Karachi, October 24, 2025 — JS Bank Limited (PSX: JSBL) today announced its financial results for the nine months ended September 30, 2025. The bank demonstrated growth in total income and continued its strategic focus on long-term value creation, with total income rising to PKR 31.26 billion, a 5% increase from PKR 29.76 billion earned in the same period last year.
The Bank reported a Profit before tax of PKR 5.67 billion for the period, as against PKR 6.24 billion for the same period last year. The slight decline was primarily attributed to marginally higher credit loss allowances, as the Bank continued to improve its loan loss coverage. Despite lower interest rates, the Bank’s Net Interest Income ended higher by 2% year on year, to PKR 20.33 billion, while Non mark-up income rose by 12% to PKR 10.93 billion, driven by healthy fee, commission and other income, dividend income, and notable gains on securities.
Consequently, the Bank’s earnings per share (EPS) were PKR 1.25 for the nine months of 2025, compared to PKR 1.55 during the same period of 2024.
The Bank’s deposit base showed further strength, with non-remunerative deposits rising to PKR 200.43 billion from PKR 198.41 billion at December 2024. Further, on a year-on-year basis, non-remunerative deposits improved by PKR 10.64 billion or 6%. Savings deposits expanded significantly to PKR 218.99 billion, compared to PKR 172.84 billion last year, while term deposits stood at PKR 136.99 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, stated, “The stable growth in our deposit base represents JS Bank’s long-term strategic vision for sustainable expansion and value creation. Our recent recognition by S&P Global Market Intelligence among the top-performing banks in the Asia-Pacific region for shareholder returns in Q3 2025 reflects the continued trust of our customers and stakeholders in our strategy and direction. As we move forward, we remain focused on enhancing income diversification, digital transformation, and delivering meaningful impact across all areas of our business.”