Karachi, February 24, 2026 – JS Bank Limited announced its financial results for the year ended December 31, 2025, reporting a slight decline in net profit to Rs2.80 billion, down from Rs2.85 billion in the previous year. The annual earnings per share (EPS) also eased to Rs1.36 from Rs1.39.
The bank submitted its unconsolidated financial results to the Pakistan Stock Exchange (PSX), and its board of directors approved the statements on February 24, 2026.
Despite the decline in net profit, JS Bank recorded a slight drop in interest income, earning Rs27.15 billion compared to Rs27.35 billion in 2024. However, the bank saw a substantial increase in non-interest and markup income, rising to Rs13.16 billion from Rs11.29 billion, reflecting strong fee-based and investment income.
As a result, total income for the year grew to Rs40.31 billion, up from Rs38.64 billion in the previous year. On the other hand, operating expenses increased to Rs30.17 billion from Rs27.35 billion, impacting the bottom line.
The bank also paid Rs3.39 billion in income tax for CY25, slightly lower than Rs3.52 billion paid in the preceding year.
JS Bank’s financial results indicate a mixed performance, with rising non-interest income partially offsetting higher operating costs, while overall profitability experienced a modest decline. Analysts note that the bank’s diversified income streams may help it maintain stability despite challenging economic conditions.