Skip to main content
logo
JS Bank Limited (PSX:JSBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
12.13
+0.11 (0.92%)
At close: Sep 17, 2026

JS Bank Cash Flow Statement

Millions PKR. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
5,9105,82710,3099,4611,0821,195
Depreciation & Amortization
8,3297,5216,0103,1362,1031,823
Other Amortization
912.72912.72626.05343.53172.39139.89
Gain (Loss) on Sale of Assets
-177.7-186.59-61.53-86.24-54.59-12.31
Gain (Loss) on Sale of Investments
765.75-238.16262.79-27.2-93.48-181.74
Total Asset Writedown
-14.91105.98-4.43-13319.56
Provision for Credit Losses
-2,4983,0256,9415,691973.992,476
Change in Trading Asset Securities
679.684,170-4,922-361.111,56522,832
Change in Other Net Operating Assets
-147,346-124,768-57,681-61,81360,3475,703
Other Operating Activities
-3,664-2,82612,624-1,146-60.44-643.63
Operating Cash Flow
-137,369-106,876-26,305-44,74266,18033,332
Operating Cash Flow Growth
----98.55%1.32%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-4,569-12,442-6,298-3,659-1,540-1,904
Sale of Property, Plant and Equipment
933.09962.02181.71729.19212.2282.5
Cash Acquisitions
---22,380--
Investment in Securities
29,65736,740-33,099-21,285-76,351-53,142
Income (Loss) Equity Investments
-265.39-418.9-409.5460.6412.98-19.01
Purchase / Sale of Intangibles
-1,384-1,299-3,022-1,567-864.28-778.2
Other Investing Activities
496.88631.85434.96703.87490.37285.44
Investing Cash Flow
25,13424,593-41,802-2,698-78,052-55,456

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
--1503,500--
Long-Term Debt Repaid
--4,401-4,025-4,281-1,390-1,745
Lease Payments
-5,535-4,399-4,024-2,281-1,389-1,249
Net Debt Issued (Repaid)
-2,039-4,401-3,875-781.25-1,390-1,745
Issuance of Common Stock
---2,206--
Net Increase (Decrease) in Deposit Accounts
139,227117,60574,007108,1003,40827,926
Other Financing Activities
-752.52-758.7-689.73-482.81--275.66
Financing Cash Flow
136,435112,44669,442109,0412,01725,906

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Foreign Exchange Rate Adjustments
-901.95-----
Net Cash Flow
23,29830,1641,33561,602-9,8553,782

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
-141,938-119,317-32,602-48,40164,64031,428
Free Cash Flow Growth
----105.68%0.23%
Free Cash Flow Margin
-166.30%-142.13%-39.41%-103.96%319.25%195.16%
Free Cash Flow Per Share
-69.22-58.19-15.90-30.6849.8224.22
Free Cash Flow After Leases
-147,473-123,717-36,626-50,68263,25230,179

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
72,80886,858148,93758,763--
Cash Income Tax Paid
16,27419,93222,6797,7101,4821,496