Faysal Bank Limited (FBL) reported a strong financial performance for the nine months ended September 30, 2026.

The bank posted a profit before tax of Rs31.3 billion. Its profit after tax reached Rs15.2 billion. Earnings per share stood at Rs10.

The Board also declared a third-quarter cash dividend of Rs1.50 per share, equivalent to 15%. This follows the Rs3 per share already paid for the first half of 2026.

Deposits Rise to Rs1.56 Trillion

Faysal Bank’s total assets exceeded Rs1.8 trillion. The bank maintained a measured approach to balance-sheet growth while focusing on funding quality.

Deposits increased by 9.3% to Rs1.56 trillion. Current accounts led this growth, rising 20% to Rs642 billion.

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The current account share of total deposits improved to 41.2%. It stood at 37.5% in December 2025. Similarly, the current and savings account (CASA) ratio rose to 85.2% from 81.9%.

Meanwhile, the bank adopted a cautious lending approach. Its Advance-to-Deposit Ratio (ADR) fell to 50.1%, compared with 61.1% in December 2025.

Asset quality remained stable. The bank reported an infection ratio of 2.4%. It also strengthened its capital base by issuing a Rs7 billion Tier II Sukuk.

Islamic Banking and Digital Services Drive Strategy

Faysal Bank continues to focus on Islamic banking and disciplined risk management. It is also expanding its technology-led services.

The bank’s strategy includes digital banking, customer-focused solutions and services for women. It also aims to improve access to Shariah-compliant financial products.

Mian Muhammad Younis, Chairman of Faysal Bank, thanked customers for their continued trust.

“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,” Younis said.

Faysal Bank Targets Sustainable Growth

Yousaf Hussain, President and CEO of Faysal Bank, said the results reflected a clear business strategy. He highlighted low-cost deposits, transaction-led banking and disciplined risk management.

“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,” Hussain said.

The bank plans to expand its digital banking capabilities further. It will also strengthen trade and transaction services. Reaching women and underserved communities remains another priority.

Through these initiatives, Faysal Bank aims to expand financial access and deliver sustainable value to its stakeholders.