Financials -  Yearly
Faysal Bank Limited
Balance Sheet
  As at December 31, 2015
(Rupees in ' 000)
 
Dec 31, 2015
Dec 31, 2014
Assets
Cash and balances with treasury banks 26,084,007 20,285,851
Balances with other banks 1,068,451 1,422,699
Lendings to financial institutions 12,088,403 -
Investments 183,677,239 155,210,513
Advances 178,079,084 181,224,805
Operating Fixed assets 11,342,980 11,543,356
Deferred tax assets - net 3,087,325 2,428,816
Other assets 14,645,371 16,009,744
  430,072,860 388,125,784
Liabilities
Bills payable 6,009,238 5,347,774
Borrowings 90,565,242 60,926,863
Deposits and other accounts 292,130,258 283,345,739
Sub-ordinated loans 2,994,000 2,995,200
Liabilities against assets subject to finance lease - -
Deferred tax liabilities - net - -
Other liabilities 8,021,649 9,207,632
  399,720,387 361,823,208
Net assets 30,352,473 26,302,576
Represented by
Share capital 11,997,601 10,432,697
Reserves 6,422,761 5,703,155
Unappropriated profit 7,638,330 5,696,366
  26,058,692 21,832,218
Surplus on revaluation of assets - net of tax 4,293,781 4,470,358
  30,352,473 26,302,576

Faysal Bank Limited
Profit and Loss Account
  For the year ended December 31, 2015
(Rupees in ' 000)
 
Dec 31, 2015
Dec 31, 2014
Mark-up / return / interest earned 32,312,553 32,312,633
Mark-up / return / interest expensed 18,357,971 18,480,191
Net mark-up / interest income 13,954,582 13,832,442
Provision against non-performing loans and advances - net 1,026,128 2,055,820
(Reversal) / provision for consumer and small enterprise loans - general (6,852) 33,159
Provision against off balance sheet obligations 19,929 6,981
Provision for diminution in the value of investments - net 454,551 397,383
Recoveries against written-off debts - net (100,296) (134,506)
  1,393,460 2,358,837
Net mark-up / interest income after provisions 12,561,122 11,473,605
Non mark-up / interest income
Fee, commission and brokerage income 2,303,447 2,075,945
Dividend income 318,715 182,435
Income from dealing in foreign currencies 964,961 1,072,939
Gain on sale of securities - net 1,738,630 460,477
Unrealised (loss) / gain on revaluation of investments classified as held for trading (27,230) 31,475
Other income 265,817 550,898
Total non mark-up / interest income 5,564,340 4,374,169
  18,125,462 15,847,774
Non mark-up / interest expenses
Administrative expenses 10,591,053 12,162,034
Other provisions / (reversal) - net 386,126 (88,616)
Other charges 221,204 221,826
Total non mark-up / interest expenses 11,198,383 12,295,244
  6,927,079 3,552,530
Share of loss of associate (7,002) (745)
Extraordinary / unusual items - -
Profit before taxation 6,920,077 3,551,785
Taxation - current 3,038,627 1,712,150
             - prior years 264,797 (812,786)
             - deferred (605,711) 175,462
  2,697,713 1,074,826
Profit after taxation 4,222,364 2,476,959
Basic earning per share 3.52 2.06
Auditor(s):

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