JS Bank Limited (PSX:JSBL)

JS Bank Income Statement

Financials in millions PKR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	164,173	221,453	132,010	72,224	39,227	43,192
Interest Income on Investments	539.21	451.84	489.58	227.2	205.32	135.12
Total Interest Income	164,712	221,905	132,499	72,452	39,433	43,327
Interest Paid on Deposits	97,392	147,488	92,495	57,260	27,200	33,281
Net Interest Income	67,320	74,417	40,004	15,192	12,232	10,046
Net Interest Income Growth (YoY)	-9.56%	86.02%	163.33%	24.19%	21.77%	35.88%
Gain (Loss) on Sale of Assets	94.74	61.53	86.24	54.59	12.31	11.68
Gain (Loss) on Sale of Investments	5,691	1,495	717.44	-22.8	163.13	1,921
Gain (Loss) on Sale of Equity Investments	820.69	409.54	-60.64	-12.98	19.01	-15.26
Other Non-Interest Income	14,538	13,757	11,832	6,003	5,637	5,434
Total Non-Interest Income	21,145	15,724	12,575	6,022	5,831	7,351
Non-Interest Income Growth (YoY)	22.35%	25.04%	108.83%	3.27%	-20.68%	72.32%
Revenues Before Loan Losses	88,465	90,140	52,580	21,213	18,063	17,397
Provision for Loan Losses	5,482	7,414	6,020	965.79	1,960	1,072
Revenue	82,983	82,726	46,559	20,248	16,104	16,325
Revenue Growth (YoY)	-1.45%	77.68%	129.95%	25.73%	-1.36%	38.93%
Salaries and Employee Benefits	482.97	669.54	330.73	45.08	55.1	46.47
Selling, General & Administrative	1,979	2,465	2,496	1,188	398.73	461.63
Other Non-Interest Expense	59,362	49,020	28,556	16,746	13,380	13,531
Total Non-Interest Expense	61,824	52,154	31,382	17,979	13,834	14,039
EBT Excluding Unusual Items	21,160	30,572	15,178	2,269	2,270	2,286
Asset Writedown	-	-	-	-133	-18.56	-181.89
Other Unusual Items	76.84	107.4	3,501	172.94	6.69	64.81
Pretax Income	21,237	30,679	18,678	2,309	2,258	2,169
Income Tax Expense	14,470	17,319	8,301	1,218	1,041	1,060
Earnings From Continuing Operations	6,766	13,360	10,377	1,090	1,217	1,108
Minority Interest in Earnings	-1,921	-3,051	-916.2	-8.53	-22.74	1.94
Net Income	4,846	10,309	9,461	1,082	1,195	1,110
Net Income to Common	4,846	10,309	9,461	1,082	1,195	1,110
Net Income Growth	-62.23%	8.97%	774.55%	-9.45%	7.59%	-
Basic Shares Outstanding	2,051	2,051	1,578	1,297	1,297	1,297
Diluted Shares Outstanding	2,051	2,051	1,578	1,297	1,297	1,297
Shares Change (YoY)	0.06%	29.97%	21.61%	-	-	-
EPS (Basic)	2.36	5.03	6.00	0.83	0.92	0.86
EPS (Diluted)	2.36	5.03	6.00	0.83	0.92	0.86
EPS Growth	-62.25%	-16.15%	619.14%	-9.45%	7.59%	-
Effective Tax Rate	68.14%	56.45%	44.45%	52.77%	46.08%	48.89%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.