Karachi: Faysal Bank Ltd. (FABL) reported a flat net profit after tax (NPAT) of PkR4.9 billion for the second quarter of the calendar year 2026, showing a year-on-year stability but a 6% decline from the previous quarter. The bank’s earnings per share stood at PkR3.2. The steady profitability was largely attributed to increased net returns and foreign exchange income, which counterbalanced the rise in operating expenses. The bank also declared a cash payout of PkR1.5 per share.

According to AKD Securities Limited, the bank's net profit or returns rose by 2% year-on-year and 12% quarter-on-quarter, reaching PkR17.5 billion in the second quarter, due to the expansion in earning assets despite the impact of lower yields. FABL reported a 26% increase in deposits year-on-year, and an 18% rise quarter-on-quarter, totaling PkR1.6 trillion as of June 2026. This growth supported a 1% year-on-year and 12% quarter-on-quarter increase in the investment book, which reached PkR708 billion, and a 12% year-on-year and 4% quarter-on-quarter increase in financing, totaling PkR807 billion as of June 2026.

The bank's profit or return earned was recorded at PkR42.9 billion, marking a 2% increase year-on-year and a 13% rise quarter-on-quarter. Meanwhile, the profit or return expensed on deposits increased by 3% year-on-year and 13% quarter-on-quarter, amounting to PkR25.4 billion. The bank's estimated net interest margins (NIMs) decreased to 4.6% in the second quarter of 2026, down from 5.0% in the same period last year, though it improved from 4.2% in the first quarter of 2026.