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

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.