Faysal Bank Limited reported a robust financial performance for 2025, with rising deposits and financing activity underpinning earnings despite a competitive banking environment.

The bank posted a profit before tax of Rs47 billion and a net profit of Rs21.7 billion, translating into earnings per share of Rs14.30. It also announced a final cash dividend of Rs2 per share, bringing the total annual payout to Rs6.5 per share, including interim distributions.

Balance sheet expansion was a defining feature of the year. Total assets climbed to Rs1.8 trillion, supported by strong deposit mobilisation. Deposits grew by 36.7 percent to Rs1.43 trillion, while the bank’s market share improved to 3.81 percent from 3.45 percent a year earlier.

Current accounts showed notable momentum, rising 31.3 percent to exceed Rs536 billion. This shift highlights a strengthening funding base, often viewed as a key indicator of financial stability.

On the lending side, net financing increased by 37.6 percent to Rs872 billion, with market share advancing to 6.1 percent. The advance-to-deposit ratio edged up to 61.1 percent, reflecting continued credit expansion.

Asset quality also improved, as the infection ratio declined to 2.3 percent from 3.6 percent previously. Meanwhile, the capital adequacy ratio stood at 14 percent, remaining above regulatory requirements.

The bank attributed its performance to prudent risk management and operational discipline. Leadership emphasised the role of its Islamic banking framework, alongside continued investment in digital capabilities, network expansion and human capital.

With a stronger balance sheet and improving credit metrics, the institution signalled its intent to sustain growth while maintaining governance standards and customer-focused services.