JS Bank Limited (PSX:JSBL)
Pakistan · Delayed Price · Currency is PKR 11.88
-0.15 (-1.25%)
At close: Oct 29, 2026
JS Bank Cash Flow Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | 6,067 | 5,827 | 10,309 | 9,461 | 1,082 | 1,195 |
Depreciation & Amortization | 8,709 | 7,521 | 6,010 | 3,136 | 2,103 | 1,823 |
Other Amortization | 912.72 | 912.72 | 626.05 | 343.53 | 172.39 | 139.89 |
Gain (Loss) on Sale of Assets | -180.11 | -186.59 | -61.53 | -86.24 | -54.59 | -12.31 |
Gain (Loss) on Sale of Investments | -285.41 | -238.16 | 262.79 | -27.2 | -93.48 | -181.74 |
Total Asset Writedown | 105.98 | 105.98 | -4.43 | - | 133 | 19.56 |
Provision for Credit Losses | -2,177 | 3,025 | 6,941 | 5,691 | 973.99 | 2,476 |
Change in Trading Asset Securities | -25,099 | 4,170 | -4,922 | -361.11 | 1,565 | 22,832 |
Change in Other Net Operating Assets | -79,404 | -124,768 | -57,681 | -61,813 | 60,347 | 5,703 |
Other Operating Activities | -3,271 | -2,826 | 12,624 | -1,146 | -60.44 | -643.63 |
Operating Cash Flow | -94,617 | -106,876 | -26,305 | -44,742 | 66,180 | 33,332 |
Operating Cash Flow Growth | - | - | - | - | 98.55% | 1.32% |
Investing Activities
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 |
Capital Expenditures | -4,278 | -12,442 | -6,298 | -3,659 | -1,540 | -1,904 |
Sale of Property, Plant and Equipment | 1,295 | 962.02 | 181.71 | 729.19 | 212.22 | 82.5 |
Cash Acquisitions | - | - | - | 22,380 | - | - |
Investment in Securities | 18,327 | 36,740 | -33,099 | -21,285 | -76,351 | -53,142 |
Income (Loss) Equity Investments | 4.8 | -418.9 | -409.54 | 60.64 | 12.98 | -19.01 |
Purchase / Sale of Intangibles | -1,024 | -1,299 | -3,022 | -1,567 | -864.28 | -778.2 |
Other Investing Activities | 537.41 | 631.85 | 434.96 | 703.87 | 490.37 | 285.44 |
Investing Cash Flow | 14,857 | 24,593 | -41,802 | -2,698 | -78,052 | -55,456 |
Financing Activities
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 |
Long-Term Debt Issued | - | - | 150 | 3,500 | - | - |
Long-Term Debt Repaid | - | -4,401 | -4,025 | -4,281 | -1,390 | -1,745 |
Lease Payments | -6,117 | -4,399 | -4,024 | -2,281 | -1,389 | -1,249 |
Net Debt Issued (Repaid) | -2,175 | -4,401 | -3,875 | -781.25 | -1,390 | -1,745 |
Issuance of Common Stock | - | - | - | 2,206 | - | - |
Net Increase (Decrease) in Deposit Accounts | 65,858 | 117,605 | 74,007 | 108,100 | 3,408 | 27,926 |
Other Financing Activities | -680 | -758.7 | -689.73 | -482.81 | - | -275.66 |
Financing Cash Flow | 63,003 | 112,446 | 69,442 | 109,041 | 2,017 | 25,906 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | -1,002 | - | - | - | - | - |
Net Cash Flow | -17,760 | 30,164 | 1,335 | 61,602 | -9,855 | 3,782 |
Free Cash Flow
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 |
Free Cash Flow | -98,895 | -119,317 | -32,602 | -48,401 | 64,640 | 31,428 |
Free Cash Flow Growth | - | - | - | - | 105.68% | 0.23% |
Free Cash Flow Margin | -113.11% | -142.13% | -39.41% | -103.96% | 319.25% | 195.16% |
Free Cash Flow Per Share | -48.28 | -58.19 | -15.90 | -30.68 | 49.82 | 24.22 |
Free Cash Flow After Leases | -105,012 | -123,717 | -36,626 | -50,682 | 63,252 | 30,179 |
Additional Metrics
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 Interest Paid | 86,858 | 86,858 | 148,937 | 58,763 | - | - |
Cash Income Tax Paid | 19,932 | 19,932 | 22,679 | 7,710 | 1,482 | 1,496 |