JS Bank Limited released financial statements for the nine-month period ending on September 30, 2026, showing a Profit Before Tax of PKR 8.932 billion, representing a 58 percent rise from PKR 5.665 billion during the same timeframe last year. Profit After Tax rose by 67 percent to PKR 4.300 billion compared to PKR 2.569 billion, and Earnings Per Share shifted upward to PKR 2.10 from PKR 1.25.
Total assets expanded by 12 percent reaching PKR 733.719 billion against PKR 655.636 billion recorded at the end of December 2025, while total deposits moved up 10 percent to PKR 598.123 billion from PKR 543.502 billion. Non-remunerative deposits increased their share to 43.35 percent compared to 40.87 percent in December 2025, pointing toward an emphasis on creating a stable and low-cost funding mix.
Fee income climbed by 4.34 percent to total PKR 3.828 billion through diversified revenue channels, while strict expenditure controls held the rise in non-markup expenses down to 3.3 percent at PKR 23.152 billion.
A net reversal of credit loss allowances totaling PKR 1.733 billion occurred over the nine-month span, shifting from a net charge of PKR 3.182 billion in the previous year and aiding earnings growth.
The institution also finalized its sixth Tier-2 Term Finance Certificate issuance worth PKR 4 billion. Backed by higher earnings and extra Tier-2 funds, the Capital Adequacy Ratio stood at 13.30 percent on September 30, 2026.
President and CEO Basir Shamsie stated regarding the financial outcome: “Our nine-month performance reflects the steady progress we are making in strengthening JS Bank's financial position and growing our core business. The continued growth in deposits, improvement in our low-cost deposit mix, and disciplined cost management are encouraging. We remain focused on sustainable growth, enhancing customer experience, and supporting the financing needs of key sectors of Pakistan's economy.”
