FABL Faysal Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 91.49 +0.10%
Quarterly · Q3 FY2021 – Q2 FY2026
Faysal Bank Limited (FABL) quarterly cash flow statement
Operating activities generated Rs 157.2 bn of cash in Q2 FY2026 (Apr – Jun 2026), up 93.5% on Q2 FY2025. Capital expenditure was Rs 2.2 bn. Dividends paid to shareholders came to Rs 5.2 bn. Overall, cash decreased by Rs 69.9 mn.
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 Jul – Sep 2022 | Q2 FY2022 Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 193.0 | 157.2 | (17.2) | 36.7 | 16.4 | 81.2 | 22.7 | (176.9) | 138.1 | 55.3 | (0.8) | 7.1 | 91.8 | 64.9 | (27.7) | 90.5 | 1.7 | 40.9 | (30.1) | 24.3 | 30.3 |
| Capital expenditure | (11.1) | (2.2) | (4.5) | (2.5) | (1.9) | (2.9) | (5.0) | (7.3) | (6.4) | (2.0) | (3.8) | (3.0) | (2.4) | (0.9) | (1.5) | (1.1) | (0.9) | (1.5) | (0.4) | (1.4) | (1.2) |
| Net cash from investing activities | (33.4) | (40.7) | (48.3) | 61.5 | (5.8) | (7.0) | (30.2) | (28.2) | (25.4) | 17.0 | (58.4) | (32.4) | (73.7) | (10.3) | (2.9) | (59.3) | (36.2) | (15.6) | (20.2) | (23.9) | (55.0) |
| Dividends paid | (9.7) | (5.2) | (0.0) | (2.2) | (2.2) | (6.0) | (0.0) | (2.3) | (3.0) | (5.1) | (6.1) | (1.5) | (1.5) | (1.5) | (0.0) | (9.4) | — | (1.5) | (0.0) | (0.1) | (0.7) |
| Net cash from financing activities | (148.2) | (116.5) | 64.1 | (84.3) | (11.5) | (86.3) | 9.1 | 208.5 | (102.2) | (75.9) | 72.3 | 31.3 | (31.1) | (30.7) | 39.9 | (39.4) | 26.2 | (10.8) | 50.1 | 4.0 | 20.7 |
| Net change in cash | 11.4 | (0.1) | (1.4) | 13.9 | (1.0) | (12.1) | 1.6 | 3.5 | 10.5 | (3.5) | 13.1 | 6.1 | (13.0) | 24.0 | 9.4 | (8.2) | (8.3) | 14.5 | (0.1) | 4.5 | (4.0) |
| Rs mn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 Jul – Sep 2022 | Q2 FY2022 Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | +93.5% | -175.8% | — | -88.2% | +46.9% | — | -2,577.8% | +50.5% | -14.8% | — | -92.1% | +5,454.8% | +58.8% | — | +271.6% | -94.5% | +152.7% | — | -45.5% | +87.4% |
| Capital expenditure | -24.9% | -10.8% | -65.1% | -70.0% | +47.1% | +31.2% | +144.2% | +171.5% | +132.2% | +150.6% | +159.7% | +163.5% | -42.2% | +263.2% | -15.6% | -23.5% | +216.0% | -22.1% | +125.4% | +203.7% |
| Net cash from investing activities | — | — | — | — | -141.3% | — | — | — | — | — | — | — | — | — | — | — | — | -2,651.0% | — | — |
| Dividends paid | -12.3% | -87.1% | -3.5% | -25.1% | +17.6% | -99.9% | +55.1% | +100.4% | +240.9% | +165,321.7% | -84.2% | — | +0.2% | -49.0% | +14,402.9% | — | +8,743,735.3% | +80,388.9% | +9,982.7% | +581,856.8% |
| Net cash from financing activities | — | +604.1% | -140.4% | — | — | -87.4% | +565.8% | — | — | +81.2% | — | -218.8% | — | -20.3% | -1,087.3% | +26.2% | — | +48.7% | — | -12.1% |
| Net change in cash | — | -191.3% | +301.2% | -109.2% | — | -88.1% | -43.3% | — | -114.7% | +39.8% | — | — | +65.6% | — | -284.8% | — | +273.1% | — | — | -152.2% |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. Updated 16 Oct 2026.
All reported line items 60
| Rs bn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 10.0 | 11.0 | 14.6 | 11.2 | 11.1 | 11.5 | 12.2 | 13.2 | 13.6 | 12.7 | 17.3 | 9.3 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (15.6) | (13.6) | 15.6 | 30.7 | (17.0) | (17.0) | 25.5 | 21.8 | (18.7) | (17.5) | (0.9) | 3.7 |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.0) | (0.2) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (17.8) | (15.9) | 13.5 | 28.6 | (19.0) | (18.8) | 24.7 | 20.9 | (19.5) | (18.4) | 0.8 | 0.9 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 2.3 | 2.3 | 2.2 | 2.1 | 2.0 | 1.9 | 1.8 | 1.5 | 1.4 | 1.2 | 1.3 | 1.1 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 2.1 | 2.1 | 2.0 | 2.0 | 1.9 | 1.7 | 1.6 | 1.4 | 1.3 | 1.1 | 1.1 | 1.0 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | — | — | — | — | — | — | (0.7) | (0.6) | (0.9) | 0.1 | (2.7) | 2.3 |
| Impairment - Property, Plant & Equipment including Intangible Assets - Cash Flow - to Reconcile | — | — | — | — | — | — | — | — | — | — | 0.0 | — |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | — | — | — | — | (0.2) | (0.0) | 0.1 | (0.1) | (0.1) | (0.7) |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.2) | (0.0) | (0.1) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.2) | (0.0) | (0.1) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | (0.2) | (0.1) | 0.1 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 8.1 | 6.9 | 10.0 | 6.9 | 7.2 | 5.1 | 9.7 | 8.6 | 7.4 | 8.8 | 7.8 | 6.0 |
| Interest Paid - Cash | 25.2 | 20.9 | — | 87.4 | 23.7 | 25.1 | — | 33.8 | 41.8 | 37.7 | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 47.8 | 30.7 | 0.3 | 48.9 | 53.5 | 34.0 | 0.1 | 0.1 | 77.0 | 36.4 | 0.1 | 0.0 |
| Cash Flow from Operating Activities before Changes in Working Capital | 8.9 | 0.3 | 20.5 | (3.6) | 16.7 | (1.6) | 28.1 | (7.3) | 22.7 | (14.8) | 8.8 | 6.9 |
| Working Capital - Increase/(Decrease) - Cash Flow | 148.3 | (17.5) | 16.2 | 19.9 | 64.5 | 24.3 | (205.0) | 145.4 | 32.6 | 14.0 | (1.6) | 84.9 |
| Other Assets - Decrease/(Increase) - Cash Flow | (36.1) | 94.2 | 87.6 | (1.0) | (96.1) | (3.1) | 7.0 | (19.2) | 3.7 | (1.8) | 17.7 | (20.6) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | (55.0) | — | 0.0 | 3.5 | (3.5) | — | 20.0 | (20.0) | 11.0 | (11.0) | 0.0 | 25.5 |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | (0.6) | (0.2) | 0.8 | (0.6) | 0.0 | 1.4 | 1.0 | 8.0 | (0.2) | (2.6) | (0.0) | 3.5 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | — | — | (234.1) | — | — | — | (137.5) | 65.0 | (5.6) | 4.3 | (87.2) | 28.2 |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 6.4 | (13.2) | 10.0 | (13.6) | 33.5 | (42.9) | 24.6 | 21.4 | (1.4) | (5.2) | (0.8) | 6.5 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 233.6 | (98.4) | 151.9 | 31.5 | 130.5 | 68.9 | (120.1) | 90.2 | 25.2 | 30.4 | 68.7 | 41.7 |
| Net Cash Flow from Operating Activities | 157.2 | (17.2) | 36.7 | 16.4 | 81.2 | 22.7 | (176.9) | 138.1 | 55.3 | (0.8) | 7.1 | 91.8 |
| Capital Expenditures - Net - Cash Flow | 1.7 | 4.4 | 1.4 | 1.7 | 2.7 | 5.0 | 7.2 | 6.4 | 2.0 | 3.8 | 3.0 | 2.3 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 1.5 | 3.2 | 1.4 | 1.5 | 2.6 | 4.9 | 6.7 | 6.3 | 2.0 | 3.6 | 2.8 | 2.1 |
| Property, Plant & Equipment - Purchased - Cash Flow | 2.0 | 3.3 | 2.5 | 1.8 | 2.8 | 4.9 | 6.8 | 6.3 | 2.0 | 3.6 | 2.8 | 2.1 |
| Property, Plant & Equipment Sold - Cash Flow | 0.5 | 0.1 | 1.1 | 0.3 | 0.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.2 | 1.2 | (0.0) | 0.2 | 0.1 | 0.1 | 0.5 | 0.1 | (0.0) | 0.3 | 0.2 | 0.3 |
| Intangible Assets - Purchased/Acquired - Cash Flow | 0.2 | 1.2 | — | 0.2 | 0.1 | 0.1 | 0.5 | 0.1 | — | 0.3 | 0.2 | 0.3 |
| Intangible Assets - Net - Cash Flow | — | — | (0.0) | — | — | — | — | — | (0.0) | — | — | — |
| Capital Expenditures - Total | 2.2 | 4.5 | 2.5 | 1.9 | 2.9 | 5.0 | 7.3 | 6.4 | 2.0 | 3.8 | 3.0 | 2.4 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (6.7) | (44.3) | 28.1 | 33.3 | (6.5) | (25.2) | (77.0) | 34.7 | 20.2 | (54.5) | (29.3) | (70.9) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (6.7) | (44.3) | 28.1 | 33.3 | (6.5) | (25.2) | (77.0) | 34.7 | 20.2 | (54.5) | (29.3) | (70.9) |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | (32.4) | 0.3 | 34.9 | (37.5) | 2.1 | (0.1) | 56.0 | (53.7) | (1.2) | 0.0 | (0.0) | (0.4) |
| Other Investing Cash Flow - Decrease/(Increase) | — | — | — | — | — | — | — | — | — | — | — | (0.0) |
| Net Cash Flow from Investing Activities | (40.7) | (48.3) | 61.5 | (5.8) | (7.0) | (30.2) | (28.2) | (25.4) | 17.0 | (58.4) | (32.4) | (73.7) |
| Dividends Paid - Cash - Total - Cash Flow | 5.2 | 0.0 | 2.2 | 2.2 | 6.0 | 0.0 | 2.3 | 3.0 | 5.1 | 6.1 | 1.5 | 1.5 |
| Dividends - Common - Cash Paid | 5.2 | 0.0 | 2.2 | 2.2 | 6.0 | 0.0 | 2.3 | 3.0 | 5.1 | 6.1 | 1.5 | 1.5 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (111.3) | 64.1 | (82.1) | (9.3) | (80.4) | 9.1 | 210.8 | (99.3) | (70.8) | 78.5 | 32.8 | (29.6) |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (117.2) | 65.0 | (80.7) | (8.5) | (79.6) | 10.0 | 212.2 | (98.3) | (70.0) | 79.1 | 33.9 | (29.2) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | 5.9 | (0.9) | (1.4) | (0.8) | (0.8) | (0.9) | (1.4) | (1.0) | (0.8) | (0.6) | (1.1) | (0.4) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (1.1) | (0.9) | (1.4) | (0.8) | (0.8) | (0.9) | (1.4) | (1.0) | (0.8) | (0.6) | (1.1) | (0.4) |
| Debt - Issued - Long-Term - Cash Flow | 7.0 | — | — | — | — | — | — | — | — | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 1.1 | 0.9 | 1.4 | 0.8 | 0.8 | 0.9 | 1.4 | 1.0 | 0.8 | 0.6 | 1.1 | 0.4 |
| 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 | 1.1 | 0.9 | 1.4 | 0.8 | 0.8 | 0.9 | 1.4 | 1.0 | 0.8 | 0.6 | 1.1 | 0.4 |
| Net Cash Flow from Financing Activities | (116.5) | 64.1 | (84.3) | (11.5) | (86.3) | 9.1 | 208.5 | (102.2) | (75.9) | 72.3 | 31.3 | (31.1) |
| Net Change in Cash - Total | (0.1) | (1.4) | 13.9 | (1.0) | (12.1) | 1.6 | 3.5 | 10.5 | (3.5) | 13.1 | 6.1 | (13.0) |
| Net Cash from Continuing Operations | (0.1) | (1.4) | 13.9 | (1.0) | (12.1) | 1.6 | 3.5 | 10.5 | (3.5) | 13.1 | 6.1 | (13.0) |
| Net Cash - Beginning Balance | 109.3 | 110.7 | 96.9 | 97.6 | 109.7 | 108.1 | 103.8 | 93.3 | 96.9 | 83.7 | 77.6 | 90.6 |
| Net Cash - Ending Balance | 109.2 | 109.3 | 110.7 | 96.6 | 97.6 | 109.7 | 107.3 | 103.8 | 93.3 | 96.9 | 83.7 | 77.6 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 8.1 | 6.9 | 10.0 | 6.9 | 7.2 | 5.1 | 9.7 | 8.6 | 7.4 | 8.8 | 7.8 | 6.0 |
| Interest Paid - Cash Flow - Supplemental | 25.2 | 20.9 | — | 87.4 | 23.7 | 25.1 | — | 33.8 | 41.8 | 37.7 | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 47.8 | 30.7 | 0.3 | 48.9 | 53.5 | 34.0 | 0.1 | 0.1 | 77.0 | 36.4 | 0.1 | 0.0 |
| CF from Optg Activities before Change in WC & Int Payments | 34.1 | 21.2 | 20.5 | 83.8 | 40.4 | 23.5 | 28.1 | 26.5 | 64.5 | 22.9 | 8.8 | 6.9 |
| Depreciation, Depletion & Amortization - Cash Flow | 2.3 | 2.3 | 2.2 | 2.1 | 2.0 | 1.9 | 1.8 | 1.5 | 1.4 | 1.2 | 1.2 | 1.1 |
| Free Cash Flow to Equity | 44.2 | 42.5 | (46.8) | 5.4 | (1.8) | 26.8 | 26.7 | 32.4 | (17.4) | 73.8 | 37.0 | 59.8 |
| Free Cash Flow Net of Dividends | 149.8 | (21.7) | 31.9 | 12.2 | 72.4 | 17.6 | (186.4) | 128.7 | 48.3 | (10.8) | 2.7 | 87.9 |
| Free Cash Flow | 155.0 | (21.7) | 34.1 | 14.4 | 78.3 | 17.6 | (184.1) | 131.7 | 53.3 | (4.7) | 4.2 | 89.4 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.