Faysal Bank Limited · PSX:FABL
Faysal Bank — FY2025 Earnings Presentation
42 slides from Faysal Bank's earnings presentation, Apr 3, 2026
Slide 1: Corporate Briefing Session - 2026
Corporate Briefing Session - 2026 Financial results Year ended December 31, 2025
Slide 2: Schedule of the Event
Corporate Briefing Session – April 03, 2026 Schedule of the Event I. Tilawat e Quran II. Overview on Bank’s Financial Performance December 31, 2025, by CEO (Mr. Yousuf Hussain) & CFO (Mr. Tanveer Khatri) III. Q & A Session 01 | Corporate Briefing Session
Slide 3: Second Largest Islamic Bank in the Country
Second Largest Islamic Bank in the Country AM1 Ownership Long term AA+ Ithmaar Holdings B.S.C Short Term A1+ (66.78%) Subsidiary Dar Al-Maal Al-Islami Trust – ultimate parent 900 Faysal Asset Management Limited Branches Holding 99.99% Shariah Complaint International Shariah AUMs Rs 273 Billion Compl
Slide 4: Geographical network – Nationwide
Geographical network – Nationwide Branch Network Punjab 513 57% 228 900 Branches Sindh 26% KPK 74 8% Islamabad 31 3% Baluchistan 30 3% More than 360 Cities across Pakistan AJK 16 2% Gilgit Baltistan 08 1% 03 | Corporate Briefing Session
Slide 5: Product & Services – Full fledge shariah compliant products and services
Product & Services – Full fledge shariah compliant products and services Retail Corporate • Investment Banking • Financial Institutions • Wealth Management & Priority Banking • Financing to corporate customers • Full fledge shariah compliant deposit • Home Remittance products and related services •
Slide 6: Journey of FBL Highlighting the key events from 2001 to 2025
Journey of FBL Highlighting the key events from 2001 to 2025 • Amalgamation of Increased RBS Pakistan with shareholding in Merger of Al- • 2nd Largest • 900 branches – and into FBL Faysal Asset Faysal Investment Islamic Bank nationwide Bank Limited with • Branch network Management • Rs 1 Trillion •
Slide 7: Vision, Mission and Core Values
Vision, Mission and Core Values To be the FBL’s Core values best customer centric Islamic Faith and bank, driven by Integrity Believe passion and belief. Teamwork Teamwork Mission Achieve leadership in providing Shariah compliant financial services with customer care and employee focus, at the heart
Slide 8: Corporate Strategic Goals
Corporate Strategic Goals 07 | Corporate Briefing Session
Slide 9: Corporate Strategic Goals
Corporate Strategic Goals Positioning Strategic Actions Strategic Targets Amounts PKR in Mn 2021 2022 2023 2024 2025 ➢ Grow low-cost CASA deposits by focusing on mass-affluent customer ➢ CASA Ratio: Improve Branches 606 700 722 855 900 Strong Retail segment Franchise Deposits 644,089 781,571 1,018,2
Slide 10: Corporate Strategic Goals
Corporate Strategic Goals Positioning Strategic Actions ➢ Offer innovative, Shariah compliant solutions for Retail, Corporate and Commercial banking To be the Leading Islamic Bank ➢ Develop the best-in-class human resource capital ➢ Re-align service standards & improve service levels ➢ Improve top-l
Slide 11: Key Revenue Drivers & Business Segments
Key Revenue Drivers & Business Segments 10 | Corporate Briefing Session
Slide 12: Key Revenue Drivers & Business Segments
Key Revenue Drivers & Business Segments Business Performance ➢ The bank added 45 new locations, bringing the total to 900 branches alongside a steady increase in deposits. 1 Retail Banking & ➢ Launched Faysal Islami Debit Card Co-badged PayPak & Mastercard. The initiative CBSME aims to drive card ad
Slide 13: Major Business Drivers & Developments
Major Key Business Revenue Drivers & Developments Business Segments Business Performance ➢ FBL maintained a leading market position by successfully executing syndicated and capital market transactions exceeding PKR 90 billion across diverse sectors, Corporate and 3 Investment including telecommunica
Slide 14: Major Business Developments: Digital Banking
Major& Business Islamic Faysal Digital Developments Banking Business Performance ➢ Seamless Raast P2M integration, Soft POS enabling merchants to accept payments on smartphones (iOS and Andriod), next–gen QR-enabled hardware. 5 Digital Banking ➢ Enhanced mobile banking app with improved UI, in-app n
Slide 15: Awards & Recognitions
Awards & Recognitions 14 | Corporate Briefing Session
Slide 16: Awards & Recognitions
Awards & Recognitions ➢ “Employer of Choice” at the Gender ➢ Leading Award “Best Partner Bank” by State Diversity Awards 2025 hosted by Bank of Pakistan (SBP) – Financial Inclusion Support Department International Finance Corporation (IFC) and the Pakistan Business Council Recognitions A Testament t
Slide 17: Key Financial Highlights
Key Financial Highlights 16 | Corporate Briefing Session
Slide 18: Key Financial Highlights
Key Financial Highlights Strong Comfortable Continued Profitability Current Steady Balance Advances to focus on Deposit Growth in Sheet Deposits growth in Growth Financing Growth ratio revenue PAT Total Assets CA growth Net Financing ADR Total Revenue Rs 21 Bn+ Rs 1.8 Tn +31.3% +37.6% 60%+ Rs 99 Bn+
Slide 19: Balance Sheet
Balance Sheet Amounts PKR in Million YoY Variance 1. Cash & bank balances were optimized at year end to ensure maximum Description Dec'25 Dec'24 Amount % deployment in earning assets. Cash and Bank balances 1 110,590 108,077 2,513 2.3% 2. Investments: Decreased due to the settlement and restructurin
Slide 20: Profit & Loss
Profit & Loss Amounts PKR in Million YoY Variance Description Dec'25 Dec'24 Amount % 1. Net Profit / return earned – The decline in NRFF was driven Profit / return earned 165,934 225,052 (59,118) -26.3% primarily by the policy rate reduction and MDR implementation. However, this was largely offset b
Slide 21: Financial Highlights: Profit Before Tax
Financial Highlights Profit Before Tax – Rs in billion Pre-conversion CAGR: 18% Post-conversion CAGR: 28% 60.0 50.4 50.0 47.0 41.4 40.0 30.0 22.4 20.0 13.4 10.2 10.8 10.0 6.9 6.7 7.3 8.2 - 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 | Corporate Briefing Session
Slide 22: Financial Highlights: Profit After Tax
Financial Highlights Profit After Tax – Rs in billion Pre-conversion CAGR: 15% Post-conversion CAGR: 25% 25.0 23.0 21.7 20.0 20.0 15.0 11.2 10.0 8.2 6.5 6.0 4.5 4.8 5.0 4.2 4.3 - 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 21 | Corporate Briefing Session
Slide 23: Financial Highlights – Balance Sheet: Total Assets
Financial Highlights – Balance Sheet Total Assets - Rs in billion Pre-conversion CAGR: 14% Post-conversion CAGR: 18% Growth 1,775 1,800 in 2025: 1,600 1,563 14% 1,370 1,400 1,200 1,074 1,000 870 800 710 600 630 600 495 430 452 400 200 - 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 22 | Cor
Slide 24: Financial Highlights – Balance Sheet: Financing
Financial Highlights – Balance Sheet Financing – Rs in billion Pre-conversion CAGR: 14% Post-conversion CAGR: 24% Growth 872 900 in 2025: 800 38% 700 634 581 600 500 454 396 400 296 310 318 300 232 205 181 200 100 - 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 23 | Corporate Briefing Sessi
Slide 25: Financial Highlights – Balance Sheet: Total Deposits
Financial Highlights – Balance Sheet Total Deposits - Rs in billion Pre-conversion CAGR: 15% Post-conversion CAGR: 22% Growth in 2025: 1,600 1,427 37% 1,400 1,200 1,018 1,044 1,000 782 800 644 600 541 458 372 409 400 340 292 200 - 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 24 | Corporate
Slide 26: Key Financial Metrics
Key Financial Metrics 25 | Corporate Briefing Session
Slide 27: Investor Metrics
Investor Metrics Price to book ratio: 53% 56% 55% 68% 122% 80.0 48.5 92.8 100.0 70.0 60.0 32.6 80.0 50.0 23.0 25.8 60.0 40.0 40.0 30.0 20.0 20.0 - 10.0 - 43.4 46.2 59.4 71.4 76.1 (20.0) 2021 2022 2023 2024 2025 Per Share Book Value incl. Reserves (Rs) Share Price (year-end) (Rs) FBL’s price to book
Slide 28: Profitability Metrics
Profitability Metrics Earning Per Share (Rs) Price Earning Ratio 6.5 6.5 23.0 5.5 18.0 15.2 4.3 14.3 13.2 4.5 13.0 3.5 3.2 3.5 7.4 2.5 8.0 5.4 2.5 3.0 1.5 FY 21 FY 22 FY 23 FY 24 FY 25 FY 21 FY 22 FY 23 FY 24 FY 25 27 | Corporate Briefing Session
Slide 29: Profitability Metrics
Profitability Metrics Return on assets Return on equity 35.0% 1.9% 1.6% 1.7% 1.6% 30.0% 1.5% 25.0% 1.3% 23.2% 25.0% 1.3% 1.2% 1.0% 19.4% 1.1% 20.0% 16.5% 0.9% 0.7% 15.0% 12.9% FY 21 FY 22 FY 23 FY 24 FY 25 10.0% FY 21 FY 22 FY 23 FY 24 FY 25 28 | Corporate Briefing Session
Slide 30: Balance Sheet Metrics
Balance Sheet Metrics Advances to Deposits Ratio – Net Capital Position 1,600 61.5% 58.1% 60.7% 70.0% 17.5% 17.5% 21.0% 61.1% 16.5% 57.0% 140 15.5% 1,400 60.0% 14.0% 16.0% 1,200 120 50.0% 100 11.0% 1,000 1,427 40.0% 800 80 6.0% 872 30.0% 600 60 114 1,018 1,044 634 106 1.0% 400 644 782 581 20.0% 40 8
Slide 31: Deposits
Deposits Deposit Composition – Rs in billion 1,600 1,427 1,400 18% 259 1,200 1,018 1,044 1,000 25% 782 20% 151 44% 254 800 644 25% 633 156 43% 600 28% 45% 485 158 43% 438 400 41% 348 275 38% 35% 32% 536 200 33% 31% 408 277 326 211 - FY 21 FY 22 FY 23 FY 24 FY 25 Current Savings Term 30 | Corporate B
Slide 32: ESG & CSR
ESG & CSR 31 | Corporate Briefing Session
Slide 33: ESG & CSR Initiatives and Impact
ESG & CSR Initiatives and Impact Healthcare Disability Inclusion Additional Impact Areas Include 18 Major impact partners 8 Impact partners Maktab Qila Saifullah, Balochistan sponsored Dedicated healthcare for the year 2025 Holistic health care facilities block for 450+ patients supported across all
Slide 34: Our Impact Partners
Our Impact Partners 33 | Corporate Briefing Session
Slide 35: Key Business Risks
Key Business Risks 34 | Corporate Briefing Session
Slide 36: Key Business Risks
Key Business Risks Credit risk is the identification of probability that a counterparty will cause a financial loss to the Bank due to its inability or unwillingness to meet its contractual obligation. This Credit Risk credit risk arises mainly from both direct financing activities as well as contin
Slide 37: Questions & Answer Session
Questions & Answer Session 36 | Corporate Briefing Session
Slide 38: Thank You
Thank You faysalbank @)
Slide 39: Annexures
Annexures 38 | Corporate Briefing Session
Slide 40: Balance Sheet – Trend Analysis
Balance Sheet – Trend Analysis Amounts in PKR Mn Dec'20 Dec'21 Dec'22 Dec'23 Dec'24 Dec'25 5Yr CAGR Cash and Bank balances 62,760 62,034 58,916 85,849 108,077 110,590 12.0% Due from financial institutions 2,985 - 9,815 - - - - Investments 276,930 357,471 469,451 589,545 677,372 634,940 18.1% Financi
Slide 41: Profit and Loss – Trend Analysis
Profit and Loss – Trend Analysis Amounts in PKR Mn Dec'20 Dec'21 Dec'22 Dec'23 Dec'24 Dec'25 5Yr CAGR Profit / return earned 55,922 53,869 104,521 189,448 225,052 165,934 24.3% Profit / return expensed (31,388) (28,035) (64,533) (118,395) (144,669) (96,308) 25.1% Net profit / return earned 24,534 25
Slide 42: Important Information
Important Information This presentation is prepared for information purposes only, is not and does not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basis of or be relied on in connection with