FABL Faysal Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 91.49 +0.10%
Annual · FY2006 – FY2025
Faysal Bank Limited (FABL) cash flow statement
Operating activities generated Rs 157.0 bn of cash in FY2025 (Jan – Dec 2025), up 897.7% on FY2024. Capital expenditure was Rs 12.4 bn. Dividends paid to shareholders came to Rs 10.4 bn. Overall, cash increased by Rs 2.3 bn.
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 | FY2015 * Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 * Jan – Dec 2007 | FY2006 * Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 157.0 | 15.7 | 136.2 | 102.9 | 30.3 | 116.8 | 32.9 | (0.2) | (18.9) | 32.9 | 25.8 | (1.6) | 20.1 | (0.3) | 1.6 | 13.7 | (3.4) | 0.1 | 13.4 | 0.8 |
| Capital expenditure | (12.4) | (19.5) | (7.7) | (3.9) | (3.5) | (1.8) | (3.0) | (1.2) | (1.3) | (1.1) | (0.8) | (0.6) | (0.6) | (1.3) | (1.2) | (0.5) | (0.8) | (0.6) | (0.6) | (0.8) |
| Net cash from investing activities | 18.4 | (94.9) | (119.2) | (131.3) | (80.8) | (101.1) | 12.7 | (38.0) | 19.8 | 18.8 | (50.0) | (21.1) | (25.6) | 7.3 | (6.5) | 1.7 | (19.1) | (3.9) | (6.7) | 1.7 |
| Dividends paid | (10.4) | (16.5) | (4.5) | (10.4) | (0.8) | (0.0) | (0.0) | (0.0) | (0.0) | (1.2) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | — | (0.0) | (1.3) | (1.1) | (1.8) |
| Net cash from financing activities | (173.1) | 102.8 | 9.5 | 26.2 | 48.9 | (17.3) | (27.7) | 43.7 | 0.8 | (40.2) | 29.9 | 14.8 | 8.4 | (4.2) | 4.7 | (1.5) | 21.9 | 1.7 | (5.8) | (1.4) |
| Net change in cash | 2.3 | 23.6 | 26.5 | (2.2) | (1.6) | (1.6) | 17.9 | 5.4 | 1.6 | 11.5 | 5.7 | (8.0) | 2.9 | 2.7 | (0.1) | 13.9 | (0.6) | (1.6) | 1.3 | 1.3 |
| Rs mn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 | FY2015 * Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 * Jan – Dec 2007 | FY2006 * Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | +897.7% | -88.4% | +32.3% | +239.6% | -74.1% | +255.0% | — | — | -157.5% | +27.2% | — | -107.9% | — | -121.8% | -88.5% | — | -5,895.7% | -99.6% | +1,507.6% | — |
| Capital expenditure | -36.4% | +152.5% | +96.7% | +11.0% | +96.5% | -39.8% | +147.2% | -3.6% | +13.0% | +35.6% | +41.1% | +2.8% | -55.4% | +9.7% | +112.4% | -30.6% | +28.0% | -3.7% | -24.1% | — |
| Net cash from investing activities | — | — | — | — | — | -897.4% | — | -292.2% | +5.3% | — | — | — | -452.5% | — | -470.9% | — | — | — | -502.6% | — |
| Dividends paid | -36.7% | +268.9% | -57.1% | +1,286.5% | +96,365.5% | +225.9% | -90.8% | +1,320.2% | -100.0% | +2,708,075.0% | +37.5% | -87.4% | +78.9% | -98.4% | — | — | -100.0% | +24.6% | -40.5% | — |
| Net cash from financing activities | -268.4% | +985.9% | -63.8% | -46.5% | — | — | -163.4% | +5,627.3% | — | -234.5% | +102.4% | +76.0% | — | -189.3% | — | -106.8% | +1,191.2% | — | — | — |
| Net change in cash | -90.1% | -10.9% | — | — | — | -109.2% | +231.7% | +230.2% | -85.8% | +103.2% | — | -372.0% | +8.9% | — | -101.0% | — | — | -222.2% | -4.4% | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 57
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 48.3 | 51.8 | 41.8 | 22.7 | 13.7 | 10.9 | 10.2 | 8.3 | 7.3 | 6.7 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | 12.4 | 11.2 | 7.8 | 3.7 | 4.6 | 5.7 | 4.2 | 0.6 | 0.7 | 1.1 |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | (0.3) | (0.4) | (0.2) | (0.1) | (0.1) | (0.2) | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | 4.2 | 7.7 | 2.3 | 1.3 | 1.1 | 0.8 | 0.9 | 0.2 | 0.1 | (0.3) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 8.2 | 5.9 | 4.4 | 3.3 | 3.1 | 2.9 | 2.6 | 1.1 | 1.0 | 0.8 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 7.6 | 5.4 | 4.1 | 3.1 | 2.9 | 2.8 | 2.4 | 0.9 | 0.8 | 0.6 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.6 | 0.4 | 0.3 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.2 | 0.2 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | — | (2.0) | 0.7 | (0.5) | 0.8 | 2.3 | 0.6 | (0.5) | (0.6) | 0.7 |
| Impairment - Property, Plant & Equipment including Intangible Assets - Cash Flow - to Reconcile | — | — | 0.0 | — | — | — | 0.0 | 0.0 | — | — |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | (0.2) | 0.5 | (0.2) | (0.3) | (0.1) | 0.3 | 0.1 | 0.2 | (0.0) |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.2) | (0.0) | (0.0) | (0.1) | (0.1) | (0.0) | (0.0) | (0.0) | (0.0) | (0.1) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.2) | (0.0) | (0.0) | (0.1) | (0.1) | (0.0) | (0.0) | (0.0) | (0.0) | (0.1) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | 0.3 | 0.3 | (0.1) | (0.2) | 0.0 | (0.0) | (0.2) | (0.2) | 0.1 | (0.0) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 29.1 | 34.5 | 21.0 | 9.6 | 4.7 | 2.0 | 3.4 | 2.3 | 2.9 | 1.8 |
| Interest & Dividends - Received - Total - Cash Flow | 0.5 | 0.4 | 0.3 | 0.5 | 0.4 | 0.3 | 0.4 | 0.2 | 0.2 | 0.3 |
| Cash Flow from Operating Activities before Changes in Working Capital | 32.0 | 28.8 | 29.0 | 17.3 | 14.0 | 14.9 | 11.3 | 6.8 | 5.3 | 6.2 |
| Working Capital - Increase/(Decrease) - Cash Flow | 125.0 | (13.0) | 107.2 | 85.6 | 16.3 | 101.9 | 21.6 | (7.0) | (24.2) | 26.6 |
| Other Assets - Decrease/(Increase) - Cash Flow | (12.5) | (10.4) | (27.3) | (18.1) | (2.7) | 1.1 | (0.8) | (7.5) | (1.1) | 1.6 |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | 0.0 | 0.0 | 9.8 | (9.8) | 3.0 | (3.0) | 3.0 | 6.0 | (4.0) | (4.8) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | 1.7 | 6.1 | 0.2 | 12.3 | (5.4) | 24.1 | 0.6 | 1.7 | (31.9) | 5.1 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (234.1) | (73.9) | (127.2) | (57.6) | (78.9) | (10.9) | (13.8) | (64.4) | (26.1) | (24.4) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | (12.9) | 39.3 | 14.9 | 21.4 | (3.1) | 7.8 | (15.8) | 19.4 | 6.1 | 0.8 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 382.8 | 25.8 | 236.7 | 137.5 | 103.4 | 82.8 | 48.4 | 37.8 | 32.8 | 48.2 |
| Net Cash Flow from Operating Activities | 157.0 | 15.7 | 136.2 | 102.9 | 30.3 | 116.8 | 32.9 | (0.2) | (18.9) | 32.9 |
| Capital Expenditures - Net - Cash Flow | 10.7 | 19.5 | 7.7 | 3.9 | 3.0 | 1.8 | 2.8 | 1.2 | 1.2 | 0.6 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 10.3 | 18.6 | 6.9 | 3.3 | 2.6 | 1.4 | 2.3 | 1.2 | 1.2 | 0.6 |
| Property, Plant & Equipment - Purchased - Cash Flow | 12.0 | 18.7 | 7.0 | 3.4 | 3.1 | 1.4 | 2.5 | 1.2 | 1.3 | 1.1 |
| Property, Plant & Equipment Sold - Cash Flow | 1.7 | 0.0 | 0.1 | 0.1 | 0.5 | 0.0 | 0.2 | 0.0 | 0.1 | 0.5 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.4 | 0.8 | 0.8 | 0.5 | 0.4 | 0.4 | 0.5 | — | — | — |
| Intangible Assets - Purchased/Acquired - Cash Flow | 0.4 | 0.8 | 0.8 | 0.5 | 0.4 | 0.4 | 0.5 | — | — | — |
| Capital Expenditures - Total | 12.4 | 19.5 | 7.7 | 3.9 | 3.5 | 1.8 | 3.0 | 1.2 | 1.3 | 1.1 |
| Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow | — | — | — | — | — | — | 0.0 | (0.3) | — | — |
| Acquisition of Business - Cash Flow | — | — | — | — | — | — | 0.0 | 0.3 | — | — |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 29.7 | (76.6) | (110.7) | (126.7) | (77.5) | (99.3) | 15.5 | (36.6) | 20.9 | 19.4 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 29.7 | (76.6) | (110.7) | (126.7) | (77.5) | (99.3) | 15.5 | (36.6) | 20.9 | 19.4 |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | (0.6) | 1.1 | (0.8) | (0.8) | (0.3) | (0.1) | — | — | — | — |
| Net Cash Flow from Investing Activities | 18.4 | (94.9) | (119.2) | (131.3) | (80.8) | (101.1) | 12.7 | (38.0) | 19.8 | 18.8 |
| Dividends Paid - Cash - Total - Cash Flow | 10.4 | 16.5 | 4.5 | 10.4 | 0.8 | 0.0 | 0.0 | 0.0 | 0.0 | 1.2 |
| Dividends - Common - Cash Paid | 10.4 | 16.5 | 4.5 | 10.4 | 0.8 | 0.0 | 0.0 | 0.0 | 0.0 | 1.2 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (162.6) | 119.2 | 13.9 | 36.6 | 49.6 | (17.3) | (27.7) | 43.7 | 0.8 | (39.0) |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (158.8) | 123.0 | 16.3 | 39.8 | 51.8 | (15.5) | (25.9) | 43.7 | 2.3 | (37.5) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (3.8) | (3.8) | (2.4) | (3.3) | (2.2) | (1.8) | (1.8) | 0.0 | (1.5) | (1.5) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (3.8) | (3.8) | (2.4) | (3.3) | (2.2) | (1.8) | (1.8) | 0.0 | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 3.8 | 3.8 | 2.4 | 3.3 | 2.2 | 1.8 | 1.8 | 0.0 | — | — |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 3.8 | 3.8 | 2.4 | 3.3 | 2.2 | 1.8 | 1.8 | 0.0 | — | — |
| Net Cash Flow from Financing Activities | (173.1) | 102.8 | 9.5 | 26.2 | 48.9 | (17.3) | (27.7) | 43.7 | 0.8 | (40.2) |
| Net Change in Cash - Total | 2.3 | 23.6 | 26.5 | (2.2) | (1.6) | (1.6) | 17.9 | 5.4 | 1.6 | 11.5 |
| Net Cash from Continuing Operations | 2.3 | 23.6 | 26.5 | (2.2) | (1.6) | (1.6) | 17.9 | 5.4 | 1.6 | 11.5 |
| Net Cash - Beginning Balance | 108.4 | 83.7 | 57.3 | 59.5 | 61.1 | 62.8 | 44.9 | 39.5 | 37.9 | 26.3 |
| Net Cash - Ending Balance | 110.7 | 107.3 | 83.7 | 57.3 | 59.5 | 61.1 | 62.8 | 44.9 | 39.5 | 37.9 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 29.1 | 34.5 | 21.0 | 9.6 | 4.7 | 2.0 | 3.4 | 2.3 | 2.9 | 1.8 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 0.5 | 0.4 | 0.3 | 0.5 | 0.4 | 0.3 | 0.4 | 0.2 | 0.2 | 0.3 |
| CF from Optg Activities before Change in WC & Int Payments | 32.0 | 28.8 | 29.0 | 17.3 | 14.0 | 14.9 | 11.3 | 6.8 | 5.3 | 6.2 |
| Depreciation, Depletion & Amortization - Cash Flow | 8.2 | 5.9 | 4.4 | 3.3 | 3.1 | 2.9 | 2.6 | 1.0 | 1.0 | 0.8 |
| Free Cash Flow to Equity | (16.4) | 115.5 | 142.4 | 135.6 | 76.9 | 97.7 | 2.4 | 42.3 | (19.3) | (6.7) |
| Free Cash Flow Net of Dividends | 134.1 | (20.2) | 124.0 | 88.6 | 26.0 | 115.0 | 29.9 | (1.4) | (20.2) | 30.6 |
| Free Cash Flow | 144.6 | (3.8) | 128.4 | 99.0 | 26.8 | 115.0 | 29.9 | (1.4) | (20.2) | 31.8 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.