Faysal Bank Limited has announced strong financial results for the first half of 2025, highlighting sustained business momentum and continued growth across key segments. The bank reported an increase in total deposits to PKR 1.2 trillion—a 19 percent rise since December 2024—driven by a substantial boost in current account deposits which surpassed PKR 532 billion, marking a 30 percent increase. This growth in deposits has helped the bank maintain stable core earnings despite a period of declining interest rates.
The bank’s financial indicators remained robust, with the Advance to Deposit Ratio (ADR) at 57.8 percent, supporting Pakistan’s broader economic growth. The Capital Adequacy Ratio (CAR) remained well above regulatory requirements at 15.6 percent, while asset quality improved as the Non-Performing Loan (NPL) ratio dropped from 3.6 percent to 3.0 percent compared to the end of the previous year.
Faysal Bank achieved a Profit Before Tax (PBT) of PKR 21.9 billion and Earnings Per Share of PKR 6.59 during the six-month period. In recognition of these results, the bank declared an interim cash dividend of PKR 1.5 per share, reflecting a payout ratio of 15 percent for shareholders.
Commenting on the performance, Mian Muhammad Younis, Chairman of the Board of Directors, attributed the bank’s strength and stability to its Islamic banking foundation and the strategic direction set by the board, bolstered by management’s dedication. He emphasized Faysal Bank’s crucial role in supporting national economic growth and expressed gratitude to customers for their ongoing trust and loyalty.
President and CEO Yousaf Hussain reiterated the bank’s commitment to offering modern, innovative, and inclusive financial solutions in line with Islamic principles. He highlighted the bank’s continuous improvements in risk management, governance, and customer service through guidance from its Shariah Supervisory Board. With a solid operational foundation, Faysal Bank plans further investments in its branch network, digital capabilities, and human capital, aiming to accelerate growth and seize future opportunities in the market.
