JS Bank Share Price — Audited FY2025 & Q1 2026 Results
What JS Bank actually reported for the year ended December 2025 and the quarter ended March 2026, and where to check its live PSX share price.
- PSX: JSBL
- FY2025 Unconsolidated EPS: PKR 1.36
- FY2025 Consolidated EPS: PKR 2.84
- Last Verified: 11 Sep 2026
For the year ended December 31, 2025, JS Bank Limited (PSX: JSBL) reported an unconsolidated profit after tax of PKR 2.796 billion (EPS PKR 1.36) on a standalone basis. On a consolidated basis — including subsidiaries BankIslami Pakistan, JS Global Capital, and JS Investments — group profit after tax was PKR 7.539 billion, of which PKR 5.827 billion was attributable to JS Bank's own shareholders (consolidated EPS PKR 2.84). No dividend was declared on ordinary shares for FY2025. JS Bank's live share price is tracked on the PSX's own JSBL company page.
These two views are easy to mix up because BankIslami Pakistan — JS Bank's 75.12%-owned Islamic banking subsidiary — is actually larger than JS Bank itself by total assets, so consolidated group profit runs well above what JS Bank earns standalone. This page keeps the two clearly separated, sourced directly to JS Bank's audited FY2025 Annual Report and Q1 2026 Quarterly Report.
JS Bank FY2025 Audited Results (Unconsolidated — Bank Standalone)
| Metric | FY2025 | FY2024 |
|---|---|---|
| Total Revenue (Net Markup + Non-Markup Income) | PKR 40.313 billion | PKR 38.644 billion |
| Profit Before Tax | PKR 6.191 billion | PKR 6.366 billion |
| Profit After Tax | PKR 2.796 billion | PKR 2.849 billion |
| Earnings Per Share | PKR 1.36 | PKR 1.39 |
| Total Assets (Dec 31) | PKR 655.636 billion | PKR 636.107 billion |
| Deposits | PKR 543.502 billion | PKR 525.134 billion |
| Advances — net | PKR 249.776 billion | PKR 225.531 billion |
| Shareholders' Equity | PKR 46.661 billion | PKR 43.707 billion |
| Capital Adequacy Ratio (CAR) | 13.12% | 13.24% |
Figures from JS Bank's official Annual Report 2025 (Directors' Report and audited Unconsolidated Financial Statements).
JS Bank FY2025 Audited Results (Consolidated — Group incl. BankIslami)
| Metric | FY2025 | FY2024 |
|---|---|---|
| Profit Before Tax | PKR 19.301 billion | PKR 30.679 billion |
| Profit After Tax | PKR 7.539 billion | PKR 13.360 billion |
| — attributable to non-controlling interest | PKR 1.712 billion | PKR 3.051 billion |
| — attributable to JS Bank shareholders | PKR 5.827 billion | PKR 10.309 billion |
| Earnings Per Share (Group) | PKR 2.84 | PKR 5.03 |
| Total Assets (Dec 31) | PKR 1,415.624 billion | PKR 1,359.043 billion |
| Deposits | PKR 1,199.432 billion | PKR 1,081.826 billion |
| Shareholders' Equity | PKR 81.124 billion | PKR 76.797 billion |
Figures from JS Bank's official Annual Report 2025 (Directors' Report on the Consolidated Financial Statements). "Non-controlling interest" is the minority shareholders' share of subsidiary profit — mainly BankIslami's other shareholders, since JS Bank owns 75.12% of BankIslami, not 100%.
Latest Quarter: Q1 2026 (Jan–Mar 2026, Un-audited)
| Metric | Unconsolidated | Consolidated |
|---|---|---|
| Profit Before Tax | PKR 2.175 billion | PKR 3.379 billion |
| Profit After Tax | PKR 1.045 billion | PKR 1.157 billion |
| Earnings Per Share | PKR 0.51 | PKR 0.44 |
| Total Assets | PKR 682.877 billion | PKR 1,440.146 billion |
| Deposits | PKR 544.898 billion | PKR 1,185.295 billion |
| Shareholders' Equity | PKR 46.001 billion | PKR 78.804 billion |
| Capital Adequacy Ratio | 12.53% | 14.64% |
| NPL Coverage Ratio | 77% | — |
| Liquidity Coverage Ratio | 224.87% | 219.93% |
| Net Stable Funding Ratio | 148.00% | 160.12% |
Figures from JS Bank's official Quarterly Report for the period ended March 31, 2026, transmitted to the Pakistan Stock Exchange on April 30, 2026. Both PBT and PAT declined year-on-year, which the Bank's Directors' Review attributes mainly to lower net interest income as the SBP policy rate fell, plus a sharp swing in the Group's unrealised mark-to-market position on government securities as bond yields moved up during the quarter. NPL Coverage Ratio is reported on an unconsolidated basis only; the Bank did not separately disclose a consolidated figure for this metric.
Credit Rating & Dividend
The Pakistan Credit Rating Agency (PACRA) maintains JS Bank's long-term entity rating at "AA" (Double A) and short-term rating at "A1+" (A One Plus), stable outlook — the highest possible rating in the short-term category. No dividend was declared on ordinary shares for the year ended December 31, 2025.
How to Verify the Latest Information
This page was last verified on 11 Sep 2026. Figures and details around audited results, PACRA ratings, and quarterly disclosures can change without notice, so before relying on anything here for a decision, cross-check it against JS Bank's official Financial Reports page — the authoritative, always-current source.
FAQs
What was JS Bank's profit for 2025?
On an unconsolidated (standalone) basis, JS Bank reported a profit after tax of PKR 2.796 billion for the year ended December 31, 2025, with EPS of PKR 1.36. On a consolidated basis, including subsidiaries like BankIslami, group profit after tax was PKR 7.539 billion, down from PKR 13.360 billion in FY2024, with consolidated EPS of PKR 2.84.
Where can I check JS Bank's live share price?
JS Bank's live share price is available on the Pakistan Stock Exchange's official company page for ticker JSBL at dps.psx.com.pk.
Good For
- Getting the correct unconsolidated vs. consolidated JS Bank profit figures — not mixed up
- Understanding why BankIslami's results move JS Bank's consolidated numbers so much
- Checking the latest quarterly trend against full-year audited results
- Knowing exactly where to verify the live PSX:JSBL quote
Want the live JS Bank share price?
Check the official, real-time PSX quote before making any investment decision.
For independent verification, see Pakistan Stock Exchange, JS Bank Official Site, SECP.