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Reflections of Excellence
Annual Report 2025
Aks-e-Kamaal
Reflections of ExcellenceWhere Legacy Meets Light.
True excellence is a
reflection-a quiet harmony between the values we hold and the future we build. Just
as the Faysal Masjid stands as a testament to symmetry and grace, our path is guided by a geometry of faith that remains timeless.
Aks-e-Kamaal captures this essence. It is the art of
mirroring our heritage in every modern endeavor. As light
transforms the horizon from dawn to dusk, we reflect a
legacy of integrity, shaping a progress that is as luminous as it is enduring.
Annual Report 2025 1
Contents
04
SECTION 1
Organizational Overview and External Environment
36
SECTION 2
Strategy and Resource Allocation
50
SECTION 3
Risks and Opportunities
58
SECTION 4
Sustainability Reporting and CSR
88
SECTION 5
Governance
164
SECTION 6
Analysis of the Financial Information
2 Faysal Bank
184
SECTION 7
Business Model
188
SECTION 8
Disclosures on IT Governance and Cybersecurity
192
SECTION 9
Future Outlook
196
SECTION 10
Stakeholders Relationship and Engagement
204
SECTION 11
Financial Statements
480
SECTION 12
Other Information
Annual Report 2025 3
Organization Overview
and External Environment
4 Faysal Bank
Sheikh Zayed Mosque, UAE
Section 1
Chairman's Message 6
Mission, Vsion and Core Values 8
Code of Conduct & Code of Ethics 10
Ownership structure 11
Product & Services 12
Our Network 27
Organisational Structure 28
Corporate Information 30
Our People 31
History of Major Events 32
Detail of Significant events 34
Annual Report 2025 5
Key Message from the Chairman
Respected valued shareholders, customers and other stakeholders.
It is a privilege for me to present the Annual Report of Faysal Bank Limited ("FBL or Bank") for the year 2025.
As one of Pakistan's leading Islamic financial institutions, FBL continues its purposeful journey of transformation, delivering structured growth, operational resilience, and steady advancement in Shariah-compliant banking.
The year 2025 presented several macro-economic challenges, marked by subdued GDP growth, lower foreign direct investment and imposition of several regulatory and taxation related measures which had a direct impact on the profitability of the Banking sector, especially Islamic banks. The policy rate was averaged from 21% in 2024 to 11.5% in 2025, enhancement of the tax rate on banking sector companies, and revision of formula which enhanced the 'minimum deposit rate for the depositors managed by Islamic banks.
Despite these headwinds, FBL's financial position remained robust with total assets increasing to Rs 1.8 trillion, total deposits increasing to Rs 1.4 trillion, and Consolidated Profit after tax for the year 2025 is at Rs 22.5 billion. Additionally, FBL has also realized gains directly in equity amounting to Rs. 1.5 billion during 2025. Capital adequacy remained comfortably above regulatory requirements. These outcomes underscore the strength of our business model and our ability to create sustainable value across economic cycles through high quality balance sheet growth and a focus on strategic targets related to network expansion, technology led efficiency and customer's experience.
FBL remained one of the best banks in Asia Pacific region in the local equity market and generated 115% total return to the investors during the year 2025 as devised by Standard & poor. Therefore, our transformation continues to be supported by disciplined expansion and our branch network grew to 900 branches by Dec 2025. This expansion enhances financial access and inclusion, ensuring that Islamic banking solutions are available to communities across Pakistan.
Digital transformation remains a cornerstone of our strategy. We continued to invest in upgrading our digital platforms, strengthening cybersecurity, and expanding payment
solutions to deliver a seamless and secure customer experience. During the year, several initiatives were taken to enhance customer engagement, improve efficiency, and strengthen our risk management framework.
The Bank continues to play a meaningful role in financial inclusion and economic empowerment. Our focus on individual accounts, women's banking, SMEs, and corporate entities reflects our belief in inclusive growth through tailored solutions. Moreover, FBL encourages various entrepreneurs and businesses, irrespective of their size and volume.
The Bank has been recognized through numerous awards and has won the coveted 'Best Mid-Sized Bank Award' at the 2025 Pakistan Banking Awards. Furthermore, in remittances, FBL has been recognized by the State Bank of Pakistan (SBP) as the 5th largest contributor to the country's remittance market in the Banking sector under its Pakistan Remittance Initiative (PRI). These awards highlight FBL's excellence and growing leadership, reflecting trust and confidence placed in the Bank by its valued customers both in Pakistan and abroad.
Looking ahead, FBL has completed development of a comprehensive new Five-Year Strategic Plan (2026-2030) which aims to position the bank as a top-tier performer in the industry, In Sha'a Allah with a clear focus on sustainable growth, innovation across customer segments, and excellence in Shariah-compliant banking. By strengthening through additional Tier II Capital and expanding our branch network, we are building a foundation for resilient and sustained growth. In addition, our digital transformation continues to gain momentum. To streamline processes and informed decision-making, ensuring the Bank remains competitive in all areas and inclined to use AI tools.
FBL would like to assure our stakeholders that our focus on Islamic Banking principles remains unwavering. Guided by our esteemed Shariah Supervisory Board ensuring that all products and services adhere to the highest standards of Shariah compliance, ethics, and social responsibility. This foundation enables us to serve our customers with integrity and sustainability.
FBL is an integral part of the Dar Al-Maal Al-Islami Trust Group and Ithmaar Group, which is fully committed to support its ongoing expansion through management continuity and focus on implementation of the five-year strategic plan through brining in best international practices and support in development of world class products and services tailored to customer needs.
6 Faysal Bank
Guided by Islamic values, FBL continued to support education, healthcare, and community development initiatives. In alignment with national priorities, updated its Green Banking Policy, reaffirming our commitment to environmental, social, and governance (ESG) objectives and allocated an amount of Rs 139 million to our partnership with key charities.
I would like to express my sincere gratitude to the State Bank of Pakistan for its guidance and support, to my fellow Board members for their stewardship, to the Shariah Supervisory Board for its continued guidance, and to our management and employees for their dedication and professionalism. I am equally grateful to our shareholders and to our customers for their enduring trust and the confidence reposed.
Thank You,
Mian Muhammad Younis, Chairman, Board of Directors
Annual Report 2025 7
Vision
To be the best customer centric Islamic bank, driven by passion and belief.
Mission
Achieve leadership in providing Shariah compliant financial services with customer care and employee focus, at the heart of our business ethos together with innovation and technology being the pillars of our growth.
Values
8 Faysal Bank
Annual Report 2025 9
Code Of Conduct on Corporate Website
https://www.faysalbank.com/assets/documents/Code-of-Conduct.pdf
Code of Ethics
FBL's Code of Ethics establishes the expected standards of conduct for all employees and provide guidance in fulfilling their professional obligations. Aligned with Faysal Bank's Core Values, the Code supports and strengthens FBL's Vision by fostering behaviors consistent with ethical principles. The Code is designed to prevent workplace misconduct and promote an ethical culture by requiring employees to:
Comply with FBL's policies, regulatory instructions and applicable Shariah guidelines.
Demonstrate integrity and honesty in all circumstances.
Treat others with care and respect.
Avoid conflicts of interest.
Respect confidentiality and safeguard sensitive and proprietary information.
The comprehensive Code of Ethics, which requires staff acknowledgment, is accessible to all employees through FBL's Intranet and Learning Management System. It covers a wide range of ethical themes and clearly outlines FBL's expectations regarding customer and employee interactions. The Code also provides guidance on identifying, handling and raising concerns related to misconduct, including harassment, discrimination, bribery and corruption. Furthermore, it promotes the diversity, equity & inclusion, workplace safety, corporate social responsibility, responsible use of social media etc. Additionally, the Code specifies FBL's Speak Up channels, offering employees a confidential platform to report misconducts and wrongdoings without any fear while ensuring strict confidentiality throughout the process.
Ownership Structure
Ithmaar Bank
At KSBL Executive Education, every program begins not in a classroom, but in the boardroom, on the factory floor, and across the meeting tables of Pakistan's most dynamic organizations. Our curriculum development process is grounded in a systematic, evidence-driven methodology that ensures every learning experience is directly relevant to the challenges executives face today.
Faysal Bank Limited (Holding Company)
Faysal Bank Limited was incorporated in Pakistan in October 1994 as a public limited company. Its shares are listed on the Pakistan Stock Exchange Limited. The Bank is mainly engaged in Conventional and Islamic Corporate, Commercial and Consumer banking activities.
Faysal Asset Management Limited (Subsidiary) 99.99%
Faysal Asset Management Limited (FAML) was
incorporated in Pakistan in August 2003 as an
unlisted public limited company. FAML is a Non-Banking Finance Company (NBFC), licensed to carry out asset management and investment advisory services. It currently manages various conventional and Shari'ah compliant open end investment schemes.
Faysal Asset Management Limited (Subsidiary) 99.99%
Faysal Islami Currency Exchange Company (Private) Limited was incorporated in Pakistan in January 2024 under the Companies Act, 2017 ('the Act'). The Company is a Non-Banking Finance Company (NBFC) and has licensed to operates as an exchange company and is engaged in the business of dealing in foreign exchange from individuals; facilitate remittance for individuals, educational institutions and hospitals.
The Group also considers various Shari'ah complaint open end funds managed by FAML as its Associates. The country of establishment in respect of all the funds is Pakistan. Further, all the funds are individual open-end schemes and have been established by execution of trust deeds between FAML and the Central Depository Company of Pakistan Limited (CDC) as the Trustee.
Product and Services
Consumer Finance
Unsecured Business
A comprehensive range of Islamic consumer banking products tailored to meet the distinct needs of diverse customer segments keeping customer centric approach in view.
Faysal Islami Cards
Noor Card
The Faysal Islami Noor Card is Pakistan's first Shariah-compliant card, structured on the principles of Tawarruq. It offers widespread acceptance at over 15,000 local merchants and more than 24 million locations worldwide across 210 countries. Equipped with advanced Chip and Contactless technology, the card ensures secure, fast, and convenient transactions.
The Noor Card also features an exclusive Reward Redemption program, allowing cardholders to access rewards instantly. With its enhanced features and broad acceptance, the card delivers superior purchasing power and a seamless payment experience.
To cater to varying income segments, we have a diverse line of card products:
Velocity & Blaze: Entry-level cards designed to encourage customer engagement and serve as effective cash alternatives.
Titanium, Platinum & World: Fully equipped with premium benefits, targeting the affluent segment, these cards offer exclusive services and discounts for travel, shopping, and dining experiences.
The Faysal Islami Noor Card provides added financial flexibility through 0% installment plans, Banker's Cheques, and Balance Transfers, all accessible via a 24/7 Call Centre.
Noor Flexi Card
The only Tawarruq based card in the industry which allows 100% cash withdrawal of limit without transaction based and upfront charges. This card also offers same kind of discounts and benefits like Noor Card.
Debit Card
Faysal Bank's range of Islamic debit cards is designed to serve multiple customer segments, thoughtfully crafted with features and discounts, each variant offers a rich set of benefits. These cards empower account holders by providing convenient and secure access to their funds.
A new variant, PayPak Mastercard Co Badged card has been added to debit card suite. The card features domestic as well as international payment scheme, focusing on
promoting domestic payments scheme without compromising on acceptance. Faysal Bank takes pride in introducing this first ever Co Badged product in Pakistan. To show commitment to our responsibility towards environment, the card is made with recycled plastic. Faysal Bank also introduced a USD Debit Card, specifically designed for individual customers allowing them to access their funds 24/7 to keep their evolving needs in mind.
Faysal Islami Personal Finance
Launched in January 2022, Faysal Islami Personal Finance is a Shariah-compliant solution based on the Tawarruq structure. This limit-based facility offers eligible individuals a convenient and affordable financing option to meet personal needs such as education, weddings, and medical expenses.
Faysal Takmeel Financing
Faysal Takmeel is a Riba-free, Shariah-compliant financing solution based on the Musawamah structure, designed to facilitate the purchase of durable goods such as home appliances, generators, air conditioners, LED monitors, Mobile phones laptops, Motorbikes, Electric bikes and more.
Secured Business
Wide range of Secured Financing products are available to cater various market segments and their distinct needs.
Home Finance - We help you unlock your dreams
Faysal Islamic Home Finance is based on the principles of Diminishing Musharakah. This is a medium and long term financing product, where the Bank and the customer jointly purchase an asset and create joint ownership in the asset. The Bank rent out its share in the asset to the customer while the customer periodically purchases units of ownership in the asset from the Bank. After purchase of all the units the customer becomes the sole owner of the asset.
Home Buyer
Home Builder/ Plot + Construction
Home Renovation
Home Re-finance
Mera Ghar Mera Ashiana - Government Profit Subsidy Scheme
In alignment with the Government of Pakistan's vision to promote affordable housing, Faysal Bank offers Mera Ghar-Mera Ashiana - a Subsidized Housing Finance Scheme designed to facilitate homeownership through Shariah compliant financing.
This scheme enables customers to access financing for the purchase or construction of residential property on flexible and affordable terms. The facility is structured for low and middle income segment, under the Islamic mode of Diminishing Musharakah, offering an Riba free housing need solution.
Through Mera Ghar-Mera Ashiana, Faysal Bank reaffirms its commitment to helping their customer achieve their dream of owning a home with convenience, affordability, and Shariah compliance.
Car Finance - Drive your Dream Car Today!
Faysal Islamic Car Finance is based on the principles of Diminishing Musharakah. This is a medium and long term financing product, where the Bank and the customer jointly purchase an asset and create joint ownership in the asset. The Bank rent out its share in the asset to the customer while the customer periodically purchases units of ownership in the asset from the Bank. After purchase of all the units, the customer becomes the sole owner of the asset.
Residual Value Financing
1 & 2 Year rent only plan
Secured Islamic Personal Finance - Let your Car take care of your Personal Financing needs!!
It is a limit-based financing with collateral (i.e. car) that facilitates customers by providing a comprehensive, affordable and hassle-free financing option. 100% Shariah Compliant & Riba Free Solution - Facility based on the Islamic concept of "Tawarruq", to address customer's immediate needs
It is extended to customers for multiple purposes such as;
Education
Medical
Marriage
Priority Banking
As a Faysal Priority Customer, we are committed to delivering an enhanced banking experience while supporting our customers in achieving their financial objectives. The Faysal Priority Banking proposition is designed to provide differentiated service, convenience, and access to exclusive facilities.
Priority Banking Experience
Unlimited access to Faysal Priority Lounges and dedicated facilities across the country, offering a premium environment that combines personalized service with efficient transactional support to meet customers' financial needs.
Priority Care Services
A dedicated Priority Relationship Manager
Quick processing of account opening and service requests
Dedicated 24/7 Priority Helpline - 021 111-11-71-71
Priority Services at branches with Priority Debit Cards -no waiting in queues
Exclusive Benefits:
Free Tax Filing & Advisory Services:
Faysal Priority clients receive professional support for accurate and timely tax filing, payment assistance, two personalized consultation sessions per tax year, and a 15% discount on selected tax services.
Hospitalization Benefits with Exclusive Maternity Coverage:
Faysal Priority offers industry-first hospitalization limits to its Priority customers, and female Priority customers enjoy additional protection with coverage for maternity related hospitalization, ensuring peace of mind for both medical and financial needs.
Complimentary Priority Membership for Immediate Family Members:
Priority Banking privileges aren't limited to the account holder. Immediate family members (parents, spouse, and up to 3 children) can also enjoy the benefits of Priority Membership and access to exclusive services and privileges.
Transactional Privileges
Host of free services, such as Unlimited Free Cheque Books, Free SMS Alerts, Free Demand Drafts and Pay Orders, Free Intercity Cheque Clearing, Inter Bank Funds Transfer (IBFT), 50% waiver on Annual Locker Rental, and many more.
Faysal Priority Platinum Debit Card
As a Faysal Priority customer, you are entitled to a complimentary Faysal Priority Islamic Platinum Debit Card that comes equipped with a suite of features and benefits designed to match your exclusive lifestyle. Enjoy discounts at more than 300 retail outlets across Pakistan.
Faysal Islami Priority World Debit Card
Faysal Islami Priority World Debit Card, exclusively for our HNW Priority Banking customers, which carries a lot of prestige with unlimited embedded benefits and is designed to meet the lifestyle needs of our Priority customers.
Customers can enjoy exclusive benefits with their Faysal Islami Priority World Debit Card, which include:
Accessibility in more than 200 countries worldwide.
Enhanced Transactional Limits
Access to complimentary Airport Lounges
Discounts up to 50% on Dining, Health, Fitness & Lifestyle
Free International Travel Insurance
Travel with Comfort
Exclusive access to over 135+ airport lounges internationally using MasterCard Airport Pass App.
Valet Services
Free Valet Parking facility at our Priority Lounges for Priority Banking customers.
Wealth Management
Faysal Bank offers its customers an extensive menu of Wealth Management solutions tailored to suit their needs. Faysal Bank partners with the best Takaful/Window Takaful Operations providers from Pakistan for its Third-Party products to offer its customers, one of the most robust propositions in the industry, we are ideally positioned to meet all your financial needs based on their individual risk appetite and expectations.
BancaTakaful Solutions
During the course of your financial life, you face an inherent uncertainty and risk associated with your health and well-being. To ensure your continued peace of mind we offer you a wide array of Shariah compliant saving and protection products to help achieve your financial goals in life.
Saving and Protection Plans
Our Saving and Protection plans have been developed under distribution agreements with some of the leading life Takaful providers in Pakistan. Our suite of BancaTakaful solutions is tailored to allow you to save on a regular basis and plan towards achieving your life's goals. These plans provide you a high level of Life Takaful coverage in order to safeguard the future of your loved ones while at the same time directing your savings towards professionally managed funds which offer you positive returns against your investments. All products have the flexibility to be customized to cater to customer's specific needs. Whatever their requirements, we have the right solution for them!
Health Takaful
Our health is our greatest asset and with the increasing cost of health care, it is essential to plan ahead to ensure the best possible health care for ourselves and our loved ones. Faysal Bank offers you a diverse selection of Health Takaful solutions developed in association with
the leading Health Takaful companies in Pakistan. Our products are designed to provide you comprehensive health coverage at leading network hospitals across the country to give our customers the peace of mind that they truly deserve. Furthermore, we have introduced the Industry's First Dental Plan for our customers to address their dental treatment needs
Life Takaful
In order to provide financial security and a stress-free lifestyle to our customers, Faysal Bank has introduced, Shariah Compliant Takaful plans under the distribution agreement with selected Takaful operators. By simply paying a very nominal amount, you can now avail a significant Takaful coverage on an annual basis to safeguard the needs of your loved ones. These Takaful policies provide you full life coverage in the event of accidental or natural death. The enrollment process is simple and does not require any medical check-ups. All that the customers need to do is call our helpline.
General Takaful
Faysal Bank's product menu offers you a multitude of general Takaful products under the distribution agreement with selected Takaful partners to cater to all your personal and business needs. Whether you need to travel, protect your business structure, or ensure safety of your wallet contents, we have the right solution for our customers.
Digital Health Solution
Oladoc - Aapki Sehat ka
Sathi provides a digital platform for medical consultation, scheduling appointment with doctors, lab test booking, medicine delivery and many more healthcare facilities on just a touch of few clicks. It gives you free/paid Online Consultation Session option with over
25,000+ Doctors across all the categories, for you and your Family members.
Investment Products
In order to support you towards better managing your financial portfolio and to further grow your wealth, we offer you a full menu of Shariah compliant mutual funds through our distribution partner Faysal Funds (a subsidiary of Faysal Bank Ltd.). Based on your individual risk appetite and investment goals, you can select the right investment solution to enter your market of choice and make healthy returns! In addition to investment benefits, these mutual fund placements also entitle you to tax benefits in line with prevalent tax laws. With multiple open-ended and closed-ended funds and varying investment strategies, you can easily find one best suited to your financial needs!
Corporate Banking
Faysal Bank's Corporate & Investment Banking Group (CIBG) is fully geared to meet the challtenges of the dynamic economic environment in Pakistan. Our aim is to fuel growth and progress by filling in the role of financial advisors and financiers by providing a range of diverse financial services (including tailor made solutions) to corporate clients by partnering with them and build long term sustainable relationships.
Our in-house expertise of product specialists is well versed in providing financing solutions to meet our customer's credit, trade, foreign exchange, investment banking and various other business requirements in a hassle free, effective and efficient manner across a diverse range of industries.
Financing options include working capital loans, term loans, trade based finance services (letters of credit, foreign & local currency trade bill discounting, guarantees, import & export loans and Export Refinance and Long Term Finance), financing under SBP schemes and furthermore, depository options are also offered under various schemes.
It also includes arrangement of cross border trade confirmations and trade related commercial & country risk syndications. Our onshore specialized trade services include supply chain solutions for our corporate customer base, including vendor/ supplier & distributor focused structured trade financing solutions.
Our Corporate Banking relationship teams also liaison with Treasury, Cash Management, Trade, Investment Banking and Consumer Banking departments to develop and deliver offerings that are used across diverse businesses.
Investment Banking
FBL offers full suite of Investment Banking services ranging from equity & advisory, syndications and debt capital markets to Project and structured finance. FBL's Investment Banking works in close coordination with Corporate and Retail Banking to facilitate their clients with its services.
Project & Structured Finance (PSF):
Project & Structured Finance team provides advisory and debt arrangement services for structuring and financing of long-term greenfield and brownfield projects on non-recourse or limited recourse basis. The PSF team offers advisory, structuring, execution and monitoring services for projects of national and strategic significance across various sectors of economy.
Syndications & Debt Capital Markets (DCM):
The Syndications & Debt Capital Markets team offers a variety of highly customized products to a diverse set of customers as per their needs. These requirements may include medium to long-term financing for capital expenditure, capacity expansion and mergers & acquisitions.
FBL's DCM team also enables credit risk distribution with other financial institutions through syndicated financing arrangements along with speedy access to local and offshore debt capital markets.
Equity & Advisory (E&A):
Our E&A desk provides sell-side and buy-side advisory on merger & acquisition (M&A) transactions, facilitates in business valuations & price discovery along with providing access to equity capital markets. This includes underwriting services for initial public offerings (IPOs), right shares etc. Moreover, FBL has also acted in its capacity as the Bankers to the Issue (BTI) for various transactions.
Cash Management
Smart Payments & Collections Solutions
Range of Transaction Banking solutions is a comprehensive suite designed to help Corporates/Retail & CBSME Banking to streamline payments, collections, and cash flows through secure, efficient, and digitally enabled cash management capabilities, ensuring end-to-end control, straight-through processing, and regulatory compliance.
Collections Solutions:
Digitize, automate, and gain full control over your receivables, hence, following is the comprehensive suite of collection products:
Faysal Transact OTC Collections:
Over-the-counter collections facilitated through Faysal Bank branches for seamless customer payments.
Cash / Cheque Pick-up & Delivery (CIT):
Secure and convenient physical cash and cheque collection services from client premises.
Right Issue / IPO / Bonus Shares Tax Collections: Specialized collection services for capital market-related subscriptions and statutory tax payments.
E-IPO Processing:
Digital IPO subscription processing through integrated electronic channels.
E-Collections:
Electronic collection solutions integrated with client systems for automated reconciliation.
Standing Instruction via Debit Authority (SIDA -Upgraded):
Enables clients to independently initiate, manage, and monitor automated debit collections directly through digital channels, enhancing efficiency and reducing operational dependency.
ID-Based Collections:
Collection mechanism based on unique customer identification, ensuring accurate posting and traceability.
Payment Services:
Corporate Cheques & Payment Orders (PO): Traditional and secure instruments for corporate disbursements.
Internal Transfers:
Instant fund transfers within Faysal Bank accounts.
Inter Bank Funds Transfer (IBFT):
Real-time interbank fund transfers across the banking network.
RAAST:
Instant, low-cost digital payments via SBP's instant payment system.
Real Time Gross Settlement (RTGS):
High-value, time-critical payments processed through SBP-managed RTGS.
Utility Bill Payment (UBPS):
Centralized payment of utility bills through integrated platforms.
Cash Payout (COC):
Controlled cash disbursement services for corporates.
E -Dividend Payouts:
Efficient and compliant dividend distribution to shareholders.
Payroll Proposition:
End-to-end salary disbursement solutions with automated processing and reporting.
Home Remittance
Faysal Bank Limited (FBL), one of Pakistan's largest Islamic banks and the only Islamic bank ranked among the top five in the remittance business, offers state-of-the-art solutions for managing home remittances. Designed to meet the diverse needs of cross-border customers, FBL ensures secure, reliable, and seamless money transfers through its global network of long-term partners. Customers benefit from the convenience of instant and same-day fund transfer facilities via multiple secure payment modes:
Cash-over-Counter payments for walk-in customers at Faysal Bank branches
Partial Payment Option - Cash-over-Counter (COC) -FBL customers receiving Cash over Counter remittances can either take partial cash or directly credit the full amount into their FBL account.
Instant Account Credit to Faysal Bank account holders
Instant Account Credit to 1Link member bank accounts via IBFT, including wallet payouts
Same-Day Account Credit to other bank accounts through PRISM / RTGS
Strategic Initiatives:
Faysal Bank is one the leading innovative Banks in the country, with a strong commitment towards digitization of customer experiences. The Bank's focus has been on creating a continuous innovation cycle especially in the payments landscape through digital solutions, products and platforms with the aim of asserting its position as the #MostInnovativeIslamicBank.
Retail Banking
Faysal Bank provides customers with a wide range of Islamic Deposit Products for their daily banking requirements that comply with Shariah Principles. Our products are designed with a clear focus on meeting customer needs and requirements across both personal and business banking. From simple day-to-day accounts to high value investments, you can choose the product that suits your needs the best to get attractive halal returns. Retail Liability Products also provide you maximum flexibility, transactional convenience, and easy access to your funds through our Nationwide Online Faysal Islami branches, ATM network, Debit/Virtual Cards and through Faysal Digibank.
Islamic Current Deposit Accounts
Our value-added Islami current account products enable you to derive benefits from your deposits. Current Account products are a suitable solution for individuals as well as business entities looking for a checking account based on Islamic Financing Principles. Islami Current Accounts are based upon Qard, (Loan on demand) and Remunerative Mudarabah principles which make products free of Riba (interest), and the principle is guaranteed to the depositor.
Islamic Savings Accounts
Our Islamic Savings accounts are opened on the basis of 'Mudarabah', where Faysal Islamic Banking is the 'Mudarib' (manager of the funds) and you, the customers are the 'Rabb-ul-Maal' (owner of funds). These deposits are deployed in Shariah compliant modes such as Ijarah, Murabaha and Musharakah, etc. The rate of profit on your deposit will be determined through Shariah approved mechanism for calculation of weightages which will be announced at the beginning of each calendar month and shall be applicable for that month only. Faysal Islamic Saving deposits will share in the profit earned by the Islamic Banking Branches of Faysal Bank. Losses, if any, will be shared in the proportion of investment by each depositor. Monthly weightages for profit distribution shall be calculated and displayed at all Faysal Islamic Banking branches as well as our website.
Term Deposit Products
Faysal Islami Investment Certificates offer you convenient financial solutions under the arrangement of 'Mudarabah,' where Faysal Banking is the 'Mudarib' (manager of the funds) and you, the customers, are the 'Rabb-ul-Maal' (owner of the funds). These deposits are deployed in Shariah- compliant modes such as Ijarah, Murabaha, and Musharakah. The rate of profit on your deposit will be determined through a Shariah approved mechanism for calculation of weightages which will be announced at the beginning of each calendar month and shall be applicable for that month only. Faysal Islami Investment Certificates will share in the profit earned through financing in different Islamic modes of financing. Losses, if any, will be shared in the proportion of investment by each depositor. Monthly weightages for profit distribution shall be
calculated and displayed at all Faysal Islamic Banking branches as well as our website.
Faysal Islami provides an extensive range of Current, Saving, and Term Deposit products tailored to meet the diverse transactional and investment needs of our customers. The following section outlines the details of our Islamic Banking products, designed to cater to various customer segments.
Current Account Product Suite
Bakamaal Karobar Account
Bakamaal Karobar account is a Shariah-compliant, Qard based business account designed to cater to the diverse needs of businesses across Pakistan from small merchants to large enterprises. The account offers tailored solutions for merchant segments, supported by comprehensive payment collection options including QR payments, POS machines, IPG, and Faysal Transact. Customers enjoy essential free banking services along with Pakistan's first Shariah-compliant Business Debit Card. This account also enables merchants to expand digitally through seamless onboarding to Faysal DigiMall.
Hamara Pakistan Remittance Account
Hamara Pakistan Remittance Account is a Mudarabah based, innovative banking solution designed to simplify and formalize the remittance experience for individuals receiving home remittances through cash over the counter. This pioneering initiative enables customers to instantly open a bank account at the teller counter while collecting their remittance, redefining the traditional remittance-to-banking journey.
With a fully digital, paperless, and seamless onboarding process, the account promotes financial inclusion while offering attractive benefits such as welcome bonus, cashback on remittances, and complimentary health card with hospitalization coverage reinforcing the Bank's commitment to customer-centric innovation and accessible Islamic banking solutions.
Rehmat Individual Account
Faysal Islamic Rehmat account opened on the basis Mudarabah embraces the Islamic value of compassion (Rahma). Upon maintaining a Rehmat Individual Account, Faysal Bank pays for the treatment of underprivileged patients without any deductions from the customer's account. Moreover, customers can enjoy a host of unmatched free services and transactional benefits for all Individual needs.
Rehmat Business Account
The Rehmat Business Account is a Shariah-compliant solution designed to streamline business operations by offering tiered transactional benefits and a unique social impact feature where the bank funds medical treatments for
the underprivileged based on the customer's relationship. The account provides a wide range of complimentary services that scale with the maintained balance, starting from Basic Waivers for essential needs like cheque books and online banking, moving to the Plus Tier which adds gold debit cards and comprehensive Takaful coverage, and culminating in the Premium Tier for high-balance holders which offers exclusive perks such as platinum cards, cash collection services, free lockers, and waived fees for trade-related instruments like Letters of Credit and Guarantees.
Asaan Current Account
Asaan Current Account is designed for unbanked and underbanked segment or the low-income group. Asaan Account can be opened with a single CNIC. There is no minimum balance requirement in Asaan accounts. Faysal Islamic Asaan Account is an easy solution for individuals who are looking for banking needs in a secured manner. Moreover, it is opened on the basis of Qard (loan).
Amal Women -Current Remunerative Account
Faysal Bank is committed to empowering women through financial independence. The Amal -Current Remunerative Account offers a range of exclusive benefits, including unlimited transactions, customized debit cards, and discounts on various products and services. Product offers free banking features like cheque books, pay orders, SMS alerts, and access to dedicated female branches. Additionally, it offers women financing facilities and Takaful coverages, designed to empower them and support their financial journey.
Mahir I.T Exporter & Freelancer Current Account
Faysal Islami Mahir I.T. Exporter & Freelancer Account is a Shariah-compliant, tailor-made banking solution designed to meet the specific needs of freelancers and IT exporters engaged in digital and online services, including IT and IT-related companies operating in Pakistan, while enabling them to earn foreign currency from anywhere in the world. The account comprises a Qard-based PKR Current Account (Primary Account) along with a linked Foreign Currency (FCY) Non-Checking Retention Account, allowing up to 50% retention of foreign currency earnings. Additionally, the account offers both USD and PKR debit cards, ensuring a seamless and efficient banking experience for freelancers and IT exporters.
Tez Tareen Asaan Remittance Account
Faysal Islamic Tez Tareen Asaan Remittance Account is a remunerative current account based on the principle of Mudarabah, specifically designed to receive remittances from abroad directly. Customers can withdraw/ transfer funds, pay bills, check account balance using ATM, branch counter, Internet and Faysal Digibank Mobile App.
Basic Banking Account
Basic Banking Account is a Shariah-Compliant current account that provides customers the comfort of banking in a secure and customer friendly environment. Opened on the basis of Qard. No minimum balance maintenance charges are required and has 2 free deposits and 2 free withdrawals per month through cash/clearing.
Barkat Current Account
A transactional account that provides the ease of conducting unlimited transactions with frequent access to funds based on Islamic Financing principles. This account is based upon Qard (Loan on demand) which makes it free of interest and the principle is guaranteed to the depositor.
Free Banking Services
Faysal Bank offers comprehensive free banking services on all Current Accounts to enhance customer convenience and accessibility. These services include free cheque book issuance, pay orders, and online branch banking. Free PayPak Debit Card issuance and free SMS alert services are also available for the first year. The offering is applicable to new Current Accounts opened from 14 July 2025 onwards and is structured in accordance with Qard and Mudarabah Shariah principles.
Saving Account Product Suite
Savings Account
An account that provides greater returns on your investments and is a suitable solution for individuals as well as business entities that are looking for competitive returns on their savings based on Islamic Financing principles. Opened on the basis of 'Mudarabah'.
Muntazim Savings Account
A saving account opened on the basis of Mudarabah that provides the comfort of saving, managing their day-to-day banking transaction needs with ease. in accordance with Islamic principles, enjoying Halal returns and managing day to day banking transaction needs with ease.
Asaan Saving Account
Asaan Saving account is designed for unbanked and underbanked segment or the low-income group. Asaan
account can be opened with just a CNIC. There is no minimum balance requirement in Asaan accounts. Faysal Islamic Asaan Account is an easy solution for individuals looking for banking needs in a secure manner along with halal returns.
Amal Women Saving Account
Faysal Islami Amal Women Saving Account is a Shariah Compliant saving account that provides women financial independence by offering Transactional Convenience, Health Benefits, Financing Facilities, Payment Solutions along with halal profits all under one roof.
Life Plus Savings Account
Faysal Islamic Life Plus Savings Account is a Shariah Compliant offering designed to cater to the financial needs of senior citizens for the maximization of their hard-earned savings. This account also provides unique health and hospitalization benefits through its Health Card feature.
Mubarak Safar Saving Account
Faysal Islami Mubarak Safar Saving Account is an ideal saving solution if one is planning to travel for Hajj or Umrah. Mubarak Safar Saving Account is a Shariah-compliant Mudarabah based saving account which helps in saving as per convenience and earn attractive halal profit on deposit.
Bakamaal Karobar Saving Account
Bakamaal Karobar Saving account is a Shariah-compliant, Mudarabah based business saving account designed to cater to the diverse needs of businesses across Pakistan from small merchants to large enterprises. The account offers tailored solutions for merchant segments, supported by comprehensive payment collection options including QR payments, POS machines, IPG, and Faysal Transact. This account also enables merchants to expand digitally through seamless onboarding to Faysal DigiMall.
Hamara Pakistan Remittance Saving Account
Hamara Pakistan Remittance Saving Account is a Mudarabah-based Islamic banking solution that allows customers to instantly open a paperless account at the branch teller counter using only their CNIC and a remittance receipt. This innovative service streamlines the remittance experience by offering an immediate PKR 500 welcome bonus, up to 2% seasonal cashback on transactions, and complimentary health insurance providing PKR 10,000 in daily hospitalization coverage for accounts maintaining a balance of PKR 30,000.
Term Deposit Product Suite
Barkat Investment Certificates
Faysal Islamic Barkat Investment Certificates provide customers with flexible financial solutions based on the
'Mudarabah' arrangement, with Faysal Bank acting as the 'Mudarib'. These certificates are available in a range of tenures from 1 month to 5 years, offering attractive returns. Customers also benefit from the option of premature withdrawal without any penalty charges, ensuring convenience and financial flexibility.
Life Plus Investment Certificates
Based on the principles of 'Mudarabah,' Life Plus Investment Certificates offer a Shariah-compliant investment opportunity, specifically designed for senior citizens to maximize their hard-earned savings. These certificates feature a 1-year tenure with the option to receive profits either monthly or at maturity, providing both flexibility and attractive returns for long-term financial security.
Trade
Faysal Trade Products
Faysal Bank provides all types of funded & non funded trade finance facilities to its clients. This includes opening of all types of L/Cs, advising, confirmation, documentary collection, and issuance of bank guarantees. Faysal Trade Products provide a wide range of standard as well as tailor-made products and solutions to trade customers from all walks of life. It includes:
Import Letter of Credit
Import Documentary Collection
Import Advance Payment
Import Open Account
Import Financing
Export L/C Advising & Confirmation Services
Export Bills for Collection
Export Advance Payments
Export Bills Negotiation
Currency Salam
(alternate for Export Bill Discounting)
SBP Refinancing Schemes for Short Term/Long Term Financing
Bid Bond Guarantee
Performance Bond Guarantee
Advance Payment Guarantee
Financial Guarantee
Faysal Barkat offers following Trade services
Faysal Barkat offers a wide range of import and export services to effectively manage customers' local and global supply chain needs and provides them a competitive edge. These facilities extend for both raw materials to fixed assets. Services that are offered include:
Export L/C Advising
Faysal Barkat offer Export Letter of Credit Advising to existing and non-customer enabling exporters for onward negotiation of their export documents. Enjoy greater security and convenience with Faysal Letter of Credit Advising. We authenticate your inbound Letter of Credit, providing you with assurances that it comes from a genuine source. We also offer greater convenience by notifying you upon its arrival.
Bill for Collection under Export
Faysal Barkat offer services for handling export bills on collection basis to our client & facilitate the flow of payment with our Outward Bill Collection. We act as a professional agent to collect payments from the buyer's bank on customer's behalf.
Currency Salam (alternate for Export Bill Discounting) Faysal Barkat offer Currency Salam for the exporters to improve their cash flow which allows the exporters immediate credit to their accounts while waiting for payment from the issuing bank. Our experts check export documents and if the documents are in order, customers can convert receivables into cash quickly and easily.
Waad (alternate of Forward Booking)
Faysal Barkat offers purchase of foreign currencies against trade transactions upon getting an offer and acceptance from client. Our expert team facilitates the exporters with expert advice to hedge their foreign exchange risk while foreseeing the foreign exchange volatility.
SBP REFINANCING SCHEMES FOR SHORT TERM / LONG TERM FINANCING
SHORT TERM WORKING CAPITAL FINANCING FACILITIES
Export Pre-Shipment and Post-Shipment financing on Islamic modes of financing (IERS/EXIM Part I & II)
Offers refinance facilities to Customers with an aim to support industrial growth and exports with the ultimate objective of promoting overall economic development of the country. SBP introduced special schemes under its refinance window to ensure adequate supply of financing at subsidized rates.
Financing is available to direct exporters including manufacturers, trading companies, new exporters and indirect exporters. Financing can be availed at pre-shipment and/or post-shipment stage against firm export contract / LCs.
Islamic Refinance Scheme for Working Capital Financing of Small Enterprises and Low-End Medium Enterprises The Islamic Refinance Scheme for Working Capital Financing of Small Enterprises and Low-End Medium Enterprises (IWCF) has been offered to Small and Low-end Medium Enterprises to cater to the working capital requirements of exporters.
LONG TERM PROJECT FINANCING UNDER ISLAMIC MODE OF FINANCING
Islamic Long Term finance facility (ILTFF)
Faysal Barkat offers Long Term project finance facility namely Islamic Long Term Financing Facility (ILTFF) for Imported and Locally Manufactured New Plant & Machinery to promote export led industrial growth in the country.
SBP Re-Financing Facility for Storage of Agricultural produce
Financing is available for local purchase /import of new plant & machinery/new generators used in Silos, Warehouses & Cold Storages facilities for storing Agricultural produce.
Bank Guarantee
A bank guarantee issued at the request of a customer may be defined as an obligation of the issuing bank to pay a sum of money in the event of non-performance or non-fulfillment of stated obligation by its customer. The guarantee is a separate obligation independent of the principal or the contractual relationship between the creditor and the principal debtor. Bank Guarantees are generally payable on first demand from the beneficiary made within the validity of the guarantee.
FBL offers the facility of issuance of guarantees to its customers generally in the following forms:
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Bid Bonds (GBB)
A Bid Bond substantiates the financial standing of a person submitting a bid. It is issued in connection with submission of a tender for supply of goods or services and its normal characteristic is an undertaking to pay to the beneficiary a fixed amount, generally a small percentage of the total value of the Order, within a stated period on his simple written demand if the applicant withdraws his obligations after acceptance of his bid.
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Performance Guarantee (PBG)
In a performance guarantee the Bank undertakes on behalf of a customer to pay a fixed amount, generally a higher percentage than the Bid Bond, in case the customer fails to discharge his obligations under a particular Order or contract. Upon issuance of Performance Guarantee the Bid Bond issued earlier for the same contract is returned and cancelled.
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Advance Payment Guarantee (GAP)
Contracts, particularly those awarded by government departments, agencies and autonomous bodies such as Water and Power Development Authority (WAPDA), K-Electric (KE) etc., sometimes provide for an advance payment to be made to contractors for purposes such as mobilizing manpower, material, and equipment and infra-structure facilities on site. In order to obtain this payment, the contractor is required to produce an advance payment bank guarantee. This advance payment is generally deducted proportionately from proceeds paid to the applicant for work done during the contract period.
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Shipping Guarantees (SGS & SGU)
A shipping guarantee is required by a customer (importer) when the ship carrying the consignment reaches the port of destination and discharges the goods before the Bills of Lading & other shipping documents are received at importer's bank.
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Financial Guarantee - Others (BGO)
Bank guarantees whose main characteristic is that it is an undertaking by the issuing bank to meet any claim from the beneficiary up to a fixed sum on simple demand stating that the named customer, on whose behalf the Guarantee is issued, has defaulted in timely payment or discharge of his specified liabilities. Other financial guarantees may be issued for the release of Retention money to the contractor before completion of a contract.
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Financial Guarantee - Financial Institutions Outside Pakistan (FGT)
A Guarantee to Financial Institutions outside Pakistan in the shape of a Bid Bond or Performance Bond issued by the Bank on behalf of customers dealing in exports, an Engineering or consultancy firm etc. to make good a loss incurred by the beneficiary abroad as a result of non-fulfillment of the contract obligations by the applicant within the specified period.
- Financial Guarantee - Financial Institutions within Pakistan (FGT)
A guarantee issued in favor of a financial institution within Pakistan to make good on first simple demand a default of the customer due to non-repayment of the finance extended by the financial institution within the specified period as incorporated in their mutual agreement up to a fixed sum.
Imports
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Letter of Credit
A Letter of Credit is an obligation taken by a bank (as the issuing bank) on behalf of a buyer of goods & services (the applicant) to pay a certain sum of money to the seller of such goods & services (beneficiary) if the documents called
for in the letter of credit are presented strictly in compliance with the terms and conditions of the Letter of Credit.
Letters of Credit activities are presently governed by International Chamber of Commerce Uniform Customs and Practices for Documentary Credits Publication No. 600 (2007 revision).
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Documentary Collection
Documentary collection is a form of trade finance in which an exporter is paid for its goods by an importer after the two parties' banks exchange the required documents. The exporter's bank collects funds from the importer's bank in exchange for documents releasing title to the shipped merchandise, usually after the goods arrive at the importer's location
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Import Advance Payment
Advance payment is a payment method in which the price of goods is collected in advance prior to the shipment of the goods which are subject to import and the exporter ships the goods, the payment of which is already made, to the importer later on.
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Open Account
An open account is an arrangement between a business and a customer, where the customer can buy goods and services on a deferred payment basis. The customer then pays the business at a later date.
- Import Financing
Import financing is a specialized Trade Finance Solution used to finance the purchase of goods which are being exported from one country for the purpose of being imported into another country.
Faysal Bank's Treasury Department embodies a client-centric ethos, deeply rooted in Shariah principles, and leverages its profound market acumen and comprehensive understanding of Islamic financial instruments to craft bespoke balance sheet solutions. Treasury offers an extensive array of Shariah-compliant Fixed Income and Foreign Exchange products, meticulously designed to address the diverse and dynamic financial requirements of its expansive clientele. By harmoniously integrating innovation and Shariah compliance, the Treasury Department ensures its offerings empower clients to achieve their financial objectives within a robust ethical framework.
Furthermore, the Equity Capital Markets desk within the Treasury Department plays a pivotal role in augmenting the capital base by generating risk-adjusted returns through a proprietary equity trading business, operating under a measured risk focus and a Shariah-compliant paradigm. In alignment with its vision of embracing digital
transformation and enriching customer experience, Faysal Bank proudly presents Faysal - Self Invest, a cutting-edge Shariah-compliant online trading platform designed exclusively for Faysal Digibank customers. This platform enables customers to independently manage their IPS investments while adhering to Islamic banking principles.
Such innovations, alongside the robust management of a proprietary equity portfolio, underscore the unwavering dedication to delivering innovative, Shariah-compliant financial solutions. Treasury continues to foster trust, excellence, and ethical values in Islamic digital banking, catering to the evolving needs of its customers.
Commercial & SME
Faysal Bank Limited (FBL) has made substantial progress in Commercial Banking and SME financing over the past five years, driven by a focused agenda within its Commercial Banking and SME (CBSME) department. This growth has been achieved through strategic models such as the Branch Led Model (BLM) and the Hub and Spoke Model.
The BLM model empowers selected branches to actively manage SME/Commercial -related activities (asset booking & trade services). In addition, the Hub and Spoke Model allows for creation of hubs in major commercial markets across the country to handle SME/Commercial Business concentrations. These hubs, which are strategically placed in key areas across the country, are staffed with dedicated Unit Heads and Relationship Managers. Through these strategic initiatives, FBL has enhanced the market presence, facilitated structural penetration, and improved team building, all contributing to a more effective service to the SME sector.
In terms of SME Product Suite, FBL continues to focus on innovation and customization for SMEs. The bank is working on introducing new financing products, such as program-based financing, cluster based financing, trade finance solutions, value-chain financing and Digital Financing Solutions.
FBL distinguishes itself by being one of the few banks in the market to create a product program model revolving around Supply Chain Finance (SCF). FBL emphasizes on strengthening the backbone of SME supply side of the value chain.
Moving forward, FBL will focus on executing a robust growth strategy which includes expanding product offerings, deepening its market reach, and ensuring SMEs have access to the right tools for growth and success.
Financing Facilities for Commercial & SME Enterprises
Working Capital Solutions
Short-term financing facilities are generally used by the businesses to finance their working capital requirements. These short term finance are intended to finance inventory, account receivable and seasonal business needs.
The short-term finance comprises of the following;
Murabaha
Running Musharakah
Istisna
Tijarah
Pledge Financing
Currency Salam Financing
Long Term Financing Solutions
Long Term finance facility (LTF) is offered for financing fixed assets like immovable properties i.e. land and buildings, machinery, vehicles etc.
The long term financing solutions consist of following;
Diminishing Musharakah-Fleet
Diminishing Musharakah-Machinery
Diminishing Musharakah-BMR
Trade Ease Solutions
Offering specialized and customized solutions to meet the unique needs of customers. We provide an extensive array of trade finance products designed to cater the demands of importers & exporters (Local & Foreign).
Faysal Bank provides the following trade related services to its valued customer under Shariah Compliant modes of finance:
Letter of Credit (Foreign/Inland)
Finance against Imported Merchandise (FIM)
Finance Against Trust Receipt (FATR)
Export Finance Facilities
Pre-shipment (own sources)
Post shipment (own sources)
Export Refinance Finance Facility under SBP
Bank Guaranteest
SME Product Suite
SBP Subsidized Financing Solution
By offering financial products and services with subsidized pricing or favorable terms, backed by subsidies from government entities; State Bank of Pakistan (SBP) or development agencies, the bank aims to address the challenges faced by SMEs in accessing affordable capital.
Currently, FBL is offering following list of subsidized and credit guarantee financing schemes for SME
Prime Minister's Youth Business & Agriculture Financing Scheme (PMYB&ALS)
Islamic Refinance Scheme for Women Entrepreneurs
Refinance Scheme for Working Capital Financing
Profit Rate Subsidy and Guarantee Facility for the Rice Husking Mills in Sindh
Islamic Export Finance Scheme (E-IEFS)
Islamic Refinance Facility for Modernization of SMEs (IRFMS)
Profit Rate Subsidy and Guarantee Facility for the Rice Husking Mills in Sindh
Islamic Export Finance Scheme (E-IEFS)
Islamic Financing Facility for Storage of Agricultural Produce
Ware-House Receipt Financing
Program-Based Financing Solution
These solutions are designed to address the unique challenges, requirements, and growth of SMEs operating in various industries and sectors.
List of customized financing solution financing programs are mentioned below.
Trade Finance Solution (Sight LC Initiative)
Faysal Fleet Financing
Islamic Share Financing - for Stock Brokerage House
Faysal Roshni - Solar Financing (subject to availability of SBP limit)
Islamic export refinance product program
Supply Chain financing
Supply Chain financing entails providing a structured finance facility to a SME based on the support of a parent/corporate entity. This facility is usually made available to businesses where stand-alone financing might not be warranted. However, an underlying credit support (a letter of support or an effective stop sale agreement) from a parent company/corporate entity, a structured facility could be granted to SME.
The structured supply chain financing may involve one or
more following arrangements:
Letter of Comfort / referrals from the parent company/corporate entity
Support of parent company/corporate entity on routing of cash flows (payments being made to suppliers) through us - assignment of receivables
Support by the parent company/corporate entity through delisting of defaulted supplier and helping banks in recovery efforts
Digital Financing Solution
Considering the importance of Digital Supply Chain Finance (DSCF) to strengthen SMEs) to strengthen SMEs FBL took the initiative of launching digital solutions for managing the SME Financing & Value Chain Financing. Faysal Bank is going to introduce the "Faysal Digital Financing Platform" for the following:
Digital Supply Chain Financing Solution (Distributor Financing/Vendor Financing)
Stand Alone SME Digital Financing.
Faysal Bank Limited's digital financing platform is strategically designed to cater target market in coming future:
The platform will engage clients who are already utilizing Faysal Bank's supply chain financing programs
NTB's whose data has been provided by the fintech.
Commercial/Small and Medium Enterprises (SMEs)
Export Finance via Digital Finance channel enabling indirect exporters and distributors to access working capital against export receivables digitally.
Islamic Digital Supply Chain Finance & Agri-Digitization Platform offering digital invoice, inventory, and supplier financing to both upstream and downstream partners
In Addition CBSME continues to promote and participate in offering non-financial services to SMEs
CBSME has actively conducted seminars, as well as participated in seminars/ awareness events & conferences conducted by SBP/ SME business associations.
Agri Banking
Faysal Khushaal Kisan
Faysal Bank offers a comprehensive range of Shariah Compliant financing products under its "Faysal Khushaal Kisan Scheme" to cater to all types of Farm and Non-Farm
agricultural activities. As a result of its focused approach and sustained financing policies, FBL has established its identity as a market leader among its peers in the area of agricultural financing. All branches of FBL located in agricultural areas of Pakistan are well equipped to provide the best services to local farmers in order to improve the yield and methods of farming, by offering timely and affordable financing for agricultural purposes.
Financing Offers
Crop Production Finance:
Short-term facility for farm crops.
Grower finance facility under Value Chain Financing arrangements with Sugar Mills
Modes of Financing:
Musharakah - Sale & Lease Back (SLB)
Murabaha
Salam
Development Finance:
Short-term, Medium-term and Long-term facilities for:
Farm Power: tractors, combine harvesters, threshers, solar energy plants etc.
Farm Machinery and Equipment: ploughs, cultivators, laser levelers, processing machinery, tunnel structures etc.
Farm Transport: pickup, trailers, mini trucks etc.
Farm Irrigation: installation of tube wells and solar pumps, turbines, power lines, transformers, sprinklers, drip irrigation systems, lining or alignment of water channels etc.
Land improvement: land leveling, clearance of jungle and land reclamation etc.
Storage of Agri Produce: godowns, silos and cold storages.
Seed Processing Units: working capital requirements
Dairy Farms: cost of sheds, milking animals, feed, medicine and other working capital requirements.
Livestock Farms and Feed Units: cost of animal sheds, feed, medicine and other working capital requirements.
Poultry Farms and Feed Units: cost of poultry sheds, machinery, equipment, chicks, feed, medicine and other working capital requirements.
Fish Farms: cost of fishponds, tube wells, fish seed, feed and other working capital requirements.
Modes of Financing:
Murabaha
Salam
Musharakah - Sale & Lease Back (SLB)
Istisna
Tijarah
Diminishing Musharakah
Trade Based Financing:
Faysal Bank also offers following Shariah Compliant Trade related Banking facilities to its esteemed customers:
Letter of Credit
Bank Guarantees
Farmers Financial Literacy Programs:
Faysal Bank as a part of its Business Strategy, conducts regular awareness sessions / financial literacy programs across the country for farmers in order to provide them essential education, facilitate the seamless account openings etc and ensuring accessibility & convenience.
Financial Inclusion Initiatives:
Faysal Bank is offering an innovative and exclusive deposit product 'Khushaal Kisaan Account' for Farming Community in order to increase financial inclusion. Faysal Islami Khushaal Kisaan Account is a Shariah-compliant tailor-made account to meet the specific needs of farmers, commission agents and traders associated with the agriculture segment. This account intends to cater to the changing transactional needs of small to large-scale producers, processors & traders while offering interest-free Shariah-compliant banking based on the Islamic principle of Mudarabah and Qard. Faysal Islami Khushaal Kisaan Account offers comprehensive solutions with a host of benefits for all your agriculture business and personal banking needs.
SBP Schemes
FBL is providing financing facilities in almost all Regulatory Subsidized/Refinance Schemes including:
Electronic Warehouse Receipt Financing (EWF)
Prime Minister's Youth Business & Agriculture Loan Scheme (PMYB&ALS)
Zarkhez -e (Digital Financing) Scheme for Small Farmers Islamic Financing Facility for Storage of Agricultural Produce (IFFSAP)
Islamic Financing Facility for Renewable Energy (IFRE)
Our Network
08 7430 KPK
Gilgit Baltistan
AJK
Islamabad
16 31Punjab
Balochistan
Sindh
513 228 900Total Branches
More than
900ATMs
More than
360Cities Across Pakistan
Annual Report 2025 27
Organisational Structure
Board of Directors
Company Secretary & Head of Legal
President & CEO
CEO
Secretariat
Head Retail Banking
Head Corporate &Investment Banking
Head Treasury & ECM
Head Consumer Finance
Chief Risk Officer
Chief Compliance Officer
28 Faysal Bank
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