JS Bank Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	73,997	37,193	32,280	36,736	25,445	31,793
Investment Securities	704,477	594,903	622,876	545,331	251,369	226,616
Trading Asset Securities	-	2,657	6,798	3,156	2,276	3,136
Total Investments	704,477	597,560	629,674	548,487	253,645	229,752
Gross Loans	556,507	620,556	578,803	484,874	240,130	261,249
Allowance for Loan Losses	-	-43,944	-41,244	-33,918	-7,423	-6,683
Other Adjustments to Gross Loans	-	-11,377	-12,028	-5,101	-1,148	-
Net Loans	556,507	565,236	525,530	445,854	231,559	254,566
Property, Plant & Equipment	47,563	48,211	35,254	28,090	11,235	11,504
Goodwill	-	4,408	4,408	4,408	1,464	1,464
Other Intangible Assets	12,535	8,058	7,852	5,652	2,380	1,688
Accrued Interest Receivable	-	23,583	30,585	46,090	12,358	7,279
Other Receivables	5,759	6,358	4,034	2,238	1,956	2,272
Restricted Cash	-	82,176	56,949	50,749	1,180	3,702
Other Current Assets	-	28,233	19,238	11,750	9,685	5,984
Long-Term Deferred Tax Assets	5,046	3,357	-	-	-	-
Other Real Estate Owned & Foreclosed	-	6,503	7,118	6,512	3,772	2,659
Other Long-Term Assets	85,711	4,748	6,122	39,894	65,851	36,667
Total Assets	1,491,596	1,415,624	1,359,043	1,226,459	620,530	589,329

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Accounts Payable	-	5,709	4,513	2,900	2,002	2,171
Accrued Expenses	-	9,548	7,624	5,373	1,201	743.26
Interest Bearing Deposits	1,225,132	722,826	700,966	685,166	333,205	346,666
Non-Interest Bearing Deposits	-	476,606	380,860	322,653	129,553	112,684
Total Deposits	1,225,132	1,199,432	1,081,826	1,007,819	462,758	459,350
Short-Term Borrowings	-	8,215	46,301	47,752	64,644	37,074
Current Portion of Long-Term Debt	-	12,172	41,859	15,351	22,069	28,242
Current Portion of Leases	-	995.38	525.63	235.89	-	-
Current Income Taxes Payable	-	71.63	-	2,449	-	-
Accrued Interest Payable	-	7,571	13,650	15,099	5,090	3,418
Other Current Liabilities	13,990	32,642	30,319	20,056	13,545	12,117
Long-Term Debt	99,496	32,333	38,408	35,101	19,365	13,894
Long-Term Leases	10,429	9,060	7,320	6,451	2,795	3,416
Long-Term Unearned Revenue	-	5,696	1,131	1,510	368.8	261.38
Pension & Post-Retirement Benefits	-	624.92	854.68	606.93	-	-
Long-Term Deferred Tax Liabilities	-	-	696.55	790.15	212.33	1,277
Other Long-Term Liabilities	59,013	10,431	5,462	5,306	3,223	3,534
Total Liabilities	1,408,059	1,334,500	1,282,247	1,166,690	597,274	565,497

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Common Stock	20,507	20,507	20,507	20,507	12,975	12,975
Additional Paid-In Capital	-	2,689	2,689	2,689	-	-
Retained Earnings	35,018	39,019	32,393	21,655	10,974	9,902
Comprehensive Income & Other	15,470	6,196	8,792	5,557	-1,056	567.54
Total Common Equity	70,994	68,411	64,381	50,408	22,893	23,444
Minority Interest	12,543	12,713	12,416	9,361	363.27	388.33
Shareholders' Equity	83,537	81,124	76,797	59,769	23,256	23,832
Total Liabilities & Equity	1,491,596	1,415,624	1,359,043	1,226,459	620,530	589,329

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Total Debt	109,924	62,775	134,413	104,890	108,874	82,624
Net Cash (Debt)	-35,927	-6,980	-95,336	-64,999	-69,802	-15,757
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-17.54	-3.40	-46.49	-41.19	-53.80	-12.14
Filing Date Shares Outstanding	2,068	2,051	2,051	2,051	1,297	1,297
Total Common Shares Outstanding	2,068	2,051	2,051	2,051	1,297	1,297
Book Value Per Share	34.33	33.36	31.40	24.58	17.64	18.07
Tangible Book Value	58,459	55,945	52,121	40,348	19,049	20,293
Tangible Book Value Per Share	28.27	27.28	25.42	19.68	14.68	15.64