Why Us

JS Bank is one of the fastest growing banks in Pakistan, with both a domestic and international presence. The bank is a leader in the Digital Financial Services, SME, and Consumer Lending space. We are recognized for our commitment to excellence by AsiaMoney, EuroMoney, JP Morgan, Asian Banking and Finance, DIGI, and Pakistan Banking Awards. We are part of JS Group, one of Pakistan’s most diversified and progressive financial services groups.

Our Brand Promise

For all those striving to improve their lives, those on the move, those who want to leave the world a better place than how they found it, JS Bank will make it a reality.

JS Bank (JSBL) is a banking company incorporated in Pakistan as a public limited company on March 15, 2006. Our origins began on December 30, 2006, with the acquisition of Citicorp Investment Bank Limited by Jahangir Siddiqui & Co. Limited on the 1st of February 1999, leading to the formation of the Jahangir Siddiqui Investment Bank Limited (JSIBL). In 2007, JSIBL and American Express Bank Limited – Pakistan operations were merged, resulting in the formation of JS Bank. We are a subsidiary company of Jahangir Siddiqui & Co. Ltd. (JSCL), and our shares are listed on Pakistan Stock Exchange Limited (PSX). JS Bank is the majority shareholder in JS Global Capital Limited, a brokerage firm, and JS Investments Limited, an Asset Management Company.

We don’t speak to a demographic

We speak to a state of mind. People who are sure of their destination. The progressive. The socially conscious. The resilient. The young. Those that are moving ahead but not alone! We make their ambitions big, bold & inclusive.

As an enabler for sustainable and inclusive economic growth, we aspire to be the financial partner for customers across Pakistan.The Bank has shown its responsibility toward climate change and has been accredited by the Green Climate Fund for funding up to USD 250 million per project.

We offer a comprehensive and structured portfolio of Retail, Consumer, Corporate, Investment, Private, and Digital Financial Services. We have launched, Zindigi, the only digital banking experience in Pakistan that allows Gen Z and millennials to open a full-fledged account digitally.

We actively champion digital products and services that meet the needs and demands of 21st-century customers, offering a multitude of digital-first products, including WhatsApp and Mobile First Banking.

Down to earth

Authentic, Relatable, Self-aware, Accessible. Not Flawless, Foreign, or Manufactured.

Registered office

JS Bank Limited, Shaheen Commercial Complex, Dr. Zia Uddin Ahmed Road, P.O. Box 4847, Karachi-74200 Sindh, Pakistan.

Status of Company

Scheduled Commercial Bank (Listed)

Company Registration Number and NTN

SECP Registration Number: 0054329
National Tax Number: 2663703-7

Credit Rating

The Pakistan Credit Rating Agency Limited (PACRA) has rated JS Bank Limited (JSBL) at 'AA- (Double A Minus), while the short-term entity rating is maintained at 'A1+' (A One Plus).