About
JS Bank Ltd. engages in the provision of commercial banking and related services. It operates through following segments: Corporate Finance, Trading and Sales, Retail Banking, Commercial Banking, Payment and Settlement, and Others. The Corporate Finance segment includes investment banking activities such as mergers and acquisitions, underwriting, privatization, securitization, initial public offers (IPOs), and secondary private placements. The Trading and Sales segment undertakes the bank's treasury, money market, and capital market activities. The Retail Banking segment provides services to consumers, small and medium enterprises, and agricultural sector, such as loans, deposits, and other transactions with retail customers. The Commercial Banking segment refers to loans, deposits, and other transactions with corporate customers. The Payment and Settlement segment consists of payment and collections, fund transfer, clearing, and settlement. The company was founded on March 15, 2006 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | ||
|---|---|---|---|---|---|---|
| Revenue | 169.10B | 237.48B | 144.98B | 78.52B | 45.22B | |
| Net Income | 5.83B | 10.31B | 9.46B | 1.08B | 1.19B | |
| EPS | 2.84 | 5.03 | 6.00 | 0.83 | 0.92 | |
| ROE | 8.78% | 17.96% | 25.81% | 4.67% | 5.21% | |
| ROA | 0.42% | 0.80% | 1.02% | 0.18% | 0.21% | |
| Net Margin | 6.76% | 11.47% | 18.06% | 5.09% | 6.65% | |
| Current Ratio | 0.19 | 0.17 | 0.25 | 0.21 | 0.21 | |
| DPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Free Cash Flow | -65.03B | 63.43B | -70.24B | 20.66B | 24.09B |