Karachi, February 24, 2026 — JS Bank Limited (PSX: JSBL) today announced its financial results
for the year ended December 31, 2025. The bank demonstrated growth in total income and continued
its strategic focus on long-term value creation, with total income rising to PKR 40.313 billion, a 4%
increase from PKR 38.644 billion earned in the prior year.
The Bank reported a Profit before tax of PKR 6.191 billion for the year 2025, as against PKR 6.366
billion for last year. Amidst a lower interest rate environment, the Bank’s Net Interest Income ended
flat year on year, and was reported at PKR 27.149 billion, while Non mark-up income rose by 17%
Year on Year to end at PKR 13.164 billion, driven by healthy fee, commission and other income,
dividend income, and notable gains on securities.
Consequently, the Bank’s earnings per share (EPS) stood at PKR 1.36 for the year 2025, compared to
PKR 1.39 for the year 2024. The Bank’s Profit After Tax was PKR 2.79 billion this year.
JS Bank’s balance sheet showed steady growth and total assets were reported at PKR 655.64 billion,
growing by 3% over December 2024.The Bank’s deposit base showed further strengthening, with
non-remunerative deposits rising to PKR 222.12 billion from PKR 198.41 billion at December 2024,
improving the non-remunerative deposit mix to 41% against 38% last year. On a year on year basis,
non-remunerative deposits improved by PKR 23.71 billion or 12%. Savings deposits expanded
significantly to PKR 204.27 billion, compared to PKR 172.84 billion in last year, while term deposits
stood at PKR 117.11 billion, reflecting a strategic shift towards more liquid and cost-efficient deposit
products.
Operating expenses grew in line with continued investment in people, technology, and infrastructure
to support long-term growth and the bank’s efforts towards enhancing customer experience.
Commenting on the results, Basir Shamsie, President & CEO of JS Bank, said “In 2025, the Bank
remained focused on creating long-term value for its stakeholders, with customers at the core of its
strategy. Despite evolving market conditions, we strengthened income diversification, enhanced
resilience, and continued investing in digital capabilities and service excellence. The growth in non-
markup income and securities gains reflects the progress made in building a more sustainable earnings
profile. We are optimistic that the years ahead will further strengthen our ability to deliver sustainable
growth and long-term value for all our stakeholders.”
About JS Bank
JS Bank is amongst the fastest-growing Banks in Pakistan, with both a domestic and an international presence.
The Bank is a leader in the SME space and has a substantial footprint in Digital Banking and Consumer Loans.
JS Bank has been recognized on multiple international and national forums, including the prestigious
Asia Money, Asian Banking, Finance, DIGI, and Pakistan Banking Awards. JS Bank is part of JS Group, one of
Pakistan’s most diversified and progressive financial services groups. For more information, please visit
http://www.jsbl.com.
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