Faysal Bank Limited (PSX:FABL)

Faysal Bank Balance Sheet

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
Cash & Equivalents	96,611	39,033	31,720	21,331	26,967	31,454
Investment Securities	704,936	546,270	515,957	439,714	344,761	272,320
Trading Asset Securities	-	2,821	550.23	618.91	14,360	7,974
Total Investments	704,936	549,091	516,507	440,333	359,121	280,294
Gross Loans	725,863	652,991	581,977	478,506	417,351	340,135
Allowance for Loan Losses	-	-16,472	-52.8	-19,329	-20,490	-21,565
Other Adjustments to Gross Loans	-	-474.64	-29.22	-350.06	-76.4	-19.92
Net Loans	725,863	636,045	581,895	458,827	396,784	318,550
Property, Plant & Equipment	64,041	58,001	40,268	35,196	26,416	24,102
Goodwill	-	-	-	238.48	238.48	238.48
Other Intangible Assets	2,620	2,600	2,332	2,103	1,860	1,656
Accrued Interest Receivable	-	35,647	44,225	26,643	10,671	7,293
Other Receivables	-	2,464	4,777	5,307	1,145	666.26
Restricted Cash	-	69,044	54,129	37,585	35,067	31,306
Other Current Assets	-	34,447	14,780	8,274	9,178	11,474
Other Real Estate Owned & Foreclosed	-	1,376	929.66	3,167	2,257	2,683
Other Long-Term Assets	97,131	137,535	78,511	36,001	264.01	347.98
Total Assets	1,691,201	1,565,283	1,370,074	1,075,006	869,968	710,064
Accrued Expenses	-	8,411	6,613	3,486	2,651	2,713
Interest Bearing Deposits	1,274,963	647,632	704,132	512,296	433,064	374,612
Non-Interest Bearing Deposits	-	396,646	314,144	269,260	210,976	166,021
Total Deposits	1,274,963	1,044,279	1,018,276	781,556	644,040	540,632
Short-Term Borrowings	-	28,468	35,116	40,331	55,840	32,529
Current Portion of Long-Term Debt	-	216,634	81,811	54,206	19,576	4,820
Current Portion of Leases	-	39.55	218.32	122.15	45.41	29.44
Current Income Taxes Payable	-	-	3,220	1,013	745.3	-
Accrued Interest Payable	-	10,007	13,243	6,741	2,570	3,799
Other Current Liabilities	21,790	79,398	48,419	43,912	28,012	28,350
Long-Term Debt	202,340	37,268	52,281	57,152	37,730	23,969
Long-Term Leases	17,090	15,507	12,650	11,693	9,672	8,496
Long-Term Unearned Revenue	-	1,861	1,497	982.43	857.08	1,428
Pension & Post-Retirement Benefits	-	94.53	-	-	-	-
Long-Term Deferred Tax Liabilities	7,071	12,984	4,907	744.09	611.51	1,582
Other Long-Term Liabilities	53,506	1,970	1,625	2,454	1,488	1,498
Total Liabilities	1,576,761	1,456,921	1,279,875	1,004,392	803,838	649,846
Common Stock	15,177	15,177	15,177	15,177	15,177	15,177
Additional Paid-In Capital	10.13	10.13	10.13	10.13	10.13	10.13
Retained Earnings	80,215	70,243	59,648	44,476	43,532	35,604
Comprehensive Income & Other	19,038	22,931	15,363	10,951	7,411	9,427
Total Common Equity	114,440	108,361	90,198	70,614	66,130	60,218
Minority Interest	0.41	-	-	0.06	0.04	0.02
Shareholders' Equity	114,440	108,361	90,198	70,614	66,130	60,218
Total Liabilities & Equity	1,691,201	1,565,283	1,370,074	1,075,006	869,968	710,064
Total Debt	219,430	297,918	182,076	163,504	122,863	69,843
Net Cash (Debt)	-122,820	-256,063	-149,806	-135,739	-81,536	-27,431
Net Cash Per Share	-80.92	-168.72	-98.71	-89.44	-53.72	-18.07
Filing Date Shares Outstanding	1,516	1,518	1,518	1,518	1,518	1,518
Total Common Shares Outstanding	1,516	1,518	1,518	1,518	1,518	1,518
Book Value Per Share	75.49	71.40	59.43	46.53	43.57	39.68
Tangible Book Value	111,820	105,761	87,867	68,272	64,032	58,324
Tangible Book Value Per Share	73.76	69.69	57.89	44.98	42.19	38.43

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