Faysal Bank Posts Rs15.2 Billion Profit in Nine Months of 2026

Faysal Bank Limited (FBL) has reported a profit after tax of Rs15.2 billion for the nine months ended September 30, 2026, with earnings per share reaching Rs10.

The bank recorded profit before tax of Rs31.3 billion during the period. Its Board of Directors also declared a cash dividend of Rs1.50 per share for the third quarter, taking the total dividend announced for the year to Rs4.50 per share, including Rs3 already paid for the first half.

The bank’s total assets exceeded Rs1.8 trillion as it focused on sustainable balance-sheet growth and improving the quality of its funding.

Deposits Rise 9.3% as Current Accounts Grow

Faysal Bank’s deposits increased by 9.3% to Rs1.56 trillion. Current accounts recorded stronger growth, rising 20% to Rs642 billion.

As a result, current accounts accounted for 41.2% of total deposits, compared with 37.5% in December 2025. The bank’s current and savings account (CASA) ratio also improved to 85.2% from 81.9%.

The bank maintained a cautious lending approach during the period. Its advance-to-deposit ratio declined to 50.1% from 61.1% at the end of December 2025.

Asset quality remained strong, with the infection ratio standing at 2.4%. Faysal Bank also strengthened its capital base through the successful issuance of a Rs7 billion Tier II Sukuk.

Islamic Banking and Digital Services Drive Strategy

The bank attributed its performance to its Islamic banking franchise, disciplined risk management and continued focus on customer-centred services.

Its growth strategy includes expanding digital banking, improving technology-led services, strengthening trade and transaction capabilities, and increasing access to financial services for women and underserved customers.

Mian Muhammad Younis, Chairman of Faysal Bank, thanked customers for their continued trust and said the bank remained committed to delivering quality services through its branches and digital channels.

He added that Faysal Bank would continue to expand access to Shariah-compliant financial services and contribute to Pakistan’s economic development.

Bank Targets Sustainable Growth

Yousaf Hussain, President and CEO of Faysal Bank, said the results reflected a strategy built on low-cost deposits, transaction-led banking, prudent risk management and a stronger capital position.

He said the bank’s next phase of growth would focus on expanding digital banking, strengthening trade and transaction services, and reaching more women and underserved customers.

Faysal Bank said these priorities would support sustainable growth and long-term value for customers, investors and other stakeholders.