Faysal Bank Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	162,020	165,992	225,156	189,462	104,528	53,872
Interest Income on Investments	609.99	493.83	375.53	327.23	513.46	435.44
Total Interest Income	162,630	166,486	225,532	189,790	105,042	54,308
Interest Paid on Deposits	93,936	96,297	144,597	118,392	64,537	28,033
Net Interest Income	68,694	70,189	80,935	71,398	40,505	26,275
Net Interest Income Growth (YoY)	-13.37%	-13.28%	13.36%	76.27%	54.16%	5.82%
Gain (Loss) on Sale of Assets	172.18	150.61	40.63	22.41	52.72	72.93
Gain (Loss) on Sale of Investments	11,083	7,836	876.45	-1,814	-1,487	290.51
Other Non-Interest Income	24,526	23,871	18,264	14,533	10,453	8,117
Total Non-Interest Income	35,781	31,858	19,181	12,742	9,019	8,481
Non-Interest Income Growth (YoY)	78.89%	66.09%	50.53%	41.28%	6.35%	5.43%
Revenues Before Loan Losses	104,474	102,046	100,116	84,140	49,524	34,755
Provision for Loan Losses	-2,929	-4,879	-2,463	1,187	-940.03	44.97
Revenue	107,403	106,925	102,578	82,952	50,464	34,711
Revenue Growth (YoY)	3.17%	4.24%	23.66%	64.38%	45.38%	13.36%
Salaries and Employee Benefits	966.88	960.15	1,029	886.62	461.29	273.65
Selling, General & Administrative	5,931	5,952	4,694	3,835	1,122	574.51
Other Non-Interest Expense	53,023	52,039	45,618	36,545	26,281	20,228
Total Non-Interest Expense	59,615	58,677	50,893	41,106	27,775	21,018
EBT Excluding Unusual Items	47,789	48,248	51,685	41,846	22,689	13,692
Other Unusual Items	27.78	21.29	65.82	-	-	-
Pretax Income	47,816	48,269	51,751	41,846	22,689	13,692
Income Tax Expense	25,430	25,800	27,860	21,600	11,251	5,339
Earnings From Continuing Operations	22,386	22,469	23,892	20,247	11,438	8,353
Minority Interest in Earnings	-0.08	-0.09	-0.08	-0.2	-0.02	-0.02
Net Income	22,386	22,469	23,892	20,246	11,438	8,353
Net Income to Common	22,386	22,469	23,892	20,246	11,438	8,353
Net Income Growth	-1.35%	-5.95%	18.00%	77.02%	36.93%	25.03%
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
EPS (Basic)	14.75	14.80	15.74	13.34	7.54	5.50
EPS (Diluted)	14.75	14.80	15.74	13.34	7.54	5.50
EPS Growth	-1.35%	-5.95%	18.00%	77.02%	36.93%	25.03%
Dividend Per Share	6.500	6.500	7.000	4.000	7.000	1.500
Dividend Growth	-13.33%	-7.14%	75.00%	-42.86%	366.67%	-
Effective Tax Rate	53.18%	53.45%	53.83%	51.62%	49.59%	39.00%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.