JS Bank Limited (PSX:JSBL)

JS Bank Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	4,312	5,827	10,309	9,461	1,082	1,195
Depreciation & Amortization	7,985	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	-173.48	-186.59	-61.53	-86.24	-54.59	-12.31
Gain (Loss) on Sale of Investments	172.9	-238.16	262.79	-27.2	-93.48	-181.74
Total Asset Writedown	-8.5	105.98	-4.43	-	133	19.56
Provision for Credit Losses	2,035	3,025	6,941	5,691	973.99	2,476
Change in Trading Asset Securities	91,742	4,170	-4,922	-361.11	1,565	22,832
Change in Other Net Operating Assets	-86,457	-124,768	-57,681	-61,813	60,347	5,703
Other Operating Activities	-3,639	-2,826	12,624	-1,146	-60.44	-643.63
Operating Cash Flow	16,697	-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	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-11,425	-12,442	-6,298	-3,659	-1,540	-1,904
Sale of Property, Plant and Equipment	860.22	962.02	181.71	729.19	212.22	82.5
Cash Acquisitions	-	-	-	22,380	-	-
Investment in Securities	-98,536	36,740	-33,099	-21,285	-76,351	-53,142
Income (Loss) Equity Investments	-203.6	-418.9	-409.54	60.64	12.98	-19.01
Purchase / Sale of Intangibles	-1,580	-1,299	-3,022	-1,567	-864.28	-778.2
Other Investing Activities	670.8	631.85	434.96	703.87	490.37	285.44
Investing Cash Flow	-110,010	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	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	-	150	3,500	-	-
Long-Term Debt Repaid	-	-4,401	-4,025	-4,281	-1,390	-1,745
Net Debt Issued (Repaid)	-4,623	-4,401	-3,875	-781.25	-1,390	-1,745
Issuance of Common Stock	-	-	-	2,206	-	-
Net Increase (Decrease) in Deposit Accounts	77,066	117,605	74,007	108,100	3,408	27,926
Other Financing Activities	-758.7	-758.7	-689.73	-482.81	-	-275.66
Financing Cash Flow	71,684	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	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Foreign Exchange Rate Adjustments	131.75	-	-	-	-	-
Net Cash Flow	-21,497	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	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	5,272	-119,317	-32,602	-48,401	64,640	31,428
Free Cash Flow Growth	-	-	-	-	105.68%	0.23%
Free Cash Flow Margin	6.46%	-142.13%	-39.41%	-103.96%	319.25%	195.16%
Free Cash Flow Per Share	2.57	-58.19	-15.90	-30.68	49.82	24.22

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	78,919	86,858	148,937	58,763	-	-
Cash Income Tax Paid	14,567	19,932	22,679	7,710	1,482	1,496

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 19, 2026

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