Faysal Bank Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	165,992	225,156	189,462	104,528	53,872
Interest Income on Investments	493.83	375.53	327.23	513.46	435.44
Total Interest Income	166,486	225,532	189,790	105,042	54,308
Interest Paid on Deposits	96,297	144,597	118,392	64,537	28,033
Net Interest Income	70,189	80,935	71,398	40,505	26,275
Net Interest Income Growth (YoY)	-13.28%	13.36%	76.27%	54.16%	5.82%
Gain (Loss) on Sale of Assets	-	40.63	22.41	52.72	72.93
Gain (Loss) on Sale of Investments	7,836	876.45	-1,814	-1,487	290.51
Other Non-Interest Income	24,043	18,330	14,533	10,453	8,117
Total Non-Interest Income	31,879	19,247	12,742	9,019	8,481
Non-Interest Income Growth (YoY)	65.63%	51.05%	41.28%	6.35%	5.43%
Revenues Before Loan Losses	102,068	100,182	84,140	49,524	34,755
Provision for Loan Losses	-4,879	-2,463	1,187	-940.03	44.97
Revenue	106,946	102,644	82,952	50,464	34,711
Revenue Growth (YoY)	4.19%	23.74%	64.38%	45.38%	13.36%
Salaries and Employee Benefits	960.15	1,029	886.62	461.29	273.65
Selling, General & Administrative	-	4,670	3,819	1,122	574.51
Other Non-Interest Expense	57,991	45,641	36,562	26,281	20,228
Total Non-Interest Expense	58,677	50,893	41,106	27,775	21,018
EBT Excluding Unusual Items	48,269	51,751	41,846	22,689	13,692
Pretax Income	48,269	51,751	41,846	22,689	13,692
Income Tax Expense	25,800	27,860	21,600	11,251	5,339
Earnings From Continuing Operations	22,469	23,892	20,247	11,438	8,353
Minority Interest in Earnings	-0.09	-0.08	-0.2	-0.02	-0.02
Net Income	22,469	23,892	20,246	11,438	8,353
Net Income to Common	22,469	23,892	20,246	11,438	8,353
Net Income Growth	-5.95%	18.00%	77.02%	36.93%	25.03%
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
Shares Change (YoY)	0.03%	-	-	-	-
EPS (Basic)	14.80	15.74	13.34	7.54	5.50
EPS (Diluted)	14.80	15.74	13.34	7.54	5.50
EPS Growth	-5.98%	18.00%	77.02%	36.93%	25.03%
Dividend Per Share	6.500	7.000	4.000	7.000	1.500
Dividend Growth	-7.14%	75.00%	-42.86%	366.67%	-
Effective Tax Rate	53.45%	53.83%	51.62%	49.59%	39.00%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.