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	Jun '26 Jun 30, 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	163,035	165,992	225,156	189,462	104,528	53,872
Interest Income on Investments	675.23	493.83	375.53	327.23	513.46	435.44
Total Interest Income	163,710	166,486	225,532	189,790	105,042	54,308
Interest Paid on Deposits	94,699	96,297	144,597	118,392	64,537	28,033
Net Interest Income	69,011	70,189	80,935	71,398	40,505	26,275
Net Interest Income Growth	-10.22%	-13.28%	13.36%	76.27%	54.16%	5.82%
Gain (Loss) on Sale of Assets	150.61	150.61	40.63	22.41	52.72	72.93
Gain (Loss) on Sale of Investments	10,915	7,836	876.45	-1,814	-1,487	290.51
Other Non-Interest Income	25,628	23,871	18,264	14,533	10,453	8,117
Total Non-Interest Income	36,693	31,858	19,181	12,742	9,019	8,481
Non-Interest Income Growth	84.03%	66.09%	50.53%	41.28%	6.35%	5.43%
Revenues Before Loan Losses	105,704	102,046	100,116	84,140	49,524	34,755
Provision for Loan Losses	-2,062	-4,879	-2,463	1,187	-940.03	44.97
Revenue	107,766	106,925	102,578	82,952	50,464	34,711
Revenue Growth	5.68%	4.24%	23.66%	64.38%	45.38%	13.36%
Salaries and Employee Benefits	964.3	960.15	1,029	886.62	461.29	273.65
Selling, General & Administrative	5,952	5,952	4,694	3,835	1,122	574.51
Other Non-Interest Expense	54,386	52,039	45,618	36,545	26,281	20,228
Total Non-Interest Expense	60,993	58,677	50,893	41,106	27,775	21,018
EBT Excluding Unusual Items	46,774	48,248	51,685	41,846	22,689	13,692
Other Unusual Items	21.29	21.29	65.82	-	-	-
Pretax Income	46,795	48,269	51,751	41,846	22,689	13,692
Income Tax Expense	24,399	25,800	27,860	21,600	11,251	5,339
Earnings From Continuing Operations	22,396	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	22,396	22,469	23,892	20,246	11,438	8,353
Net Income to Common	22,396	22,469	23,892	20,246	11,438	8,353
Net Income Growth	10.13%	-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
Shares Change	-0.05%	-	-	-	-	-
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	10.18%	-5.95%	18.00%	77.02%	36.93%	25.03%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	3.500	6.500	7.000	4.000	7.000	1.500
Dividend Growth	-50.00%	-7.14%	75.00%	-42.86%	366.67%	-
Effective Tax Rate	52.14%	53.45%	53.83%	51.62%	49.59%	39.00%