Faysal Bank Cash Flow 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
Net Income	22,469	23,892	20,246	11,438	8,353
Depreciation & Amortization	8,221	5,513	4,203	3,204	3,013
Other Amortization	591.46	449.96	326.17	222.19	148.25
Gain (Loss) on Sale of Assets	-150.61	-40.63	-22.41	-52.72	-72.93
Gain (Loss) on Sale of Investments	329.45	311.47	464.39	-359.14	-285.99
Total Asset Writedown	-	-	43.85	-42.93	27.1
Provision for Credit Losses	-4,879	-2,463	316.59	-329.05	833.7
Change in Trading Asset Securities	1,651	6,127	234.47	12,267	-5,368
Change in Other Net Operating Assets	-418,309	78,937	-97,234	-24,293	-29,904
Other Operating Activities	5,194	1,180	-12,999	2,750	1,600
Operating Cash Flow	-385,155	113,460	-84,582	4,714	-21,714
Capital Expenditures	-12,030	-18,682	-6,966	-3,379	-3,103
Sale of Property, Plant and Equipment	1,685	39.57	61.53	60.29	32.84
Investment in Securities	29,148	-75,464	-111,502	-127,439	-77,775
Income (Loss) Equity Investments	-273.51	-447.56	-161.29	-89.63	-58.23
Purchase / Sale of Intangibles	-377.27	-817.27	-757.32	-548.11	-434.24
Other Investing Activities	492.8	376.54	327.23	513.46	913.72
Investing Cash Flow	18,919	-94,547	-118,837	-130,792	-80,365
Long-Term Debt Repaid	-3,815	-3,770	-2,357	-3,254	-2,215
Net Debt Issued (Repaid)	-3,815	-3,770	-2,357	-3,254	-2,215
Common Dividends Paid	-10,433	-16,474	-4,465	-10,419	-751.47
Net Increase (Decrease) in Deposit Accounts	382,820	25,751	236,709	137,516	103,408
Financing Cash Flow	368,572	5,507	229,887	123,843	100,441
Foreign Exchange Rate Adjustments	255.72	137.52	-1,539	-	-
Net Cash Flow	2,591	24,557	24,929	-2,235	-1,638
Free Cash Flow	-397,185	94,778	-91,549	1,335	-24,816
Free Cash Flow Margin	-371.46%	92.40%	-110.36%	2.65%	-71.50%
Free Cash Flow Per Share	-261.70	62.45	-60.32	0.88	-16.35
Cash Interest Paid	92,908	145,973	115,128	-	-
Cash Income Tax Paid	29,136	34,525	20,958	9,611	4,739

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