Key Takeaways
- Faysal Bank Limited (FBL) earned Rs15.2bn in Profit After Tax for the nine months ending September 30, 2026.
- The bank declared a third-quarter cash dividend of Rs1.5 per share, reflecting its robust financial performance.
- Total assets of FBL exceeded Rs1.8tn, with a focus on quality funding and a growing customer base.
Faysal Bank Limited (FBL) has reported a resilient performance for the nine months ending September 30, 2026, with a Profit After Tax (PAT) of Rs15.2bn, according to the company’s latest financial statement.
The bank’s Profit Before Tax (PBT) stood at Rs31.3bn, translating into earnings per share of Rs10. The Board has declared a third-quarter cash dividend of Rs1.5 per share, marking a 15% increase from the previous half-year dividend of Rs3 per share.
Total assets of FBL surpassed Rs1.8tn, as the bank maintained a measured approach to balance-sheet growth, prioritizing the quality of its funding. This was supported by strong trade and transactional flows, a growing customer base, and an expanding branch network.
Deposits increased by 9.3% to Rs1.56tn, with a significant 20% rise in current accounts to Rs642bn. The current account mix improved to 41.2% from 37.5% in December 2025, and Current Account Savings Account (CASA) rose to 85.2% from 81.9%.
The bank’s Advance-to-Deposit Ratio moderated to 50.1% from 61.1% in December 2025, indicating a more balanced approach to lending. Asset quality remained robust, with an infection ratio of 2.4%.
FBL successfully issued a Rs7bn Tier II Sukuk, further strengthening its capital base. The bank’s Islamic banking franchise and its disciplined approach to risk management were highlighted as key factors in its success.
Mian Muhammad Younis, Chairman of Faysal Bank, expressed gratitude to the customers for their trust and emphasized the bank’s commitment to serving them with excellence. He stated, ‘Alhamdulillah, I thank our customers for the trust they continue to place in us. Serving them with excellence, across every branch and digital channel, remains at the heart of everything we do.’
Yousaf Hussain, President & CEO of Faysal Bank, added, ‘These results reflect a clear strategy built on a low-cost, transaction-led deposit franchise, disciplined risk management and a stronger capital base. Our next phase of growth will be driven by scaling digital banking, deepening our trade and transaction capabilities, and reaching more women and underserved customers. These priorities position Faysal Bank to deliver sustainable value for all our stakeholders.’
The bank’s focus on digital, technology-led, women-focused, and customer-centric solutions is expected to drive its future growth and contribute to Pakistan’s economic progress.
Alhamdulillah, I thank our customers for the trust they continue to place in us. Serving them with excellence, across every branch and digital channel, remains at the heart of everything we do.
Mian Muhammad Younis, Chairman, Faysal Bank
These results reflect a clear strategy built on a low-cost, transaction-led deposit franchise, disciplined risk management and a stronger capital base. Our next phase of growth will be driven by scaling digital banking, deepening our trade and transaction capabilities, and reaching more women and underserved customers. These priorities position Faysal Bank to deliver sustainable value for all our stakeholders.
Yousaf Hussain, President & CEO, Faysal Bank
