Faysal Bank Limited (PSX:FABL)

Faysal Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	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	23,214	18,264	14,520	10,453	8,117	6,396
Total Non-Interest Income	25,805	19,181	12,729	9,019	8,481	8,044
Non-Interest Income Growth (YoY)	35.83%	50.69%	41.13%	6.35%	5.43%	17.51%
Revenues Before Loan Losses	98,599	100,116	84,127	49,524	34,755	32,873
Provision for Loan Losses	-5,307	-2,463	948.93	-940.03	44.97	2,254
Revenue	103,905	102,578	83,178	50,464	34,711	30,619
Revenue Growth (YoY)	-1.85%	23.33%	64.83%	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	2,727	2,727	2,055	1,122	574.51	1,365
Other Non-Interest Expense	54,853	47,585	38,325	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	45,786	51,685	42,071	22,689	13,692	10,864
Other Unusual Items	114.66	65.82	13.4	-	-	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.