JS Bank Limited (JSBL) Financial Statements, Ratios & Dividends
About
JS Bank Ltd. engages in the provision of commercial banking and related services. It operates through the following segments: Retail Banking, Corporate and Commercial Banking, Treasury, Investment, International and Institutional Banking, Zindigi, Islamic Banking, Brokerage, Asset Management, and Others. The Retail Banking segment includes branch banking, small and medium enterprises, direct sales, private banking, product management, branch distribution network, and tele sales. The Corporate and Commercial Banking segment manages corporate banking, commercial banking and institutional sales related loans, deposits, and other transactions. The Treasury segment consists of asset and liability management and includes all treasury related products such as fixed income money market, FX and derivatives. The Investment, International and Institutional Banking segment refers to the international branch, financial institutions business, home remittances, cash management, employee banking, venture capital and green banking. The Zindigi segment is a digital platform catering branchless banking customers. The Islamic Banking segment offers Islamic Banking operations. The Asset Management deals with the fee for services rendered in connection with advisory and management of mutual funds. The Others segment handles the head office related activities and other functions. The company was founded on March 15, 2006 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 169.10B | 237.48B | |
| Net Income | 5.83B | 10.31B | |
| EPS | 2.84 | 5.03 | |
| ROE | 8.78% | 17.96% | |
| ROA | 0.42% | 0.80% | |
| Net Margin | 6.76% | 11.47% | |
| Current Ratio | 0.19 | 0.17 | |
| DPS | 0.00 | 0.00 | |
| Free Cash Flow | -65.03B | 63.43B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 146.40B | 221.94B | |
| Total Interest Expense | -82.88B | -147.58B | |
| Net Interest Income | 63.52B | 74.36B | |
| Loan Loss Provision | -3.03B | -5.43B | |
| Net Interest Income after LLP | 60.49B | 68.94B | |
| Non-Interest Income | 22.70B | 15.54B | |
| Commissions & Fees | 10.40B | 8.41B | |
| Foreign Exchange Income | 3.29B | 4.63B | |
| Non-Interest Expense | -64.36B | -54.01B | |
| Labor & Personnel | -27.46B | -20.87B | |
| Total Revenue | 169.10B | 237.48B | |
| Operating Income | 18.82B | 30.46B | |
| Pre-Tax Income | 18.88B | 30.27B | |
| Income Tax | -11.76B | -17.32B | |
| Minority Interest | -1.71B | -3.05B | |
| Net Income | 5.83B | 10.31B | |
| EPS (Basic) | 2.84 | 5.03 | |
| EPS (Diluted) | 2.84 | 5.03 | |
| Non-Interest Income / Revenue | 26.33% | 17.28% | |
| Operating Margin | 21.83% | 33.88% | |
| Net Margin | 6.76% | 11.47% | |
| Pre-Tax Margin | 11.17% | 12.75% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 11.13% | 12.31% | |
| Tier 1 Capital Ratio | 12.37% | 13.56% | |
| Tier 2 Capital Ratio | 2.26% | 4.50% | |
| Total Capital Ratio | 14.63% | 18.07% | |
| Tier 1 Capital | 65.97B | 59.57B | |
| Risk-Weighted Assets | 533.37B | 439.19B | |
| Asset Quality | |||
| Non-Performing Loans | 90.41B | 91.19B | |
| NPL Ratio (NPL/Gross Loans) | 0.15% | 0.16% | |
| Loan Loss Coverage | 0.07% | 0.07% | |
| NPL / Loan Loss Reserve | 2.06 | 2.21 | |
| Reserve / Gross Loans | 0.07% | 0.07% | |
| Profitability | |||
| Return on Equity (ROE) | 8.78% | 17.96% | |
| Return on Assets (ROA) | 0.42% | 0.80% | |
| Operating Margin | 21.83% | 33.88% | |
| Net Margin | 6.76% | 11.47% | |
| Yield on Earning Assets | 12.56% | 20.15% | |
| Interest Income / Deposits | 5.79% | 7.27% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.80% | 0.78% | |
| Loans / Deposits (ADR) | 0.55% | 0.54% | |
| Loans / Total Assets | 0.44% | 0.42% | |
| Equity / Deposits | 0.06% | 0.06% | |
| Cash / Deposits | 0.62% | 0.67% | |
| CASA Ratio | 0.42% | 0.35% | |
| Per Share | |||
| Book Value Per Share | 33.36 | 31.40 | |
| Tangible Book Per Share | 27.28 | 25.42 | |
| Shares & Market | |||
| Total Shares Outstanding | 2,050,662,536 | 2,050,662,536 | |
| Market Cap | 34.59B | 18.58B | |
| Enterprise Value | 66.86B | 100.96B | |
| Employees | 13,795 | 12,772 | |
| Shareholders | 3,621 | 3,621 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 0.00 | 0.00 | |
| Dividend Yield | 0.00% | 0.00% | |
| Payout Ratio | 0.00% | 0.00% | |
| Total Dividends Paid | 0 | 0 |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 5.94 | 1.80 | |
| P/B Ratio | 0.51 | 0.29 | |
| P/S Ratio | 0.40 | 0.21 | |
| P/CF Ratio | — | 0.27 | |
| Market Cap | 34.59B | 18.58B | |
| Enterprise Value | 66.86B | 100.96B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 156.53B | |
| Operating Income | 17.70B | |
| Net Income | 5.91B | |
| Free Cash Flow | 7.07B | |
| EPS (Basic) | 2.88 | |
| Margins | ||
| Operating Margin | 21.18% | |
| Net Margin | 7.07% | |
| Returns | ||
| Return on Equity (ROE) | 8.59% | |
| ROIC | 0.03% | |
| Coverage & Debt | ||
| Debt / Revenue | 0.91 | |
| Valuation & Scores | ||
| P/E (TTM) | 4.22 | |
| Sloan Ratio | 7.52 | |
| Zmijewski Score | 1.02 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 8.78% | |
| Return on Tangible Equity | 10.78% | |
| Return on Tangible Assets | 0.42% | |
| Return on Total Capital | 8.55% | |
| ROCE | 3.42% | |
| Growth | ||
| EPS Diluted Growth | -0.43% | |
| Sustainable Growth Rate | 8.78% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 1.00 | |
| Sloan Ratio | 6.22 | |
| Valuation (Computed) | ||
| Graham Number | 46.18 | |
| Tobin's Q Ratio | 0.02 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.65% | |
| Assets / Equity (Leverage) | 20.69 | |
| Effective Interest Rate | 12.42% | |
| Debt / Revenue | 0.76 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 4.05 | |
| Dividends (Computed) | ||
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 6.25M | |
| Net Income / Employee | 422.4K | |
| Oper. Income / Employee | 1.36M | |
| Total Assets / Employee | 102.62M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||