JS Bank Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	138,808	145,848	221,491	132,010	72,224	39,227
Interest Income on Investments	485.98	556.71	451.84	489.58	227.2	205.32
Total Interest Income	139,294	146,405	221,943	132,499	72,452	39,433
Interest Paid on Deposits	72,968	82,791	147,488	92,495	57,260	27,200
Net Interest Income	66,326	63,613	74,454	40,004	15,192	12,232
Net Interest Income Growth	-1.72%	-14.56%	86.12%	163.33%	24.19%	21.77%
Gain (Loss) on Sale of Assets	186.59	186.59	61.53	86.24	54.59	12.31
Gain (Loss) on Sale of Investments	2,564	7,651	1,495	717.44	-22.8	163.13
Gain (Loss) on Sale of Equity Investments	-4.8	418.9	409.54	-60.64	-12.98	19.01
Other Non-Interest Income	15,891	14,987	13,720	11,832	6,003	5,637
Total Non-Interest Income	18,637	23,243	15,686	12,575	6,022	5,831
Non-Interest Income Growth	-11.23%	48.18%	24.74%	108.83%	3.27%	-20.68%
Revenues Before Loan Losses	84,963	86,857	90,140	52,580	21,213	18,063
Provision for Loan Losses	-2,470	2,910	7,414	6,020	965.79	1,960
Revenue	87,433	83,947	82,726	46,559	20,248	16,104
Revenue Growth	5.34%	1.47%	77.68%	129.95%	25.73%	-1.36%
Salaries and Employee Benefits	409.87	440.85	669.54	330.73	45.08	55.1
Selling, General & Administrative	2,433	2,433	2,968	2,420	1,188	398.73
Other Non-Interest Expense	66,935	62,004	48,517	28,631	16,746	13,380
Total Non-Interest Expense	69,778	64,878	52,154	31,382	17,979	13,834
EBT Excluding Unusual Items	17,655	19,069	30,572	15,178	2,269	2,270
Asset Writedown	-	-	-	-	-133	-18.56
Other Unusual Items	232.26	232.26	107.4	3,501	172.94	6.69
Pretax Income	17,887	19,301	30,679	18,678	2,309	2,258
Income Tax Expense	10,726	11,762	17,319	8,301	1,218	1,041
Earnings From Continuing Operations	7,161	7,539	13,360	10,377	1,090	1,217
Minority Interest in Earnings	-1,095	-1,712	-3,051	-916.2	-8.53	-22.74
Net Income	6,067	5,827	10,309	9,461	1,082	1,195
Net Income to Common	6,067	5,827	10,309	9,461	1,082	1,195
Net Income Growth	25.20%	-43.48%	8.97%	774.55%	-9.45%	7.59%
Basic Shares Outstanding	2,049	2,051	2,051	1,578	1,297	1,297
Diluted Shares Outstanding	2,049	2,051	2,051	1,578	1,297	1,297
Shares Change	-0.10%	-	29.97%	21.61%	-	-
EPS (Basic)	2.96	2.84	5.03	6.00	0.83	0.92
EPS (Diluted)	2.96	2.84	5.03	6.00	0.83	0.92
EPS Growth	25.33%	-43.48%	-16.15%	619.14%	-9.45%	7.59%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Effective Tax Rate	59.96%	60.94%	56.45%	44.45%	52.77%	46.08%