Faysal Bank Income Statement

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	173,037	225,156	189,462	104,528	53,872	55,926
Interest Income on Investments	353.34	375.53	327.23	513.46	435.44	281.86
Total Interest Income	173,390	225,532	189,790	105,042	54,308	56,208
Interest Paid on Deposits	100,597	144,597	118,392	64,537	28,033	31,378
Net Interest Income	72,793	80,935	71,398	40,505	26,275	24,830
Net Interest Income Growth (YoY)	-11.79%	13.36%	76.27%	54.16%	5.82%	15.19%
Gain (Loss) on Sale of Assets	28.59	40.63	22.41	52.72	72.93	21.45
Gain (Loss) on Sale of Investments	2,563	876.45	-1,814	-1,487	290.51	1,626
Other Non-Interest Income	23,279	18,330	14,533	10,453	8,117	6,396
Total Non-Interest Income	25,871	19,247	12,742	9,019	8,481	8,044
Non-Interest Income Growth (YoY)	36.08%	51.05%	41.28%	6.35%	5.43%	17.51%
Revenues Before Loan Losses	98,664	100,182	84,140	49,524	34,755	32,873
Provision for Loan Losses	-5,307	-2,463	1,187	-940.03	44.97	2,254
Revenue	103,971	102,644	82,952	50,464	34,711	30,619
Revenue Growth (YoY)	-1.58%	23.74%	64.38%	45.38%	13.36%	10.80%
Salaries and Employee Benefits	893.64	1,029	886.62	461.29	273.65	227.03
Selling, General & Administrative	4,670	4,670	3,819	1,122	574.51	1,365
Other Non-Interest Expense	52,910	45,641	36,562	26,281	20,228	18,318
Total Non-Interest Expense	58,119	50,893	41,106	27,775	21,018	19,755
EBT Excluding Unusual Items	45,852	51,751	41,846	22,689	13,692	10,864
Other Unusual Items	48.84	-	-	-	-	26.27
Pretax Income	45,900	51,751	41,846	22,689	13,692	10,891
Income Tax Expense	26,801	27,860	21,600	11,251	5,339	4,210
Earnings From Continuing Operations	19,100	23,892	20,247	11,438	8,353	6,681
Minority Interest in Earnings	-0.09	-0.08	-0.2	-0.02	-0.02	-0
Net Income	19,099	23,892	20,246	11,438	8,353	6,681
Net Income to Common	19,099	23,892	20,246	11,438	8,353	6,681
Net Income Growth	-32.47%	18.00%	77.02%	36.93%	25.03%	11.27%
Basic Shares Outstanding	1,518	1,518	1,518	1,518	1,518	1,518
Diluted Shares Outstanding	1,518	1,518	1,518	1,518	1,518	1,518
Shares Change (YoY)	0.03%	-	-	-	-	-
EPS (Basic)	12.58	15.74	13.34	7.54	5.50	4.40
EPS (Diluted)	12.58	15.74	13.34	7.54	5.50	4.40
EPS Growth	-32.50%	18.00%	77.02%	36.93%	25.03%	11.27%
Dividend Per Share	7.000	7.000	4.000	7.000	1.500	-
Dividend Growth	7.69%	75.00%	-42.86%	366.67%	-	-
Effective Tax Rate	58.39%	53.83%	51.62%	49.59%	39.00%	38.66%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.