JS Bank (KAR:JSBL) Net Loan: ₨511,765 Mil (As of Mar. 2026)


KAR:JSBL JS Bank Ltd KAR:JSBL
43 GF Score
Price ₨15.05
GF Value ₨12.33
Valuation Modestly Overvalued
! 2 Warning Signs
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What is JS Bank Net Loan?

JS Bank KAR:JSBL +3.79% 43 Net Loan is ₨511,765 Mil as of Mar. 2026. GuruFocus rates KAR:JSBL with a GF Score™ of 43/100 and a GF Value™ of ₨12.33 (Modestly Overvalued). The stock has 2 warning signs investors should review.

JS Bank's quarterly net loan increased from Sep. 2025 (₨454,696 Mil) to Dec. 2025 (₨546,204 Mil) but then declined from Dec. 2025 (₨546,204 Mil) to Mar. 2026 (₨511,765 Mil).

JS Bank's annual net loan increased from Dec. 2023 (₨434,145 Mil) to Dec. 2024 (₨546,204 Mil) and increased from Dec. 2024 (₨546,204 Mil) to Dec. 2025 (₨511,765 Mil).

JS Bank Net Loan Historical Data

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The historical data trend for JS Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

JS Bank Net Loan Chart

JS Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 239,421.56 221,537.06 434,144.61 514,899.66 546,203.57

JS Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 464,783.02 444,395.48 454,696.46 546,203.57 511,765.14
KAR:JSBL
43GF Score
JS Bank Ltd KAR:JSBL
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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JS Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₨511,765 Mil mean?
JS Bank (KAR:JSBL) has a Net Loan of ₨511,765 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on JS Bank and its competitors.
Is JS Bank's Net Loan too high?
JS Bank's current Net Loan is ₨511,765 Mil. Overall, JS Bank has a GF Score™ of 43/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does JS Bank's Net Loan compare to PNC and USB?
JS Bank's Net Loan of ₨511,765 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on JS Bank and its competitors. JS Bank's current Net Loan is ₨511,765 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JS Bank stock overvalued right now?
Based on GuruFocus' analysis, JS Bank (KAR:JSBL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨12.33, compared to a current price of ₨15.05 — trading 22.1% above its estimated fair value. The current Net Loan is ₨511,765 Mil. JS Bank's overall GF Score™ is 43/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For JS Bank (KAR:JSBL), the current Net Loan is ₨511,765 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is JS Bank (KAR:JSBL) Overvalued in 2026?

Based on GuruFocus' analysis, JS Bank stock appears to be overvalued. The current stock price of ₨15.05 is trading 22.1% above its estimated GF Value™ of ₨12.33. GuruFocus considers JS Bank to be Modestly Overvalued.

Key valuation signals for KAR:JSBL:

  • Net Loan: ₨511,765 Mil
  • GF Value™: ₨12.33 vs. price of ₨15.05 (22.1% above fair value)
  • GF Score™: 43/100 with 2 warning signs

No single metric tells the full story. See the KAR:JSBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

JS Bank Business Description

Address Dr. Ziauddin Ahmed Road, Shaheen Commercial Complex, P.O. Box 4847, Karachi, PAK, 74200
JS Bank Ltd is involved in providing financial services. The company operates in various business segments: Retail Banking; Corporate /Commercial Banking; Treasury; Investment, International, and Institutional; Banking; Zindigi; and Others. It derives maximum revenue from Retail Banking segment. Retail banking includes branch banking, small and medium enterprises, direct sales, private banking, product management, branch distribution network and tele sales. Geographically, the company operates in Bahrain and Pakistan. Its products include: Cash Settled Futures (CSF), Government Debt Securities-Primary Market Auction; Equity; Fixed Income-Secondary Market Trading; RDA - Roshan Equity Investment (REI); Derivatives; Exchange Traded Funds; Margin Trading System (MTS); and Sahulat Account.
43GF Score

Get the complete analysis for KAR:JSBL

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨15.05
Price
₨12.33
GF Value