Last close · 16 Oct 2026
Rs 12.39 +0.32%
Financials
JS Bank Limited (JSBL) financials
19 years of annual results (FY2007 – FY2025), 78 quarters.
JS Bank Limited (JSBL) reported total income of Rs 83.7 bn for FY2025 (Jan – Dec 2025), down 4.6% from FY2024.
Profit attributable to shareholders was Rs 5.8 bn (EPS Rs 2.84), down 43.5%.
No cash dividend was declared for FY2025.
Deposits stood at Rs 1.20 tn and net advances at Rs 581.2 bn, an advances-to-deposits ratio of 48.2%.
Return on equity was 8.8%.
Over the last five years total income grew at a compound 37.1% a year.
At Rs 12.39 (close on 16 Oct 2026) the shares trade at 4.3× earnings (TTM to Jun 2026) and 0.36× book value.
Fundamentals
JSBL at a glance
Total income · FY2025
Rs 83.7 bn
▼ 4.6% year on year
Profit attributable to shareholders · FY2025
Rs 5.8 bn
▼ 43.5% year on year
EPS – basic (Rs) · FY2025
Rs 2.84
▼ 43.5% year on year
Dividend per share (Rs) · FY2025
Rs 0.00
Deposits · FY2025
Rs 1.20 tn
▲ 11.2% year on year
Return on equity (ROE) · FY2025
8.8%
-9.2 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 83.7 bn
- Profit attributable · FY2025
- Rs 5.8 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 1.42 tn
- Equity · FY2025
- Rs 68.4 bn
Financial highlights
JSBL financial results
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net interest income | 63.6 | 74.4 | 40.0 | 15.2 | 12.2 |
| Total non-interest income | 20.1 | 13.4 | 11.1 | 5.4 | 5.4 |
| Total income | 83.7 | 87.8 | 51.1 | 20.6 | 17.7 |
| Operating expenses | (65.3) | (57.7) | (36.5) | (18.4) | (15.7) |
| Provisions & impairment (loans) | 2.9 | 7.4 | 6.6 | 1.0 | 2.2 |
| Profit before tax | 19.3 | 30.7 | 18.3 | 2.3 | 2.3 |
| Profit attributable to shareholders | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 |
| EPS – basic (Rs) Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Advances (net) | 581.2 | 525.4 | 451.0 | 231.6 | 254.6 |
| Deposits | 1,204.7 | 1,083.8 | 1,009.9 | 465.2 | 462.3 |
| Total assets | 1,415.6 | 1,359.0 | 1,230.0 | 620.5 | 589.3 |
| Equity attributable to shareholders | 68.4 | 64.4 | 50.5 | 22.9 | 23.4 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 63.6 | 17.4 | 15.4 | 16.4 | 14.5 | 15.9 | 16.9 | 20.5 | 18.7 |
| Total non-interest income | 18.7 | 4.3 | 3.6 | 5.2 | 5.6 | 5.4 | 5.0 | 2.5 | 3.3 |
| Total income | 82.3 | 21.7 | 19.0 | 21.5 | 20.1 | 21.3 | 21.9 | 23.0 | 22.0 |
| Operating expenses | (64.7) | (14.6) | (15.5) | (17.7) | (16.8) | (17.2) | (14.5) | (17.5) | (16.5) |
| Provisions & impairment (loans) | (2.1) | (2.1) | (0.6) | 0.5 | 0.1 | 2.0 | 0.3 | 3.2 | 3.1 |
| Profit before tax | 18.0 | 7.2 | 3.4 | 4.1 | 3.3 | 4.4 | 7.5 | 6.0 | 5.9 |
| Profit attributable to shareholders | 5.9 | 3.2 | 0.9 | 1.2 | 0.6 | 1.6 | 2.4 | 0.2 | 2.2 |
| EPS – basic (Rs) Rs | 2.88 | 1.58 | 0.44 | 0.58 | 0.28 | 0.80 | 1.18 | 0.09 | 1.06 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Advances (net) | 596.2 | 596.2 | 526.0 | 581.2 | 466.4 | 457.8 | 477.5 | 525.4 | 477.1 |
| Deposits | 1,334.3 | 1,334.3 | 1,185.9 | 1,204.7 | 1,159.3 | 1,198.5 | 1,110.7 | 1,083.8 | 1,071.3 |
| Total assets | 1,562.8 | 1,562.8 | 1,440.1 | 1,415.6 | 1,419.2 | 1,416.6 | 1,400.0 | 1,359.0 | 1,330.2 |
| Equity attributable to shareholders | 71.0 | 71.0 | 66.5 | 68.4 | 67.2 | 66.5 | 63.2 | 64.4 | 62.3 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. * Some FY2025 figures do not fully reconcile in the source data. Updated 16 Oct 2026.