JS Bank Limited (PSX: JSBL)

JS Bank Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	88,869	78,623	25,445	31,793	28,201	22,668
Investment Securities	625,080	544,853	251,369	226,616	192,386	90,693
Trading Asset Securities	14,131	3,156	2,276	3,136	21,167	57,006
Total Investments	639,210	548,008	253,645	229,752	213,554	147,698
Gross Loans	516,995	485,901	240,130	261,249	256,896	249,646
Allowance for Loan Losses	-39,883	-33,918	-7,423	-6,683	-4,204	-3,510
Other Adjustments to Gross Loans	-	-1,027	-1,148	-	-	-2,568
Net Loans	477,112	450,956	231,559	254,566	252,692	243,568
Property, Plant & Equipment	31,815	28,090	11,235	11,504	9,027	10,694
Goodwill	4,408	4,408	1,464	1,464	1,464	1,464
Other Intangible Assets	5,875	4,093	2,380	1,688	828.02	731.32
Accrued Interest Receivable	48,549	46,090	12,358	7,279	6,979	8,795
Other Receivables	4,714	2,716	1,956	2,272	2,126	2,179
Restricted Cash	6,281	8,862	1,180	3,702	3,348	3,398
Other Current Assets	8,345	11,750	9,685	5,984	10,297	4,675
Long-Term Deferred Tax Assets	-	-	-	-	-	125.86
Other Real Estate Owned & Foreclosed	6,490	6,512	3,772	2,659	1,311	1,182
Other Long-Term Assets	8,550	39,894	65,851	36,667	6,249	26,639
Total Assets	1,330,219	1,230,001	620,530	589,329	536,077	473,817
Accounts Payable	3,755	2,900	2,002	2,171	2,353	1,426
Accrued Expenses	6,185	5,373	1,201	743.26	980.09	541.6
Interest Bearing Deposits	713,328	685,166	333,205	346,666	329,324	290,930
Non-Interest Bearing Deposits	356,050	322,653	129,553	112,684	102,100	77,613
Total Deposits	1,069,377	1,007,819	462,758	459,350	431,424	368,544
Short-Term Borrowings	18,284	47,752	64,644	37,074	10,384	32,912
Current Portion of Long-Term Debt	-	16,662	22,069	28,242	21,165	17,399
Current Portion of Leases	702.17	-	-	-	-	-
Current Income Taxes Payable	1,028	2,449	-	-	-	-
Accrued Interest Payable	17,249	15,099	5,090	3,418	3,185	4,240
Other Current Liabilities	16,790	20,056	13,545	12,117	10,522	8,235
Long-Term Debt	102,984	36,902	19,365	13,894	24,820	12,028
Long-Term Leases	7,622	6,687	2,795	3,416	2,891	4,260
Long-Term Unearned Revenue	1,274	1,510	368.8	261.38	176.27	137.01
Pension & Post-Retirement Benefits	696.59	606.93	-	-	-	151.88
Long-Term Deferred Tax Liabilities	2,725	890.19	212.33	1,277	1,084	-
Other Long-Term Liabilities	7,310	5,306	3,223	3,534	4,177	4,463
Total Liabilities	1,255,982	1,170,013	597,274	565,497	513,161	454,336
Common Stock	20,507	20,507	12,975	12,975	12,975	12,975
Additional Paid-In Capital	2,689	2,689	-	-	-	-
Retained Earnings	31,321	21,749	10,974	9,902	8,905	7,442
Comprehensive Income & Other	7,799	5,557	-1,056	567.54	507.18	-1,443
Total Common Equity	62,315	50,502	22,893	23,444	22,387	18,973
Minority Interest	11,922	9,487	363.27	388.33	528.45	508.27
Shareholders' Equity	74,237	59,988	23,256	23,832	22,916	19,481
Total Liabilities & Equity	1,330,219	1,230,001	620,530	589,329	536,077	473,817
Total Debt	129,593	108,003	108,874	82,624	59,260	66,599
Net Cash (Debt)	-26,594	-26,224	-69,802	-15,757	11,112	43,113
Net Cash Growth	-	-	-	-	-74.23%	-
Net Cash Per Share	-12.98	-16.62	-53.80	-12.14	8.56	33.23
Filing Date Shares Outstanding	2,051	2,051	1,297	1,297	1,297	1,297
Total Common Shares Outstanding	2,051	2,051	1,297	1,297	1,297	1,297
Book Value Per Share	30.39	24.63	17.64	18.07	17.25	14.62
Tangible Book Value	52,033	42,001	19,049	20,293	20,096	16,778
Tangible Book Value Per Share	25.37	20.48	14.68	15.64	15.49	12.93

Source: S&P Capital IQ. Banks template. Financial Sources.