JS Bank Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	32,378	32,280	36,736	25,445	31,793	28,201
Investment Securities	701,696	629,466	545,331	251,369	226,616	192,386
Trading Asset Securities	195.62	207.91	3,156	2,276	3,136	21,167
Total Investments	701,892	629,674	548,487	253,645	229,752	213,554
Gross Loans	521,215	578,803	484,874	240,130	261,249	256,896
Allowance for Loan Losses	-43,402	-41,348	-33,918	-7,423	-6,683	-4,204
Other Adjustments to Gross Loans	-11,397	-12,028	-5,101	-1,148	-	-
Net Loans	466,417	525,426	445,854	231,559	254,566	252,692
Property, Plant & Equipment	43,495	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	8,480	7,852	5,652	2,380	1,688	828.02
Accrued Interest Receivable	33,876	32,170	46,090	12,358	7,279	6,979
Other Receivables	28,939	3,540	2,238	1,956	2,272	2,126
Restricted Cash	62,022	56,949	50,749	1,180	3,702	3,348
Other Current Assets	27,537	19,227	11,750	9,685	5,984	10,297
Long-Term Deferred Tax Assets	1,136	-	-	-	-	-
Other Real Estate Owned & Foreclosed	6,078	6,813	6,512	3,772	2,659	1,311
Other Long-Term Assets	2,575	5,452	39,894	65,851	36,667	6,249
Total Assets	1,419,233	1,359,043	1,226,459	620,530	589,329	536,077
Accounts Payable	7,060	4,513	2,900	2,002	2,171	2,353
Accrued Expenses	8,631	7,624	5,373	1,201	743.26	980.09
Interest Bearing Deposits	732,125	700,966	685,166	333,205	346,666	329,324
Non-Interest Bearing Deposits	427,149	380,860	322,653	129,553	112,684	102,100
Total Deposits	1,159,274	1,081,826	1,007,819	462,758	459,350	431,424
Short-Term Borrowings	24,381	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 Portion of Leases	916.06	-	-	-	-	-
Current Income Taxes Payable	68.62	-	2,449	-	-	-
Accrued Interest Payable	11,443	13,650	15,099	5,090	3,418	3,185
Other Current Liabilities	27,467	30,415	20,056	13,545	12,117	10,522
Long-Term Debt	82,531	38,410	35,101	19,365	13,894	24,820
Long-Term Leases	7,723	7,845	6,687	2,795	3,416	2,891
Long-Term Unearned Revenue	709.08	1,131	1,510	368.8	261.38	176.27
Pension & Post-Retirement Benefits	811.58	854.68	606.93	-	-	-
Long-Term Deferred Tax Liabilities	-	2,452	679.54	212.33	1,277	1,084
Other Long-Term Liabilities	8,618	5,367	5,306	3,223	3,534	4,177
Total Liabilities	1,339,636	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	37,503	32,393	21,655	10,974	9,902	8,905
Comprehensive Income & Other	6,466	8,792	5,557	-1,056	567.54	507.18
Total Common Equity	67,165	64,381	50,408	22,893	23,444	22,387
Minority Interest	12,432	12,416	9,361	363.27	388.33	528.45
Shareholders' Equity	79,598	76,797	59,769	23,256	23,832	22,916
Total Liabilities & Equity	1,419,233	1,359,043	1,226,459	620,530	589,329	536,077
Total Debt	115,551	134,413	104,890	108,874	82,624	59,260
Net Cash (Debt)	-82,977	-101,926	-64,999	-69,802	-15,757	11,112
Net Cash Growth	-	-	-	-	-	-74.23%
Net Cash Per Share	-40.46	-49.70	-41.19	-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	32.75	31.40	24.58	17.64	18.07	17.25
Tangible Book Value	54,278	52,121	40,348	19,049	20,293	20,096
Tangible Book Value Per Share	26.47	25.42	19.68	14.68	15.64	15.49

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