KARACHI: Faysal Bank Limited (FBL) reported Profit Before Tax of PKR 20.5 billion and net profit of PKR 10 billion, with Earnings Per Share of PKR 6.60 in the first half of this calendar year (CY26). The Bank has also declared a second-quarter cash dividend of PKR 1.5 per share.
According to announcement, despite the downward rationalisation of market rates, FBL maintained its profitability through healthy balance-sheet growth, with total assets crossing PKR 1.8 trillion. The Bank continued to optimise 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 percent to PKR 1.56 trillion, while current accounts increased by 21 percent to PKR 646 billion. The current account mix improved to 41.4 percent from 37.5 percent in December 2025, while CASA strengthened to 86.8 percent from 81.9 percent.
The Advance-to-Deposit Ratio moderated to 51.7 percent from 61.1 percent, while asset quality remained strong with an infection ratio of 2.3 percent. 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.
Mian Muhammad Younis, Chairman, Faysal Bank, said that 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”, he added.
Copyright Business Recorder, 2026