focused growth strategy, with increasing emphasis on digital and technology-led, customer-centric solutions.
Mian Muhammad Younis, Chairman, Faysal Bank, reflecting on the Bank’s performance, said, “Alhamdulillah, the quarter ended March 2026 reflects the growing maturity and depth of Faysal Bank’s Islamic banking, network-led growth journey. The outcomes achieved are a direct result of the Board’s long-term strategic direction – focused on rapidly expanding the Bank’s network and steadily growing its low-cost core deposit base over the short and medium term. I would like to express my sincere gratitude to our customers, whose enduring trust and confidence remain central to our continued progress as a leading Shariah-compliance banking institution.”
Copyright Business Recorder, 2026
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