JS Bank Reports Profit Before Tax of PKR 6.191 Billion for year ended December 2025

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.”