JS Bank Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	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	-158.08	-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	2,243	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	-3,612	-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%
Capital Expenditures	-11,425	-12,442	-6,298	-3,659	-1,540	-1,904
Sale of Property, Plant and Equipment	969.72	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	561.3	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
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
Foreign Exchange Rate Adjustments	131.75	-	-	-	-	-
Net Cash Flow	-21,497	30,164	1,335	61,602	-9,855	3,782
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
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

Source: S&P Global Market Intelligence. Banks template. Financial Sources.