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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) income statement

JS Bank Limited reported total income of Rs 83.7 bn for FY2025 (Jan – Dec 2025), down 4.6% on FY2024. Net interest income was Rs 63.6 bn, down 14.5% on FY2024, with non-interest income of Rs 20.1 bn. Tax of Rs 11.8 bn took 60.9% of pre-tax profit. Profit attributable to shareholders was Rs 5.8 bn, down 43.5% on FY2024, or Rs 2.84 per share.

JSBL income statement (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
Interest & dividend income 146.4 221.9 132.5 72.5 39.4
Interest expense (82.8) (147.5) (92.5) (57.3) (27.2)
Net interest income 63.6 74.4 40.0 15.2 12.2
Fee & commission income (net) 9.3 7.2 4.5 3.3 4.1
Foreign exchange income 3.3 4.6 5.9 2.2 1.2
Gain / (loss) on securities 7.7 1.5 0.7 (0.0) 0.2
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
Taxation (11.8) (17.3) (7.9) (1.2) (1.0)
Profit after tax 7.5 13.4 10.4 1.1 1.2
Profit attributable to shareholders 5.8 10.3 9.4 1.1 1.2
Per share
EPS – basic (Rs) Rs 2.84 5.03 5.99 0.83 0.92
EPS – diluted (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
Weighted average shares mn 2,050.7 2,050.7 1,577.9 1,297.5 1,297.5
JSBL income statement — 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
Interest & dividend income -34.0% +67.5% +82.9% +83.7% -9.0%
Interest expense -43.9% +59.5% +61.5% +110.5% -18.3%
Net interest income -14.5% +86.0% +163.3% +24.2% +21.8%
Fee & commission income (net) +28.5% +60.6% +35.0% -18.7% -5.1%
Foreign exchange income -28.9% -21.2% +171.5% +81.9% +17.7%
Gain / (loss) on securities +411.6% +108.4% — -114.0% -91.5%
Total non-interest income +50.6% +20.7% +105.6% -1.3% -24.9%
Total income -4.6% +71.9% +148.2% +16.3% +2.2%
Operating expenses +13.1% +58.1% +98.1% +17.4% +6.3%
Provisions & impairment (loans) -60.8% +11.5% +540.5% -52.9% +169.9%
Profit before tax -37.1% +67.4% +694.0% +2.2% +4.1%
Taxation -32.1% +118.0% +552.2% +17.1% -1.9%
Profit after tax -43.6% +28.6% +852.5% -10.4% +9.8%
Profit attributable to shareholders -43.5% +9.1% +773.5% -9.5% +7.6%
Per share
EPS – basic (Rs) -43.5% -16.0% +618.2% -9.5% +7.6%
EPS – diluted (Rs) -43.5% -16.0% +618.2% -9.5% +7.6%
Dividend per share (Rs) — — — — —
Weighted average shares — — — — —

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

JSBL income statement — 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
Interest & dividend income 174.9% 252.8% 259.5% 352.2% 223.0%
Interest expense (98.9%) (168.0%) (181.1%) (278.4%) (153.8%)
Net interest income 76.0% 84.8% 78.3% 73.9% 69.2%
Fee & commission income (net) 11.1% 8.2% 8.8% 16.2% 23.1%
Foreign exchange income 3.9% 5.3% 11.5% 10.5% 6.7%
Gain / (loss) on securities 9.1% 1.7% 1.4% (0.1%) 0.9%
Total non-interest income 24.0% 15.2% 21.7% 26.1% 30.8%
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (77.9%) (65.7%) (71.4%) (89.5%) (88.7%)
Provisions & impairment (loans) 3.5% 8.4% 13.0% 5.0% 12.5%
Profit before tax 23.1% 35.0% 35.9% 11.2% 12.8%
Taxation (14.0%) (19.7%) (15.6%) (5.9%) (5.9%)
Profit after tax 9.0% 15.2% 20.3% 5.3% 6.9%
Profit attributable to shareholders 7.0% 11.7% 18.5% 5.3% 6.8%

Each line as a percentage of total income.

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 155
JSBL income statement — 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
Interest & Dividend Income/(Expense) - Net - Finance 63.6 74.4 40.0 15.2 12.2
Interest & Dividend Income - Finance - Total 146.4 221.9 132.5 72.5 39.4
Interest Income - Loans/Deposits 145.5 216.7 130.6 72.2 39.2
Interest & Fees on Loans & Receivables 143.0 214.6 127.3 70.7 38.4
Interest Income - Deposits to Other Financial Institutions 1.1 1.7 0.5 0.1 0.1
Interest & Dividend Income - Other - Finance 0.6 0.5 0.5 0.2 0.2
Interest Income - Collateralized Financing 1.3 0.4 2.9 1.3 0.7
Interest & Dividend Income - Investment Securities - Finance 0.4 4.7 1.4 0.1 0.1
Net Commission & Fees Income/Expense - Business Revenue 9.3 7.2 4.5 3.3 4.1
Fees & Commissions Income 11.6 9.0 6.0 3.9 4.4
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 0.4 4.7 1.4 0.1 0.1
Fees & Commissions Expense 2.4 1.8 1.5 0.6 0.3
Investments & Loans - Business - Gain/(Loss) 7.6 1.5 0.7 (0.1) 0.2
Interest Expense - Finance - Total 82.8 147.5 92.5 57.3 27.2
Interest Expense - Operational Financing - Business 65.3 118.7 74.0 39.4 22.3
Interest Expense - Deposits 62.9 114.0 72.0 38.8 21.8
Investment Securities - Business - Gain/(Loss) 7.7 1.5 0.7 (0.0) 0.2
Interest Expense - Collateralized Financing — — — — —
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 7.6 1.9 0.6 (0.0) 0.2
Interest Expenses - Other - Total 2.4 4.7 1.9 0.6 0.5
Interest Expense - External Financing Business 17.4 28.8 18.5 17.9 4.9
Non-Interest Business Revenue/(Expense) - Net - Total 20.1 13.4 11.1 5.4 5.4
Derivatives - Hedging - Business - Gain/(Loss) (0.1) 0.0 (0.0) (0.1) 0.0
Derivatives - Hedging - Business - Fair Value Adjustments - Gain/(Loss) (0.1) — — — —
Trust Income — — — — —
Net Foreign Exchange Income/(Expense) - Business Revenue 3.3 4.6 5.9 2.2 1.2
Trading Investments/Trading Account Income - Gain/(Loss) 0.0 (0.4) 0.1 0.0 (0.1)
Trading Investments - Unrealized Gain/(Loss) 0.0 (0.4) 0.1 0.0 (0.1)
Investment Securities - Business Unclassified - Gain/(Loss) — — — — —
Revenue from Business Activities - Total 83.7 87.8 51.1 20.6 17.7
Selling, General & Administrative Expenses - Total 62.2 50.2 29.8 17.3 13.5
Selling, General & Administrative Expenses - Unclassified 23.2 18.9 11.4 5.5 4.9
Depreciation in Selling, General & Administrative Expenses 7.3 5.8 3.1 2.1 1.8
Amortization of Intangibles in Selling, General & Administrative Expenses 1.1 0.8 0.3 1.0 0.1
Equipment/Occupancy Expense - Bank/Financial - Other 0.2 0.1 0.1 0.0 0.0
Other Operating Expense/(Income) - Net 0.2 0.0 0.1 0.1 (0.0)
Other Operating Income - Total 0.2 0.1 0.0 0.0 0.0
Operating Expenses - Total 65.3 57.7 36.5 18.4 15.7
Provision & Impairment for Loan Losses 2.9 7.4 6.6 1.0 2.2
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 27.9 21.6 12.4 7.5 6.2
Selling, General & Administrative Expenses - Other - Total 2.6 3.1 2.6 1.2 0.4
Advertising Expense 2.4 3.0 2.5 1.2 0.4
Operating Profit before Non-Recurring Income/(Expense) 18.5 30.1 14.6 2.2 2.0
Other Operating Expense 0.4 0.1 0.1 0.1 0.0
Operating Provisions - Increase/(Decrease) — — — — —
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.2 0.1 0.1 0.1 0.0
Equity Earnings/(Loss) - before Taxes including Non-Recurring 0.4 0.4 (0.1) (0.0) 0.0
Other Non-Operating Income/(Expense) - Total — — — — —
Normalized Pre-tax Profit 19.1 30.6 14.6 2.2 2.0
Non-Recurring Income/Expense - Total 0.2 0.1 3.7 0.1 0.2
Impairment - Tangible & Intangible Fixed Assets — — — 0.1 0.0
Impairment - Fixed Assets — — — 0.1 0.0
Impairment - Intangibles excluding Goodwill — — — — —
Impairment - Financial Investments — — — (0.1) (0.3)
Early Extinguishment of Lease Related Debts - Gain/(Loss) 0.2 0.1 0.1 0.2 0.0
Recognition of Negative Goodwill — 0.0 3.6 — —
Non-Recurring Income/(Expense) - Other - Total — — — — —
Provision for Income Tax Expense- Unclassified 11.8 17.3 7.9 — —
Income before Taxes 19.3 30.7 18.3 2.3 2.3
Income Taxes 11.8 17.3 7.9 1.2 1.0
Impairment - Goodwill — — — — —
Income Taxes for the Year - Current — — — 1.2 1.1
Income Taxes - Domestic - Current — — — — —
Income Taxes - Deferred — — — (0.0) 0.1
Income Taxes - Domestic - Deferred — — — — —
Income Taxes - Other (by Type) — — — 0.0 (0.1)
Net Income after Tax 7.5 13.4 10.4 1.1 1.2
Income before Discontinued Operations & Extraordinary Items 7.5 13.4 10.4 1.1 1.2
Net Income before Minority Interest 7.5 13.4 10.4 1.1 1.2
Minority Interest 1.7 3.1 0.9 0.0 0.0
Net Income after Minority Interest 5.8 10.3 9.4 1.1 1.2
Income Available to Common Shares 5.8 10.3 9.4 1.1 1.2
Distribution for Preferred Shares — — — — —
DPS - Common - Gross - Issue - By Period End Date Rs 0.00 0.00 0.00 0.00 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 5.8 10.3 9.4 1.1 1.2
Income available to Common excluding Extraordinary Items 5.8 10.3 9.4 1.1 1.2
Shares used to calculate Basic EPS - Total mn 2,050.7 2,050.7 1,577.9 1,297.5 1,297.5
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 2.84 5.03 5.99 0.83 0.92
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 2.84 5.03 5.99 0.83 0.92
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 2.73 4.98 3.63 0.75 0.74
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 5.8 10.3 9.4 1.1 1.2
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 2,050.7 2,050.7 1,577.9 1,297.5 1,297.5
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 2.84 5.03 5.99 0.83 0.92
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 2.84 5.03 5.99 0.83 0.92
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 2.73 4.98 3.63 0.75 0.74
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Dilution Adjustment — — — — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 5.8 10.3 9.4 1.1 1.2
Diluted Income available to Common excluding Extraordinary Items 5.8 10.3 9.4 1.1 1.2
Shares used to calculate Diluted EPS - Total mn 2,050.7 2,050.7 1,577.9 1,297.5 1,297.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 2.84 5.03 5.99 0.83 0.92
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 2.84 5.03 5.99 0.83 0.92
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 2.73 4.98 3.63 0.75 0.74
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 5.8 10.3 9.4 1.1 1.2
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 2,050.7 2,050.7 1,577.9 1,297.5 1,297.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 2.84 5.03 5.99 0.83 0.92
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 2.84 5.03 5.99 0.83 0.92
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 2.73 4.98 3.63 0.75 0.74
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
DPS - Common - Gross - Issue - By Announcement Date Rs 0.00 0.00 0.00 0.00 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 0.00 0.00 0.00 0.00 0.00
Earnings before Interest & Taxes (EBIT) 18.5 30.1 14.6 2.2 2.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 26.9 36.7 18.0 5.2 4.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments — — — — —
Depreciation & Amortization - Supplemental 8.4 6.6 3.4 3.1 2.0
Depreciation Expense - Total - Supplemental 7.3 5.8 3.1 2.1 1.8
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 3.4 2.7 1.4 1.1 1.0
Amortization - Total - Supplemental 1.1 0.8 0.3 1.0 0.1
Goodwill Amortization - Supplemental — — — — —
Depreciation, Depletion & Amortization - Total 8.4 6.6 3.4 3.1 2.0
Amortization of Deferred Costs - Supplemental — — — — —
Depreciation - Total 7.3 5.8 3.1 2.1 1.8
Amortization of Intangible Assets including Goodwill - Total — — — — —
Amortization of Goodwill - Total — — — — —
Amortization of Intangible Assets excluding Goodwill - Total 1.1 0.8 0.3 1.0 0.1
Amortization of Deferred Charges - Total — — — — —
Labor & Related Expenses - Total 27.9 21.6 12.4 7.5 6.2
Labor & Related Expenses - Supplemental 27.9 21.6 12.4 7.5 6.2
Auditor Fees — — — — —
Audit-Related Fees — — — — —
Tax Fees — — — — —
Fees - Other — — — — —
Normalized after Tax Profit 7.3 13.3 6.7 1.0 1.0
Normalized Net Income from Continuing Operations 7.3 13.3 6.7 1.0 1.0
Normalized Net Income - Bottom Line 5.6 10.2 5.7 1.0 1.0
Earnings before Interest & Taxes (EBIT) - Normalized 19.1 30.6 14.6 2.2 2.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 27.5 37.2 18.0 5.3 4.0
Loan Losses - Net — — — — 2.5
Loan Recoveries - Actual — — — — 0.8
Loan Losses - Actual 0.5 0.2 0.1 0.2 3.2
Interest Expense on Financial Lease Liabilities - Supplemental 1.4 1.2 1.0 0.4 0.4
Rental/Operating Lease Expense — — — — —
Advertising Expenses - Supplemental 2.4 3.0 2.5 1.2 0.4
Interest Expense 82.8 147.5 92.5 57.3 27.2
Interest & Dividend Income after Loan Loss Provision - Net - Finance 60.7 67.0 33.4 14.2 10.0
Commissions & Fees from Securities Activities 3.2 1.8 1.0 0.6 1.0
Revenue after Loan Provisions - Net - Finance 143.5 214.5 125.9 71.4 37.2
Operating Expenses 65.3 57.7 36.5 18.4 15.7
Foreign Exchange Gain/(Loss) 3.3 4.6 5.9 2.2 1.2
Selling, General & Administrative Expenses excluding Research & Development Expenses 62.2 50.2 29.8 17.3 13.5
Investment Gain/(Loss) 8.2 1.9 1.2 0.2 0.4
Non-Interest Expense - Bank 61.5 49.7 26.1 17.2 13.2
Income before Taxes & Provision for Loan Losses 22.2 38.1 25.0 3.3 4.5
DPS - Common - Gross - Issue - By Payable Date Rs 0.00 0.00 0.00 0.00 0.00
DPS - Common - Gross - Issue - By Ex Date Rs 0.00 0.00 0.00 0.00 0.00
Tax Adjusted Operating Income 5.8 10.3 9.4 1.1 1.2
Operating Expenses excluding Non-Cash Charges - Total 56.8 51.0 33.1 15.3 13.7
Revenue Net of Interest Expense Before Loan Loss Provision 83.7 87.8 51.1 20.6 17.7
Income from Earning Assets 157.4 227.7 139.2 74.6 40.7
Income Available to Common Shares before Depreciation & Amortization 14.3 16.9 12.9 4.2 3.2
Commissions and Fees 9.3 7.2 4.5 3.3 4.1
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 0.00 0.00 0.00 0.00 0.00

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