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Commercial Banks

JSBL JS Bank Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

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Last close · 16 Oct 2026

Rs 12.39 +0.32%

Annual · FY2007 – FY2025

JS Bank Limited (JSBL) balance sheet

At the end of FY2025 (Jan – Dec 2025) JS Bank Limited had total assets of Rs 1.42 tn, up 4.2% on FY2024. Deposits were Rs 1.20 tn, up 11.2% on FY2024 and net advances Rs 581.2 bn. Investments stood at Rs 581.5 bn. Shareholders' equity was Rs 68.4 bn (Rs 33.36 per share), 4.8% of total assets.

JSBL balance sheet (annual) (Rs bn)
Rs bn FY2025 * Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 119.4 89.2 87.5 26.6 35.4
Lendings to financial institutions — — — 0.1 0.0
Investments 581.5 629.5 582.6 303.1 232.0
Advances (net) 581.2 525.4 451.0 231.6 254.6
Fixed assets 48.2 35.3 28.1 11.2 11.5
Intangible assets 12.5 12.3 8.5 3.8 3.2
Other assets 72.9 67.4 72.3 17.7 10.7
Total assets 1,415.6 1,359.0 1,230.0 620.5 589.3
Liabilities
Deposits 1,204.7 1,083.8 1,009.9 465.2 462.3
Borrowings 80.0 124.5 116.9 113.7 89.5
Total liabilities 1,334.5 1,282.2 1,170.0 597.3 565.5
Equity
Share capital 20.5 20.5 20.5 10.1 10.1
Equity attributable to shareholders 68.4 64.4 50.5 22.9 23.4
Total equity 81.1 76.8 60.0 23.3 23.8
Total liabilities & equity 1,415.6 1,359.0 1,230.0 620.5 589.3
Key figures
Gross advances — — — 239.0 261.2
Provision against advances — — — 7.4 6.7
Advances to deposits (ADR) 0.48× 0.48× 0.45× 0.50× 0.55×
Shares outstanding mn 2,050.7 2,050.7 2,050.7 1,297.5 1,297.5
Common equity 68.4 64.4 50.5 22.9 23.4
Book value per share (Rs) Rs 33.36 31.40 24.63 17.64 18.07
JSBL balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 * Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks +33.8% +2.0% +229.3% -25.0% +14.4%
Lendings to financial institutions — — — +126.6% -98.9%
Investments -7.6% +8.0% +92.2% +30.7% +14.8%
Advances (net) +10.6% +16.5% +94.7% -9.0% +1.6%
Fixed assets +36.8% +25.5% +150.0% -2.3% +27.4%
Intangible assets +1.7% +44.2% +121.2% +22.0% +25.3%
Other assets +8.2% -6.8% +307.8% +66.2% +52.1%
Total assets +4.2% +10.5% +98.2% +5.3% +9.9%
Liabilities
Deposits +11.2% +7.3% +117.1% +0.6% +6.3%
Borrowings -35.7% +6.6% +2.8% +27.1% +40.6%
Total liabilities +4.1% +9.6% +95.9% +5.6% +10.2%
Equity
Share capital 0.0% 0.0% +102.6% 0.0% 0.0%
Equity attributable to shareholders +6.3% +27.5% +120.6% -2.4% +4.7%
Total equity +5.6% +28.0% +157.9% -2.4% +4.0%
Total liabilities & equity +4.2% +10.5% +98.2% +5.3% +9.9%
Key figures
Gross advances — — — -8.5% +2.6%
Provision against advances — — — +11.1% +58.9%
Advances to deposits (ADR) — — — — —
Shares outstanding — — — — —
Common equity +6.3% +27.5% +120.6% -2.4% +4.7%
Book value per share (Rs) +6.3% +27.5% +39.6% -2.4% +4.7%

Change against the previous fiscal year; shown when the earlier figure is positive.

JSBL balance sheet — common size (Rs mn)
Rs mn FY2025 * Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 8.4% 6.6% 7.1% 4.3% 6.0%
Lendings to financial institutions — — — 0.0% 0.0%
Investments 41.1% 46.3% 47.4% 48.8% 39.4%
Advances (net) 41.1% 38.7% 36.7% 37.3% 43.2%
Fixed assets 3.4% 2.6% 2.3% 1.8% 2.0%
Intangible assets 0.9% 0.9% 0.7% 0.6% 0.5%
Other assets 5.2% 5.0% 5.9% 2.9% 1.8%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Deposits 85.1% 79.7% 82.1% 75.0% 78.4%
Borrowings 5.7% 9.2% 9.5% 18.3% 15.2%
Total liabilities 94.3% 94.3% 95.1% 96.3% 96.0%
Equity
Share capital 1.4% 1.5% 1.7% 1.6% 1.7%
Equity attributable to shareholders 4.8% 4.7% 4.1% 3.7% 4.0%
Total equity 5.7% 5.7% 4.9% 3.7% 4.0%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Gross advances — — — 38.5% 44.3%
Provision against advances — — — 1.2% 1.1%
Common equity 4.8% 4.7% 4.1% 3.7% 4.0%

Each line as a percentage of total assets.

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 183
JSBL balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Cash & Short-Term Deposits Due from Banks - Total 119.4 89.2 87.5 26.6 35.4
Cash & Short-Term Deposits Due from Banks — — — 10.1 9.4
Funds with Central Banks — — — 16.4 26.0
Lending & Long-Term Deposits Due from Banks — — — 0.1 0.0
Inter-Bank Loans & Long-Term Deposits with Other Banks — — — 0.1 0.0
Money Market Placements — — — — 0.0
Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets — — — 11.4 31.9
Loans & Receivables - Total 581.2 525.4 451.0 245.2 263.8
Securities Purchased under REPOs & Federal Funds Sold — — — 11.4 31.9
Receivables - Other — — — 1.3 2.0
Securities Purchased under REPOs — — — 11.4 31.9
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total — — — 303.1 231.9
Derivative Financial Instruments - Hedging - Total — — — 1.1 0.5
Banking Related Loans – Net 581.2 525.4 451.0 231.6 254.6
Loans - Gross — — — 239.0 261.2
Loans - Consumer & Installment — — — — —
Investment Securities - Other — — — — —
Loans - Finance Lease & HP — — — — —
Loans - Broker & Financial Institutions — — — — —
Loans - to Customers - Other - Gross — — — 239.0 261.2
Investments - Other - Total — — — 0.0 0.0
Investments - Total 581.5 629.5 582.6 303.1 232.0
Reserves for Loan Losses — — — 7.4 6.7
Investment Securities - Held for Trading — — — 1.2 2.6
Interest Receivables - Bank — — — 12.4 7.3
Investment Securities Available for Sale & Held to Maturity — — — 301.9 229.3
Property, Plant & Equipment - Net - Total 48.2 35.3 28.1 11.2 11.5
Property, Plant & Equipment - Gross - Total — — — 16.8 16.3
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total — — — 5.6 4.8
Investment Securities - Available for Sale - Total — — — 152.5 171.2
Mortgage Backed Securities - Available for Sale/Held to Maturity — — — 1.9 2.7
Government Securities - Available for Sale/Held to Maturity — — — 300.1 217.5
Other Assets - Total 72.9 67.4 72.3 17.7 10.7
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries — — — 0.3 0.3
Deferred Tax - Asset - Long-Term & Short-Term 3.4 0.0 0.0 — 0.0
Prepaid Expenses - Total — — — 4.3 3.0
Other Assets 69.6 67.4 72.3 13.4 7.7
Intangible Assets - Total - Net 12.5 12.3 8.5 3.8 3.2
Intangible Assets - excluding Goodwill - Net - Total — — — 2.4 1.7
Intangible Assets - Gross - Total — — — — —
Intangible Assets - excluding Goodwill - Gross — — — — —
Goodwill/Cost in Excess of Assets Purchased - Net — — — 1.5 1.5
Intangible Assets - Accumulated Amortization & Impairment - Total — — — — —
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total — — — — —
Computer Software - Intangible Assets - Net — — — 1.6 1.0
Intangible Assets - Other - Net — — — 0.8 0.7
Goodwill/Cost in Excess of Assets Purchased - Gross — — — 1.5 1.5
Computer Software - Intangible Assets - Gross — — — — —
Intangible Assets - Other - Gross - Total — — — — —
Goodwill - Accumulated Amortization & Impairment — — — 0.0 0.0
Computer Software - Intangible Assets - Accumulated Amortization & Impairment — — — — —
Intangible Assets - Other - Accumulated Amortization & Impairment — — — — —
Total Assets 1,415.6 1,359.0 1,230.0 620.5 589.3
Deposits - Total 1,204.7 1,083.8 1,009.9 465.2 462.3
Debt - Total 80.0 124.5 116.9 113.7 89.5
Deposits - Interest Bearing — — — — —
Short-Term Debt & Current Portion of Long-Term Debt 38.6 78.8 73.3 91.6 72.2
Deposits - Customers - Total 1,138.9 1,063.3 986.8 445.6 433.7
Deposits - Demand -Customer 471.4 376.4 320.7 127.5 111.1
Deposits - Savings - Customer 631.1 655.5 631.2 302.5 310.8
Deposits - Other - Customer 36.4 31.4 35.0 15.6 11.8
Deposits - Due to Banks & Financial Institutions 65.8 20.5 23.1 19.6 28.5
Deposits - Demand Deposits - Due to Banks & Financial Institutions 5.2 4.5 2.0 2.1 1.5
Deposits - Savings - Due to Banks & Financial Institutions 60.7 16.0 21.1 17.5 27.0
Deposits - Other - Due to Banks & Financial Institutions 0.0 0.0 0.0 — —
Current Portion of Long-Term Debt including Capitalized Leases 17.0 41.1 48.4 22.1 28.3
Capitalized Leases - Current Portion 1.0 0.5 — — 0.0
Short-Term Debt & Notes Payable 21.6 37.7 24.9 69.5 43.9
Debt - Long-Term - Total 41.4 45.7 43.6 22.2 17.3
Short-Term Banking Borrowings excluding Collateralized Financing 18.7 37.3 24.9 6.7 8.3
Collateralized Financing Agreements, REPO Financing Loans - Liabilities 3.0 0.4 0.0 62.8 35.7
Securities Sold under Repurchase Agreements & Federal Funds Purchased 3.0 0.4 0.0 62.8 35.7
Securities Sold under Repurchase Agreements 3.0 0.4 0.0 62.8 35.7
Current Portion of Long-Term Debt excluding Capitalized Leases 16.0 40.6 48.4 22.1 28.3
Capitalized Lease Obligations - Long-Term 9.1 7.3 6.7 2.8 3.4
Long-Term Debt excluding Capitalized Leases 20.8 26.9 25.6 12.4 6.9
Debt - Non-Convertible - Long-Term 20.8 26.9 25.6 12.4 6.9
Dividends Payable 0.1 0.0 0.2 0.0 0.0
Deferred Tax & Investment Tax Credits - Long-Term 0.0 2.5 0.9 0.2 1.3
Deferred Tax - Liability - Long-Term 0.0 2.5 0.9 0.2 1.3
Payables & Accrued Expenses 22.6 29.3 25.6 9.2 7.3
Accrued Expenses 12.0 9.6 6.3 1.8 1.4
Junior Subordinated Debentures & Notes Payable - Trust Account 11.5 11.5 11.3 7.0 7.0
Other Liabilities - Total 26.6 41.4 14.7 8.3 5.0
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Net — — — — —
Other Payables - Total 3.0 6.1 4.1 2.4 2.5
Other Liabilities - 26.1 40.9 14.3 8.0 4.8
Interest Payable 7.6 13.7 15.1 5.1 3.4
Derivative Liabilities - Hedging 0.4 0.7 1.9 0.6 0.2
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Gross — — — — —
Deferred Revenue/Income 0.5 0.5 0.4 0.4 0.3
Licenses, Franchises, Copy/Property Rights, Prototypes, Contract Based, Models & Designs - Accumulated Amortization & Impairment — — — — —
Total Liabilities 1,334.5 1,282.2 1,170.0 597.3 565.5
Shareholders' Equity - Attributable to Parent Shareholders - Total 68.4 64.4 50.5 22.9 23.4
Common Equity Attributable to Parent Shareholders 68.4 64.4 50.5 22.9 23.4
Common Equity - Contributed 20.5 20.5 20.5 10.1 10.1
Common Stock - Issued & Paid 20.5 20.5 20.5 10.1 10.1
Equity - Non-Contributed - Reserves & Retained Earnings 47.9 43.9 30.0 12.8 13.3
Retained Earnings - Total 42.4 35.7 25.1 11.0 9.9
Comprehensive Income - Accumulated - Total 5.5 8.1 4.9 1.8 3.4
Investments - Unrealized Gain/Loss — — — (0.4) 1.4
Foreign Currency Translation Adjustment - Accumulated — — — 0.5 0.2
Common Equity - Total 68.4 64.4 50.5 22.9 23.4
Common Stock - Additional Paid in Capital including Option Reserve — — — — —
Minority Interest - Equity 12.7 12.4 9.5 0.4 0.4
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 81.1 76.8 60.0 23.3 23.8
Total Liabilities & Equity 1,415.6 1,359.0 1,230.0 620.5 589.3
Revaluation Reserves 5.5 8.1 4.9 1.8 1.9
Preferred Shareholders Equity — — — — —
Preferred Stock - Non-Redeemable — — — — —
Preferred Stock - Convertible - Non-Redeemable — — — — —
Common Shares - Issued - Total mn 2,050.7 2,050.7 2,050.7 1,297.5 1,297.5
Common Shares - Outstanding - Total mn 2,050.7 2,050.7 2,050.7 1,297.5 1,297.5
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 3,850.0 3,850.0 3,850.0 3,850.0 2,350.0
Common Shares - Issued - Issue Specific mn 2,050.7 2,050.7 2,050.7 1,297.5 1,297.5
Common Shares - Outstanding - Issue Specific mn 2,050.7 2,050.7 2,050.7 1,297.5 1,297.5
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 9.0 7.1 — 2.5 3.1
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 9.0 7.1 — 2.5 3.1
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 39.2 28.2 — 8.8 8.5
Finance and Operating Lease Liabilities - Total - Supplemental 10.1 7.8 6.7 2.8 3.4
Debt including Finance and Operating Lease Liabilities - Supplemental 80.0 124.5 116.9 113.7 89.5
Net Debt (39.3) 35.3 29.4 87.2 54.1
Debt - Long-Term - Maturities - Total — — — 34.4 35.2
Debt - Long-Term - Maturities - within 1 Year — — — 22.1 28.3
Debt - Long-Term - Maturities - Year 2 — — — 3.1 0.4
Debt - Long-Term - Maturities - Year 3 — — — 1.1 1.2
Debt - Long-Term - Maturities - Year 5 — — — 2.6 2.9
Debt - Long-Term - Maturities - Remaining — — — 5.6 2.3
Debt - Long-Term - Maturities - 2-3 Years — — — 4.2 1.6
Capital Lease Maturities - Total — — — — 0.0
Debt - Long-Term - Maturities - 4-5 Years — — — 2.6 2.9
Capital Lease Maturities - Due within 1 Year — — — — 0.0
Debt - Long-Term - Maturities - Year 6 & Beyond — — — 5.6 2.3
Capital Lease Maturities - Due in Year 3 — — — — 0.0
Capital Lease Maturities - Due in Year 2 — — — — 0.0
Capital Lease Maturities - Due in Year 5 — — — — 0.0
Capital Lease Maturities - Remaining Maturities — — — — 0.0
Capital Lease Maturities - Due in 4-5 Years — — — — 0.0
Capital Lease Maturities - Due in 2-3 Years — — — — 0.0
Capital Lease Maturities - Due in Year 6 & Beyond — — — — 0.0
Minority Interest - Total 12.7 12.4 9.5 0.4 0.4
Asset Accruals — — — (10.1) (9.4)
Cash & Cash Equivalents - Total 119.4 89.2 87.5 26.6 35.4
Cash & Securities 700.8 718.7 670.1 341.0 299.3
Cash & Short Term Investments - Total 119.4 89.2 87.5 26.6 35.4
Debt - including Preferred Equity & Minority Interest - Total 92.7 136.9 126.3 114.1 89.9
Earning Assets 1,282.0 1,244.1 1,121.1 572.6 553.9
Demand Deposits - Total 476.6 380.9 322.7 129.6 112.7
Invested Assets - Total 581.5 629.5 582.6 303.1 232.0
Investment Securities — — — 303.1 231.9
Investments - Permanent — — — 0.3 0.3
Net Book Capital 41.8 112.1 89.4 110.4 77.9
Net Operating Assets 41.8 112.1 89.4 110.4 77.9
Provisions - Total 0.0 2.5 0.9 0.2 1.3
Shareholders Equity - Common 68.4 64.4 50.5 22.9 23.4
Savings Deposits - Total 691.7 671.5 652.3 320.0 337.8
Tangible Total Equity 68.7 64.5 51.5 19.4 20.7
Tangible Book Value 55.9 52.1 42.0 19.0 20.3
Total Book Capital 148.4 188.9 167.4 136.6 112.9
Total Capital 161.1 201.3 176.8 137.0 113.3
Total Long Term Capital 81.1 76.8 60.0 23.3 23.8
Trading Account — — — 1.2 2.6
Unearned Revenue - Total 0.5 0.5 0.4 0.4 0.3
Book Value excluding Other Equity 68.4 64.4 50.5 22.9 23.4
Assets Held for Sale/Discontinued Operations - Long-Term & Short-Term — — — — 0.0
Cash & Short Term Investments - Net of Debt 39.3 (35.3) (29.4) (87.2) (54.1)
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 17.0 41.1 48.4 22.1 28.3
Interest Bearing Liabilities - Total 1,284.8 1,208.3 1,126.7 579.0 551.8
Net Debt Including Preferred Equity & Minority Interest (26.6) 47.7 38.9 87.5 54.5
Other Short-Term & Long-Term Assets - Total 72.9 67.4 72.3 17.7 10.7
Other Short-Term & Long-Term Liabilities - Total 26.1 40.9 14.3 8.0 4.8
Tangible Book Value excluding Other Equity 55.9 52.1 42.0 19.0 20.3
Total Debt Excluding Islamic 80.0 124.5 116.9 113.7 89.5
Reserves for Loan Losses - Total — — — 7.4 6.7
Total Available Funds 1,285.9 1,160.6 1,069.9 488.5 486.1
Loans - Gross – Total 581.2 525.4 451.0 239.0 261.3
Deposits - Net 1,138.9 1,063.3 986.8 445.6 433.7
Loans - Net - Total 581.2 525.4 451.0 231.6 254.6
Tangible Book Value & Reserves for Loan Losses - Total — — — 26.5 27.0
Cash in Hand & with Banks - Total — — — 10.1 9.4

Every line the company reported, in the original order and wording, without regrouping or signs changed.