About
JS Bank Ltd. engages in the provision of commercial banking and related services. It operates through following segments: Retail Banking, Corporate and Commercial Banking, Treasury, FI and Home Remittance, International Banking, Investment Banking, Zindigi, 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 corporate banking, commercial banking and institutional sales related loans, deposits, and other transactions. The Treasury, FI and Home Remittance segment consists of asset and liability management and includes all treasury related products such as fixed income money market, FX and derivatives. The Zindigi segment is a digital platform catering branchless banking customers. The Others segment includes 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 | 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 |