Faysal Bank Limited (PSX:FABL)

Faysal Bank Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	225,156	189,462	104,528	53,872	55,926
Interest Income on Investments	375.53	327.23	513.46	435.44	281.86
Total Interest Income	225,532	189,790	105,042	54,308	56,208
Interest Paid on Deposits	144,597	118,392	64,537	28,033	31,378
Net Interest Income	80,935	71,398	40,505	26,275	24,830
Net Interest Income Growth (YoY)	13.36%	76.27%	54.16%	5.82%	15.19%
Gain (Loss) on Sale of Assets	40.63	22.41	52.72	72.93	21.45
Gain (Loss) on Sale of Investments	876.45	-1,814	-1,487	290.51	1,626
Other Non-Interest Income	18,264	14,520	10,453	8,117	6,396
Total Non-Interest Income	19,181	12,729	9,019	8,481	8,044
Non-Interest Income Growth (YoY)	50.69%	41.13%	6.35%	5.43%	17.51%
Revenues Before Loan Losses	100,116	84,127	49,524	34,755	32,873
Provision for Loan Losses	-2,463	948.93	-940.03	44.97	2,254
Revenue	102,578	83,178	50,464	34,711	30,619
Revenue Growth (YoY)	23.33%	64.83%	45.38%	13.36%	10.80%
Salaries and Employee Benefits	1,029	886.62	461.29	273.65	227.03
Selling, General & Administrative	2,727	2,055	1,122	574.51	1,365
Other Non-Interest Expense	47,585	38,325	26,281	20,228	18,318
Total Non-Interest Expense	50,893	41,106	27,775	21,018	19,755
EBT Excluding Unusual Items	51,685	42,071	22,689	13,692	10,864
Other Unusual Items	65.82	13.4	-	-	26.27
Pretax Income	51,751	41,846	22,689	13,692	10,891
Income Tax Expense	27,860	21,600	11,251	5,339	4,210
Earnings From Continuing Operations	23,892	20,247	11,438	8,353	6,681
Minority Interest in Earnings	-0.08	-0.2	-0.02	-0.02	-0
Net Income	23,892	20,246	11,438	8,353	6,681
Net Income to Common	23,892	20,246	11,438	8,353	6,681
Net Income Growth	18.00%	77.02%	36.93%	25.03%	11.27%
Basic Shares Outstanding	1,518	1,518	1,518	1,518	1,518
Diluted Shares Outstanding	1,518	1,518	1,518	1,518	1,518
EPS (Basic)	15.74	13.34	7.54	5.50	4.40
EPS (Diluted)	15.74	13.34	7.54	5.50	4.40
EPS Growth	18.00%	77.02%	36.93%	25.03%	11.27%
Dividend Per Share	7.000	4.000	7.000	1.500	-
Dividend Growth	75.00%	-42.86%	366.67%	-	-
Effective Tax Rate	53.83%	51.62%	49.59%	39.00%	38.66%

Updated Mar 3, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.