February 19, 2026 (MLN): Faysal Bank Limited (PSX:FABL)  reported a net profit of Rs22.47bn for the year ended December 31, 2025, which represents a 6% decline from the Rs23.89bn profit recorded in the previous year.

The bank's earnings per share decreased to Rs14.80 from Rs15.74 in the corresponding period, while dividend was declared at Rs2 per share.

The bank's profit or return earned declined 26% YoY to Rs165.99bn from Rs225.16bn.

Profit or return expensed decreased 33% to Rs96.30bn from Rs144.6bn, resulting in a net profit or return of Rs69.69bn, down 13% from Rs80.56bn in the prior year.

Total other income rose 65% to Rs32.37bn from Rs19.62bn, providing substantial offset to the decline in interest income.

Fee and commission income increased 23% to Rs15.76bn from Rs12.82bn, demonstrating strong growth in fee-based revenues.

Dividend income grew 32% to Rs493.8m from Rs375.5m, while foreign exchange income surged 48% to Rs7.91bn from Rs5.34bn, marking a significant contributor to non-interest income growth.

Total income remained relatively flat, rising just 2% to Rs102.07bn from Rs100.18bn in FY2024.

Total other expenses increased 15% to Rs58.95bn from Rs51.34bn, driven by a 15% rise in operating expenses to Rs57.91bn from Rs50.21bn.

Workers' welfare fund declined 7% to Rs960.1m from Rs1.03bn, while other charges decreased 16% to Rs81.5m from Rs97.2m.

Profit before taxation reached Rs48.27bn, down 7% from Rs51.75bn in the corresponding period last year. The bank recorded a taxation expense of Rs25.80bn, down 7% from Rs27.86bn, mirroring the decline in pre-tax profit.