JS Bank Limited (PSX:JSBL)
Pakistan
· Delayed Price · Currency is PKR 12.10
+1.10 (10.00%)
At close: Mar 5, 2026
JS Bank Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 145,848 | 221,453 | 132,010 | 72,224 | 39,227 | Upgrade
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| Interest Income on Investments | 556.71 | 451.84 | 489.58 | 227.2 | 205.32 | Upgrade
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| Total Interest Income | 146,405 | 221,905 | 132,499 | 72,452 | 39,433 | Upgrade
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| Interest Paid on Deposits | 82,791 | 147,488 | 92,495 | 57,260 | 27,200 | Upgrade
|
| Net Interest Income | 63,613 | 74,417 | 40,004 | 15,192 | 12,232 | Upgrade
|
| Net Interest Income Growth (YoY) | -14.52% | 86.02% | 163.33% | 24.19% | 21.77% | Upgrade
|
| Gain (Loss) on Sale of Assets | - | 61.53 | 86.24 | 54.59 | 12.31 | Upgrade
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| Gain (Loss) on Sale of Investments | 7,651 | 1,495 | 717.44 | -22.8 | 163.13 | Upgrade
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| Gain (Loss) on Sale of Equity Investments | 418.9 | 409.54 | -60.64 | -12.98 | 19.01 | Upgrade
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| Other Non-Interest Income | 15,405 | 13,757 | 11,832 | 6,003 | 5,637 | Upgrade
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| Total Non-Interest Income | 23,476 | 15,724 | 12,575 | 6,022 | 5,831 | Upgrade
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| Non-Interest Income Growth (YoY) | 49.30% | 25.04% | 108.83% | 3.27% | -20.68% | Upgrade
|
| Revenues Before Loan Losses | 87,089 | 90,140 | 52,580 | 21,213 | 18,063 | Upgrade
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| Provision for Loan Losses | 2,910 | 7,414 | 6,020 | 965.79 | 1,960 | Upgrade
|
| Revenue | 84,179 | 82,726 | 46,559 | 20,248 | 16,104 | Upgrade
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| Revenue Growth (YoY) | 1.76% | 77.68% | 129.95% | 25.73% | -1.36% | Upgrade
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| Salaries and Employee Benefits | 440.85 | 669.54 | 330.73 | 45.08 | 55.1 | Upgrade
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| Selling, General & Administrative | - | 2,465 | 2,496 | 1,188 | 398.73 | Upgrade
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| Other Non-Interest Expense | 64,437 | 49,020 | 28,556 | 16,746 | 13,380 | Upgrade
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| Total Non-Interest Expense | 64,878 | 52,154 | 31,382 | 17,979 | 13,834 | Upgrade
|
| EBT Excluding Unusual Items | 19,301 | 30,572 | 15,178 | 2,269 | 2,270 | Upgrade
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| Asset Writedown | - | - | - | -133 | -18.56 | Upgrade
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| Other Unusual Items | - | 107.4 | 3,501 | 172.94 | 6.69 | Upgrade
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| Pretax Income | 19,301 | 30,679 | 18,678 | 2,309 | 2,258 | Upgrade
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| Income Tax Expense | 11,762 | 17,319 | 8,301 | 1,218 | 1,041 | Upgrade
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| Earnings From Continuing Operations | 7,539 | 13,360 | 10,377 | 1,090 | 1,217 | Upgrade
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| Minority Interest in Earnings | -1,712 | -3,051 | -916.2 | -8.53 | -22.74 | Upgrade
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| Net Income | 5,827 | 10,309 | 9,461 | 1,082 | 1,195 | Upgrade
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| Net Income to Common | 5,827 | 10,309 | 9,461 | 1,082 | 1,195 | Upgrade
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| Net Income Growth | -43.48% | 8.97% | 774.55% | -9.45% | 7.59% | Upgrade
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| Basic Shares Outstanding | 2,052 | 2,051 | 1,578 | 1,297 | 1,297 | Upgrade
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| Diluted Shares Outstanding | 2,052 | 2,051 | 1,578 | 1,297 | 1,297 | Upgrade
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| Shares Change (YoY) | 0.05% | 29.97% | 21.61% | - | - | Upgrade
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| EPS (Basic) | 2.84 | 5.03 | 6.00 | 0.83 | 0.92 | Upgrade
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| EPS (Diluted) | 2.84 | 5.03 | 6.00 | 0.83 | 0.92 | Upgrade
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| EPS Growth | -43.51% | -16.15% | 619.14% | -9.45% | 7.59% | Upgrade
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| Effective Tax Rate | 60.94% | 56.45% | 44.45% | 52.77% | 46.08% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.