KSE 100 -2,206.3

115,019.8 (-1.9%)

KMI 30 -3,509.1

173,480.5 (-2.0%)

JSBL

Commercial Banks

JS Bank Limited

Current Price

8.37

Change

-0.08

% Change

-0.95%

Day High

8.79

/

Day Low

8.20

Volume

2.84mn

Standardized
As Reported

Income Statement

In Million

	1Q2023	2Q2023	3Q2023	1Q2024	2Q2024	3Q2024	Trend
Net mark–up / Interest income	5,086.18	5,419.54	9,115.46	17,111.64	18,000.82	18,466.89
Net Provisions / interest expenses	-762.70	-238.21	-1,829.63	-1,018.32	-192.83	-3,028.54
Net mark-up / interest income after provisions	4,323.49	5,181.33	7,285.84	16,093.33	17,807.99	15,438.36
Non mark-up / Interest Income	2,480.30	2,121.48	7,037.13	4,898.10	3,992.66	3,871.03
Total Income	6,803.79	7,302.82	14,322.97	20,991.43	21,800.66	19,309.39
Non mark-up / Interest expenses	-5,230.65	-5,542.90	-7,656.97	-11,653.02	-12,342.52	-13,387.11
Share of profit from associates	0.00	0.00	0.00	0.00	0.00	0.00
Extra–ordinary / unusual items	0.00	0.00	0.00	0.00	0.00	0.00
Profit before taxation	1,573.14	1,759.93	6,666.01	9,338.41	9,458.15	5,922.29
Taxation	-689.87	-1,051.72	-1,309.63	-5,134.81	-3,945.49	-2,932.46
Profit after taxation	883.27	708.21	5,356.39	4,203.60	5,512.67	2,989.83

Balance Sheet

In Million

	1Q2023	2Q2023	3Q2023	1Q2024	2Q2024	3Q2024	Trend
Paid Up Capital	10,119.24	10,119.24	20,506.62	20,506.62	20,506.62	20,506.62
Total Equity	23,062.98	23,759.55	51,541.15	58,604.74	63,675.58	67,090.04
Total Equity with Revaluation Reserves	23,313.14	24,502.93	52,606.55	61,607.56	67,090.69	74,237.25
Total Deposits	435,718.71	468,924.58	944,735.76	1,009,575.42	1,106,610.36	1,069,377.11
Net Advances	224,029.85	201,692.68	406,535.38	451,619.35	390,575.18	435,886.38
Net Investment	238,237.69	253,599.19	559,533.66	633,449.66	704,391.02	638,688.24
Total Assets	547,573.04	584,342.53	1,161,767.63	1,305,034.05	1,328,032.89	1,330,219.17
Total Liabilities	524,259.90	559,839.59	1,109,161.08	1,243,426.49	1,260,942.20	1,255,981.92
Net Assets	23,313.14	24,502.93	52,606.55	61,607.56	67,090.69	74,237.25

Cash Flow

In Million

	1Q2023	2Q2023	3Q2023	1Q2024	2Q2024	3Q2024	Trend
Cash from Operation	-54,767.67	-36,777.40	36,765.33	34,261.87	110,718.79	55,654.26
Cash from Investing Activities	65,661.02	47,751.22	14,632.67	-39,106.67	-91,809.74	-44,318.95
Cash from Financing	-371.63	2,393.79	2,494.13	-930.50	-1,933.51	-3,486.93
Increase/ decrease in cash and cash equivalents	10,521.73	13,367.61	53,892.14	-5,775.29	16,975.56	7,848.39
Beginning Cash Balance	25,333.30	25,333.30	25,333.30	86,935.13	86,935.13	86,935.13
Ending Cash Balance	35,855.04	38,700.92	79,225.44	81,159.84	103,910.69	94,783.52

Income Statement

In Million

	Q3 - 2022	Q4 - 2022	Q1 - 2023	Q2 - 2023	Q3 - 2023	Q4 - 2023	Q1 - 2024	Q2 - 2024	Q3 - 2024	Q4 - 2024	Trend
Net Sales	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cost of Good Sold	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit / Loss	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Operating Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Profit / Loss	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Financial Charges	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Taxation	829.24	314.05	1,573.14	1,759.93	6,666.01	8,331.88	9,338.41	9,458.15	5,922.29	5,960.30
Taxation	-450.20	-186.26	-689.87	-1,051.72	-1,309.63	-4,894.50	-5,134.81	-3,945.49	-2,932.46	-5,306.35
Profit / Loss After Taxation	379.05	127.79	883.27	708.21	5,356.39	3,437.38	4,203.60	5,512.67	2,989.83	653.96
Basic Earning Per Share	0.30	0.10	0.68	0.54	3.62	1.14	1.66	2.21	1.07	0.09
Diluted Earning Per Share	0.30	0.10	0.68	0.54	3.62	1.14	1.66	2.21	1.07	0.09

Balance Sheet

In Million

	Q3 - 2022	Q4 - 2022	Q1 - 2023	Q2 - 2023	Q3 - 2023	Q4 - 2023	Q1 - 2024	Q2 - 2024	Q3 - 2024	Q4 - 2024	Trend
Share Capital	10,119.24	10,119.24	10,119.24	10,119.24	20,506.62	20,506.62	20,506.62	20,506.62	20,506.62	20,506.62
Shareholder Equity	23,837.01	23,256.38	23,313.14	24,502.93	52,606.55	59,988.12	61,607.56	67,090.69	74,237.25	76,796.55
Non Current Liabilities	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Current Liabilities	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Liabilities	569,788.81	597,273.57	524,259.90	559,839.59	1,109,161.08	1,170,012.96	1,243,426.49	1,260,942.20	1,255,981.92	1,282,246.57
Total Capital & Liabilities	593,625.82	620,529.95	547,573.04	584,342.53	1,161,767.63	1,230,001.08	1,305,034.05	1,328,032.89	1,330,219.17	1,359,043.12
Non Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Assets	593,625.82	620,529.95	547,573.04	584,342.53	1,161,767.63	1,230,001.08	1,305,034.05	1,328,032.89	1,330,219.17	1,359,043.12

Cash Flow

In Million

	Q3 - 2022	Q4 - 2022	Q1 - 2023	Q2 - 2023	Q3 - 2023	Q4 - 2023	Q1 - 2024	Q2 - 2024	Q3 - 2024	Q4 - 2024	Trend
Cash Flow From Operating Activities	52,303.64	69,588.02	-54,767.67	-36,777.40	36,765.33	63,357.72	34,261.87	110,718.79	55,654.26	47,702.17
Cash Flow From Investing Activities	-55,016.24	-78,052.45	65,661.02	47,751.22	14,632.67	-2,697.53	-39,106.67	-91,809.74	-44,318.95	-41,802.40
Cash Flow From Financing Activities	-871.29	-1,390.41	-371.63	2,393.79	2,494.13	941.62	-930.50	-1,933.51	-3,486.93	-4,565.22
Net Increase/(Decrease) in Cash and Cash Equivalents	-3,583.88	-9,854.84	10,521.73	13,367.61	53,892.14	61,601.82	-5,775.29	16,975.56	7,848.39	1,334.56
Cash and Cash Equivalents at the Beginning of the Year	35,188.12	35,188.14	25,333.30	25,333.30	25,333.30	25,333.30	86,935.13	86,935.13	86,935.13	86,935.13
Cash and Cash Equivalents at the End of the Year	31,604.25	25,333.30	35,855.04	38,700.92	79,225.44	86,935.13	81,159.84	103,910.69	94,783.52	88,269.69