JS Bank Limited (PSX:JSBL)

JS Bank Balance Sheet

Financials in millions PKR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	42,002	40,300	43,526	25,445	31,793	28,201
Investment Securities	740,844	629,466	545,331	251,369	226,616	192,386
Trading Asset Securities	709.33	207.91	3,156	2,276	3,136	21,167
Total Investments	741,554	629,674	548,487	253,645	229,752	213,554
Gross Loans	513,001	578,803	484,874	240,130	261,249	256,896
Allowance for Loan Losses	-43,614	-41,348	-33,918	-7,423	-6,683	-4,204
Other Adjustments to Gross Loans	-11,587	-12,028	-5,101	-1,148	-	-
Net Loans	457,800	525,426	445,854	231,559	254,566	252,692
Property, Plant & Equipment	42,811	35,254	28,090	11,235	11,504	9,027
Goodwill	4,408	4,408	4,408	1,464	1,464	1,464
Other Intangible Assets	8,094	7,852	5,652	2,380	1,688	828.02
Accrued Interest Receivable	25,998	32,170	46,090	12,358	7,279	6,979
Other Receivables	6,625	3,540	2,238	1,956	2,272	2,126
Restricted Cash	52,171	48,928	43,959	1,180	3,702	3,348
Other Current Assets	25,193	19,227	11,750	9,685	5,984	10,297
Long-Term Deferred Tax Assets	1,443	-	-	-	-	-
Other Real Estate Owned & Foreclosed	6,088	6,813	6,512	3,772	2,659	1,311
Other Long-Term Assets	2,418	5,452	39,894	65,851	36,667	6,249
Total Assets	1,416,606	1,359,043	1,226,459	620,530	589,329	536,077
Accounts Payable	4,675	4,513	2,900	2,002	2,171	2,353
Accrued Expenses	7,957	7,624	5,373	1,201	743.26	980.09
Interest Bearing Deposits	704,904	700,966	685,166	333,205	346,666	329,324
Non-Interest Bearing Deposits	490,136	380,860	322,653	129,553	112,684	102,100
Total Deposits	1,195,041	1,081,826	1,007,819	462,758	459,350	431,424
Short-Term Borrowings	14,674	46,301	47,752	64,644	37,074	10,384
Current Portion of Long-Term Debt	-	41,857	15,351	22,069	28,242	21,165
Current Income Taxes Payable	534.26	-	2,449	-	-	-
Accrued Interest Payable	8,904	13,650	15,099	5,090	3,418	3,185
Other Current Liabilities	30,353	30,415	20,056	13,545	12,117	10,522
Long-Term Debt	58,541	38,410	35,101	19,365	13,894	24,820
Long-Term Leases	8,540	7,845	6,687	2,795	3,416	2,891
Long-Term Unearned Revenue	738.17	1,131	1,510	368.8	261.38	176.27
Pension & Post-Retirement Benefits	868.27	854.68	606.93	-	-	-
Long-Term Deferred Tax Liabilities	-	2,452	679.54	212.33	1,277	1,084
Other Long-Term Liabilities	6,633	5,367	5,306	3,223	3,534	4,177
Total Liabilities	1,337,459	1,282,247	1,166,690	597,274	565,497	513,161
Common Stock	20,507	20,507	20,507	12,975	12,975	12,975
Additional Paid-In Capital	2,689	2,689	2,689	-	-	-
Retained Earnings	29,653	32,393	21,655	10,974	9,902	8,905
Comprehensive Income & Other	13,691	8,792	5,557	-1,056	567.54	507.18
Total Common Equity	66,540	64,381	50,408	22,893	23,444	22,387
Minority Interest	12,607	12,416	9,361	363.27	388.33	528.45
Shareholders' Equity	79,147	76,797	59,769	23,256	23,832	22,916
Total Liabilities & Equity	1,416,606	1,359,043	1,226,459	620,530	589,329	536,077
Total Debt	81,756	134,413	104,890	108,874	82,624	59,260
Net Cash (Debt)	-39,044	-93,905	-58,209	-69,802	-15,757	11,112
Net Cash Growth	-	-	-	-	-	-74.23%
Net Cash Per Share	-19.04	-45.79	-36.89	-53.80	-12.14	8.56
Filing Date Shares Outstanding	2,051	2,051	2,051	1,297	1,297	1,297
Total Common Shares Outstanding	2,051	2,051	2,051	1,297	1,297	1,297
Book Value Per Share	32.45	31.40	24.58	17.64	18.07	17.25
Tangible Book Value	54,037	52,121	40,348	19,049	20,293	20,096
Tangible Book Value Per Share	26.35	25.42	19.68	14.68	15.64	15.49

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.