Js Bank Limited · PSX:JSBL
Js Bank — Investor Presentation (December 2025)
28 slides from Js Bank's investor presentation, December 2025
Slide 1: Corporate Briefing Session
CORPORATE BRIEFING SESSION YEAR ENDED DECEMBER 2025 JS Bank Head Office 1st Floor Shaheen Complex, Dr Ziauddin Ahmed Road, Karachi, Pakistan
Slide 2: Forward Looking Statements
FORWARD LOOKING STATEMENTS This document may contain forward looking statements regarding JS Bank Limited’s (the “Bank”) strategy, businesses and/or performance. These statements are based on plans, estimates and projections as they are currently available to the management of the Bank. Therefore, t
Slide 3: Ownership Structure
OWNERSHIP STRUCTURE OWNERSHIP STRUCTURE Jahangir Siddiqui & Co. Ltd. (“JSCL”), serves as the holding company for JS Bank and stands tall as a cornerstone of Pakistan's financial landscape. Holding Company JSCL boasts a diverse portfolio spanning Conventional and Islamic Commercial Banking, Asset Man
Slide 4: Group Overview
GROUP OVERVIEW Subsidary of JSBL (75.12%) Subsidary of JSBL (92.90%) Subsidary of JSBL (84.73%) JS Bank Limited (JSBL) is a banking BankIslami Limited is an Islamic bank JS Global Capital Limited is one of the JS Investments Limited has the license company incorporated in Pakistan as a incorporated
Slide 5: JS Bank's Journey Key Milestones
JS BANK’S JOURNEY KEY MILESTONES 1991 1999 2006 2022 2023 JAHANGIR SIDDIQUI & JS INVESTMENT BANK WAS CO. LTD. COMMENCED JS INVESTMENT BANK CHANGED TO JS BANK JS BANK LAUNCHED ITS JS BANK INCREASED ITS OPERATIONS AND CAME TO LIFE AFTER AFTER ACQUIRING THE DIGITAL BANKING STAKE TO 75.12% IN SUBSEQUENT
Slide 6: Sustainability Journey and Recognitions
SUSTAINABILITY JOURNEY AND RECOGNITIONS Elite Quality Recognition Award ESG Program of the Year JP Morgan (3 years in a row) Asian Banking & Finance Wholesale Banking Award Top 5 SME Banks in Pakistan Health & Wellness Bank of the Year State Bank of Pakistan Asian Banking & Finance Wholesale Banking
Slide 7: Wide Range of Touch Points for Our Customers
WIDE RANGE OF TOUCH POINTS FOR OUR CUSTOMERS WE SERVE MILLIONS OF INCREASING GROUP CUSTOMERS THROUGH OUR NETWORK OF BRANCHES ROBUST NETWORK OF ATMs PLUS 316 391 125,000+ Branches ATMS Active (+1 Branch in Bahrain) Merchants ALONG WITH THE MOBILE / INTERNET BANKING CHANNELS, 569 643 WHATSAPP BANKING,
Slide 8: Key Highlights – Zindigi
KEY HIGHLIGHTS – ZINDIGI 14.2M 6.2M Downloads Accounts 500k Debit Cards PKR 68.2M 50.9M PKR 380B Mutual Funds Investments* 7.9B Transactions* Customer Deposits Throughput* YOY Growth: Users Deposits Volume 7% 17% 57% PKR 4.4B Value of Stocks Traded* * Annual stats: from January1st, 2025 till Decembe
Slide 9: Focus on Product Innovation and Digitization
FOCUS ON PRODUCT INNOVATION AND DIGITIZATION SME Gold Agri Solar Finance Finance Finance JS Bank continues to play a key role in JS Bank support individuals to unlock their We remain committed to supporting the Financed over 950+ solar projects for providing easy access to financing for SMEs, saving
Slide 10: Focus on Product Innovation and Digitization
FOCUS ON PRODUCT INNOVATION AND DIGITIZATION PRIORITY Private Banking BANKING Priority Banking WhatsApp, Mobile, & Internet Banking JS Private Banking is a personal conviction-driven Priority Banking is a new JS business segment Digital banking saw a phenomenal start to the year, investment boutique
Slide 11: Financial and Strategic Highlights
FINANCIAL AND STRATEGIC HIGHLIGHTS Balance Sheet Strength: Consolidated Net Assets stood at PKR 1,416 bn, with Consolidated Deposits at PKR 1,199 bn, Consolidated Net Advances at PKR 542 bn and Consolidated Net Investments at PKR 581 bn. Branch Network Expansion: Consolidated branch network expanded
Slide 12: Historical Trends – Balance Sheet
HISTORICAL TRENDS – BALANCE SHEET PKR in mn Gross Advances - CAGR 4.8% Deposits - CAGR 5.4% (Non-rem CAGR 27.2%) Investments - CAGR -2.9% Deposits Non-remunerative 274,547 543,502 525,134 303,465 302,437 247,714 486,283 287,479 238,525 278,028 464,132 213,787 198,409 222,121 142,732 160,546 2022 202
Slide 13: Historical Trends – Regulatory Ratios
HISTORICAL TRENDS – REGULATORY RATIOS Capital Adequacy Ratio (CAR) Leverage Ratio (LR) Common Equity Tier 1 Ratio Regulatory Requirement 11.50% Industry Average 17.75% Regulatory Requirement 3.0% Industry Average 4.99% Regulatory Requirement 7.50% 13.26% 13.24% 13.12% 12.53% 9.73% 8.98% 8.95% 8.43%
Slide 14: Historical Trends – Financial Ratios
HISTORICAL TRENDS – FINANCIAL RATIOS Cost to Income Ratio NII to Operating Cost Ratio Profit Before Tax (PBT) PKR mln Industry Average 46.80% Industry Average 175.31% 8,515 97.3% 99.1% 87.8% 90.0% 6,366 6,191 83.1% 75.7% 71.3% 66.6% 2,131 2022 2023 2024 2025 2022 2023 2024 2025 2022 2023 2024 2025 I
Slide 15: Historical Trends – Book Value and Market Share Price
HISTORICAL TRENDS – BOOK VALUE AND MARKET SHARE PRICE JSBL price to book ratio has more than doubled during the last 4 years BVPS (PKR in Rs.) Market Price (PKR in Rs.) 2022 2023 2024 2025 22.75 21.31 19.66 Earning Per Share (Rs) 0.74 2.75 1.39 1.36 16.61 16.87 Market Value per share- period end (Rs
Slide 16: Key Revenue Drivers – Deposits
KEY REVENUE DRIVERS – DEPOSITS PKR in bn PERIOD END DEPOSITS AVERAGE DEPOSITS 38% 41% 35% CA MIX 33% 28% 32% 31% CA MIX 31% 544 524 525 515 486 464 453 117 426 154 145 176 189 171 189 204 190 173 197 181 137 138 133 118 198 222 143 ↑18bn 161 ↑37bn ↑24bn ↑26bn 144 ↑13bn 157 ↑26bn 183 118 2022 2023 20
Slide 17: Key Revenue Drivers – Advances and Investments
KEY REVENUE DRIVERS – ADVANCES AND INVESTMENTS PKR in bn AVERAGE INVESTMENTS AVERAGE ADVANCES CAGR 4.85% CAGR -3.72% 64 15 78 37 22 27 16 18 173 89 20 228 10 196 271 277 186 190 177 145 2022 2023 2024 2025 2022 2023 2024 2025 PIB Others T-Bills Perforiming Non-performing Others include equity securi
Slide 18: Key Revenue Drivers – Summary
KEY REVENUE DRIVERS – SUMMARY PKR in mn Particulars 2022 2023 2024 2025 Average policy rate 13.18% 20.70% 19.65% 11.39% Net interest income Yield on performing Advances 13.28% 19.10% 18.77% 13.14% Yield on Investments 12.42% 18.13% 19.97% 12.62% Cost of Deposits 8.79% 11.87% 11.90% 6.20% NIM 3.20% 5
Slide 19: Financial Highlights – Unconsolidated Statement of Financial Position
FINANCIAL HIGHLIGHTS – UNCONSOLIDATED STATEMENT OF PKR in mn FINANCIAL POSITION 2025 2024 Variance A B C=A-B ASSETS Cash and bank balances 45,894 46,675 (781) • Net Advances grew by PKR 24.245 bn YoY, with Gross Advances Lendings to financial institutions 19,839 2,000 17,839 ending at PKR 274.547 bn
Slide 20: Financial Highlights – Unconsolidated Statement of Profit and Loss Account
FINANCIAL HIGHLIGHTS – UNCONSOLIDATED STATEMENT OF PKR in mn PROFIT AND LOSS ACCOUNT Particulars 2025 2024 Variance %age • Net interest income remained maintained at the Mark-up / return / interest earned 71,452 108,540 (37,088) -34% Mark-up / return / interest expensed 44,303 81,190 (36,887) 45% le
Slide 21: Financial Highlights – Consolidated Statement of Financial Position
FINANCIAL HIGHLIGHTS – CONSOLIDATED STATEMENT OF PKR in mn FINANCIAL POSITION 2025 2024 Variance A B C=A-B ASSETS Cash and bank balances 119,368 89,228 30,140 • Period end Gross Advances ended at a level of Lendings to financial institutions 38,839 4,258 34,581 Investments 581,459 629,466 (48,008) P
Slide 22: Financial Highlights – Consolidated Statement of Profit and Loss Account
FINANCIAL HIGHLIGHTS – CONSOLIDATED STATEMENT OF PKR in mn PROFIT AND LOSS ACCOUNT Particulars 2025 2024 Variance %age • Overall consolidated NII, ended lower by 15% Net Interest Income 63,056 74,002 (10,946) -15% mainly on account of reduction in NII from BIPL, Non-Interest Income 24,032 16,245 7,7
Slide 23: Business Segments
BUSINESS SEGMENTS PKR in bn Investment, International and Institutional Retail Banking Corporate / Commercial Banking Treasury Zindigi Banking Variance Variance Variance Variance Variance 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 Amount % Amount % Amount % Amount % Amount % Net Interest Inco
Slide 24: Key Business Risks
KEY BUSINESS RISKS Risk Description Key Mitigants Macroeconomic Banking sector performance is closely linked to inflation, • Balance sheet rebalancing and de-risking & Sovereign currency depreciation, and sovereign fiscal stability due • Capital buffers, including Sub-Debt instruments Risk to high e
Slide 25: Key Business Risks
KEY BUSINESS RISKS Risk Description Key Mitigants Operational & Growing digital footprint increases exposure to cyber • Cybersecurity investments Cyber Risk threats, fraud, and system failures. • Internal controls & audits • BCP & disaster recovery plans Concentration High exposure to government sec
Slide 26: How can you reach us?
How can you reach us? +92 (21) 111-654-321 BANKS JS Bank Limited Shaheen Commercial BANKS Complex, Dr Ziauddin +92 (51) BANKS 111-654-321 SHA Head Office Ahmed Rd, Civil Lines, Karachi, Sindh info@jsbl.com Digital & Social Media Presence: www.jsbl.com JSBankLtd @jsblpak @jsblpak jsbankltd @jsbank614
Slide 27: Questions and Answers
| ZJS BANK QUESTIONS AND ANSWERS
Slide 28: Thank You
| ZJS BANK THANK YOU