KARACHI: Faysal Bank Limited (FBL) reported a resilient financial performance during the first half of 2026, posting Rs20.5 billion in profit before tax and Rs10 billion in net profit.

The bank reported earnings per share of Rs6.60. It also declared a second-quarter cash dividend of Rs1.50 per share.

The results highlight the bank’s continued growth despite a decline in market rates. FBL maintained profitability through balance-sheet expansion and stronger deposit mobilisation.

Deposits and current accounts strengthen

Faysal Bank’s total assets crossed Rs1.8 trillion during the period.

Meanwhile, deposits increased by 9.5% to Rs1.56 trillion. Current accounts also recorded strong growth, rising 21% to Rs646 billion.

As a result, the current account mix improved to 41.4%, compared with 37.5% in December 2025.

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The bank’s CASA ratio also strengthened to 86.8% from 81.9%. The improvement reflects FBL’s focus on low-cost deposits and transaction-driven banking.

The bank said trade activity, an expanding customer base and its growing branch network supported deposit growth.

Asset quality remains strong

FBL’s Advance-to-Deposit Ratio moderated to 51.7% from 61.1%.

At the same time, asset quality remained stable. The bank reported an infection ratio of 2.3%.

Faysal Bank also strengthened its capital position through the successful issuance of a Rs7 billion Tier II Sukuk.

The bank said its performance reflects disciplined risk management and a focused growth strategy.

Focus on Islamic banking expansion

FBL continues to expand its Islamic banking franchise through digital, technology-led and customer-focused solutions.

The bank is also increasing its focus on women customers while strengthening its branch network and regional operations.

Juma Abul, Group Chief Executive Officer, said the bank’s transformation and expanding franchise demonstrated the strength of its strategy and execution.

“We are highly satisfied with Faysal Bank’s strong progress and performance,” he said.

Abul added that the group remains committed to Pakistan and supports the bank’s ambitious growth plans.

Management confident about future growth

Mian Muhammad Younis, Chairman of Faysal Bank, said the results reflected the growing strength of the bank’s Islamic banking model.

“Alhamdulillah, these results reflect the growing maturity and strength of Faysal Bank’s Islamic banking and network-led growth journey,” he said.

Younis credited the bank’s long-term strategy for expanding its network and building a low-cost core deposit base.

He also thanked customers for their continued trust and support.

Yousaf Hussain, President and CEO of Faysal Bank, said the bank remains well positioned for further growth.

He said FBL would build on its wider product portfolio and expanded network.

The bank will also focus on regional operational hubs, trade-led growth, Islamic values and disciplined execution.

As a result, Faysal Bank expects to strengthen its position in Pakistan’s Islamic banking sector while creating sustainable value for customers and other stakeholders.