JS Bank profit slips 44% in FY2025

MG News | February 24, 2026 at 12:46 PM GMT+05:00

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February 24, 2026 (MLN): JS Bank Limited (PSX: JSBL) posted a profit after tax of Rs7.54bn for the year ended December 31, 2025, down 43.6% from Rs13.36bn in FY2024.

Earnings attributable to equity holders fell 43.5% to Rs5.83bn from Rs10.31bn in the same period.

Total income slightly declined 3.5% to Rs87.81bn from Rs90.25bn, driven by a 14.8% drop in gross profit to Rs63.06bn from Rs74.00bn.

Non mark-up/interest income rose 47.9% to Rs24.03bn, supported by higher fee and commission income (+29.3%), dividend income (+23.2%), and gains on securities (+411.6%).

Operating expenses increased 24.8% to Rs64.07bn, partially offset by a 60.8% decline in credit loss allowances to Rs2.91bn, resulting in profit before taxation of Rs19.30bn, down 37.1% from Rs30.68bn.

Taxation decreased 32.1% to Rs11.76bn, leading to a net profit after tax of Rs7.54bn.

STATEMENT OF PROFIT OR LOSS FOR THE YEAR ENDED DECEMBER 31, 2025 (Rs.000)
Description	2025	2024	Change (%)
Mark-up / return / interest / profit earned (Net Sales)	145,847,787	221,490,780	-34.15%
Mark-up / return / interest / profit expensed	82,791,290	147,488,285	-43.87%
Net mark-up / interest / profit (Gross Profit)	63,056,497	74,002,495	-14.79%
NON MARK-UP / INTEREST INCOME
Fee and commission income	11,565,719	8,944,939	29.30%
Dividend income	556,713	451,838	23.21%
Foreign exchange income	3,293,477	4,629,745	-28.86%
Loss from shariah compliant forward FX contracts	(89,758)	-
Income / (loss) from derivatives	651	24,937	-97.39%
Gain on securities - net	7,651,221	1,495,476	411.62%
Share of profit / (loss) of associates	418,902	409,539	2.29%
Other income	635,380	288,837	119.98%
Total non mark-up / interest income	24,032,305	16,245,311	47.93%
Total Income	87,088,802	90,247,806	-3.50%
NON MARK-UP / INTEREST EXPENSES
Operating expenses	64,071,764	51,350,253	24.77%
Workers' welfare fund	440,851	669,542	-34.16%
Other charges	365,358	134,606	171.43%
Total non mark-up / interest expenses	64,877,973	52,154,401	24.40%
Profit before credit loss allowance	22,210,829	38,093,405	-41.69%
Credit loss allowance and write offs - net	2,909,863	7,414,240	-60.75%
Profit before taxation	19,300,966	30,679,165	-37.09%
Taxation	11,761,738	17,319,093	-32.09%
Profit after taxation	7,539,228	13,360,072	-43.57%
Equity holders of the Bank	5,826,980	10,309,369	-43.48%
Non-controlling interest	1,712,248	3,050,703	-43.87%
Earnings per share - basic and diluted (Rupees)	2.84	5.03	-43.54%

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