Faysal Bank Limited (FBL) reported a profit before tax of PKR 31.3 billion and a profit after tax of PKR 15.2 billion for the nine months ended September 30, 2026. Earnings per share reached PKR 10.

The bank’s Board of Directors also declared a third-quarter cash dividend of PKR 1.50 per share, equivalent to 15%. This comes in addition to the PKR 3 per share already distributed for the first half of the year.

Deposits Rise 9.3% to Rs1.56 Trillion

Faysal Bank’s total assets exceeded PKR 1.8 trillion as it pursued measured balance-sheet growth and prioritised funding quality.

Deposits increased by 9.3% to PKR 1.56 trillion. Current accounts led this growth, rising 20% to PKR 642 billion.

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The bank also improved its current account mix to 41.2%, up from 37.5% in December 2025. Meanwhile, its current and savings accounts (CASA) ratio climbed to 85.2% from 81.9% over the same period.

These figures reflect the bank’s focus on building a transaction-led deposit base. Trade activity, customer transactions, a growing customer base and branch network also supported its funding position.

Prudent Lending Supports Asset Quality

Faysal Bank maintained a cautious lending approach during the reporting period. Consequently, its advance-to-deposit ratio (ADR) declined to 50.1% from 61.1% in December 2025.

Asset quality remained strong, with the bank reporting an infection ratio of 2.4%. In addition, Faysal Bank issued a PKR 7 billion Tier II Sukuk to strengthen its capital base.

The results highlight the bank’s focus on risk management, funding stability and capital strength. Its growth strategy also places greater emphasis on digital banking, technology-led services, women-focused initiatives and customer-centric solutions.

Chairman Reaffirms Commitment to Islamic Banking

Faysal Bank Chairman Mian Muhammad Younis thanked customers for their continued trust and highlighted the bank’s commitment to service quality and Islamic finance.

“Alhamdulillah, I thank our customers for the trust they continue to place in us. Serving them with excellence, across every branch and digital channel, remains at the heart of everything we do. As a leading Islamic bank, we remain committed to broadening access to Shariah-compliant finance and contributing meaningfully to Pakistan’s economic progress,” he said.

CEO Outlines Priorities for Future Growth

Faysal Bank President and CEO Yousaf Hussain said the results reflected the bank’s strategy of building low-cost deposits, managing risk carefully and strengthening capital.

“These results reflect a clear strategy built on a low-cost, transaction-led deposit franchise, disciplined risk management and a stronger capital base. Our next phase of growth will be driven by scaling digital banking, deepening our trade and transaction capabilities, and reaching more women and underserved customers. These priorities position Faysal Bank to deliver sustainable value for all our stakeholders,” he said.

The bank plans to expand its digital banking capabilities and strengthen its trade and transaction services. It also aims to reach more women and underserved customers as it pursues sustainable growth and broader access to Shariah-compliant financial services.