Last close · 16 Oct 2026
Rs 12.13 -1.78%
Annual · FY2007 – FY2025
JS Bank Limited (JSBL) cash flow statement
Operating activities generated Rs 85.5 bn of cash in FY2025 (Jan – Dec 2025), up 352.8% on FY2024. Capital expenditure was Rs 13.7 bn. Overall, cash increased by Rs 30.2 bn.
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 Jan – Dec 2009 | FY2008 Jan – Dec 2008 | FY2007 Jan – Dec 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 85.5 | 18.9 | 144.6 | 43.3 | 37.9 | 101.6 | 14.2 | (69.2) | 42.5 | 28.3 | 31.1 | 8.7 | (32.4) | 24.1 | 5.9 | 1.3 | 1.8 | 0.4 | (0.0) |
| Capital expenditure | (13.7) | (9.3) | (5.2) | (2.4) | (2.7) | (1.9) | (1.6) | (1.7) | (1.4) | (1.9) | (1.4) | (0.7) | (0.8) | (0.4) | (0.4) | (0.1) | (0.8) | (0.7) | (0.3) |
| Net cash from investing activities | 24.0 | (42.3) | (3.2) | (78.3) | (55.7) | (88.7) | 23.0 | 49.6 | (96.4) | 21.3 | (32.4) | (39.3) | 23.3 | (27.1) | (3.2) | (3.0) | (4.9) | (0.3) | (3.9) |
| Dividends paid | — | — | — | — | — | 0.0 | (0.0) | (0.2) | (0.2) | (0.2) | (0.2) | — | — | — | — | — | — | — | — |
| Net cash from financing activities | (79.3) | 24.7 | (79.8) | 25.1 | 21.6 | (6.9) | (44.4) | 34.0 | 55.9 | (45.0) | 3.5 | 31.8 | 11.2 | 5.1 | (2.3) | 1.1 | 4.9 | 0.7 | 1.8 |
| Net change in cash | 30.2 | 1.3 | 61.6 | (9.9) | 3.8 | 6.0 | (7.2) | 14.4 | 1.9 | 4.5 | 2.3 | 1.2 | 2.1 | 2.1 | 0.4 | (0.6) | 1.9 | 0.7 | (2.2) |
| Rs mn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 Jan – Dec 2009 | FY2008 Jan – Dec 2008 | FY2007 Jan – Dec 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | +352.8% | -86.9% | +233.7% | +14.4% | -62.7% | +613.2% | — | -262.8% | +50.4% | -9.2% | +259.3% | — | -234.1% | +309.1% | +357.4% | -28.5% | +336.2% | — | — |
| Capital expenditure | +47.4% | +78.3% | +117.4% | -10.4% | +43.2% | +18.5% | -4.5% | +21.2% | -28.9% | +42.1% | +96.4% | -10.7% | +81.4% | +8.5% | +242.3% | -85.2% | +15.5% | +97.9% | — |
| Net cash from investing activities | — | — | — | — | — | -484.9% | -53.5% | — | -553.3% | — | — | -268.9% | — | — | — | — | — | — | — |
| Dividends paid | — | — | — | — | — | -100.0% | -86.6% | 0.0% | 0.0% | +15.5% | — | — | — | — | — | — | — | — | — |
| Net cash from financing activities | -421.0% | — | -418.1% | +16.4% | — | — | -230.7% | -39.1% | — | -1,373.6% | -88.9% | +182.9% | +120.2% | — | -313.6% | -77.7% | +655.5% | -63.2% | — |
| Net change in cash | +2,160.2% | -97.8% | — | -360.6% | -36.7% | — | -149.7% | +639.3% | -56.7% | +98.9% | +95.2% | -45.8% | +0.5% | +506.8% | — | -132.7% | +155.2% | — | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 67
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 19.3 | 30.7 | 18.3 | 2.3 | 2.3 | 2.2 | (0.1) | 1.1 | 1.9 | 3.9 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (52.3) | (58.3) | 6.8 | 3.4 | 3.9 | 3.5 | 1.6 | 0.3 | 0.7 | 3.7 |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | (0.4) | (0.4) | 0.1 | 0.0 | (0.0) | 0.0 | (0.0) | (0.0) | 0.0 | — |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (63.1) | (72.3) | (2.8) | 0.1 | 0.1 | 1.5 | 0.3 | (0.1) | 0.1 | 2.8 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 8.4 | 6.6 | 3.4 | 2.3 | 2.0 | 1.9 | 1.9 | 0.8 | 0.7 | 0.6 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 7.3 | 5.8 | 3.1 | 2.1 | 1.8 | 1.7 | 1.8 | 0.7 | 0.6 | 0.6 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 1.1 | 0.8 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | 3.0 | 7.4 | 6.6 | 1.1 | 2.2 | 0.0 | (0.1) | (0.2) | 0.0 | 0.0 |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.2) | (0.1) | (0.4) | (0.1) | (0.0) | (0.0) | (0.5) | (0.1) | (0.1) | 0.3 |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.2) | (0.1) | (0.1) | (0.1) | (0.0) | (0.0) | (0.5) | (0.1) | (0.1) | (0.0) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | 0.4 | (0.1) | (0.0) | (0.3) | 0.0 | (0.1) | (0.2) | (0.1) | (0.0) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 19.9 | 22.7 | 7.7 | 1.5 | 1.5 | 0.4 | 0.4 | 1.2 | 0.7 | 1.1 |
| Investment Securities - Gain/(Loss) - Cash Flow | — | 0.0 | (0.3) | — | — | — | — | — | — | 0.3 |
| Interest Paid - Cash | 86.9 | 148.9 | — | — | — | — | — | 0.0 | 0.0 | — |
| Interest & Dividends - Received - Total - Cash Flow | 154.1 | 235.8 | 0.5 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 |
| Cash Flow from Operating Activities before Changes in Working Capital | 14.3 | 36.6 | 17.9 | 4.5 | 4.9 | 5.4 | 1.3 | 0.3 | 2.1 | 6.6 |
| Working Capital - Increase/(Decrease) - Cash Flow | 71.2 | (17.7) | 126.7 | 38.8 | 33.0 | 96.2 | 13.0 | (69.5) | 40.4 | 21.6 |
| Other Assets - Decrease/(Increase) - Cash Flow | (2.4) | (12.5) | (11.8) | (10.6) | 20.2 | 32.2 | (16.8) | (36.1) | 56.1 | (42.5) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | (34.6) | 12.2 | 24.3 | 20.6 | (8.7) | 7.1 | (28.4) | 1.2 | 8.2 | (7.8) |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (23.3) | (102.9) | (1.6) | 22.1 | (6.6) | (7.9) | 8.7 | (68.6) | (90.6) | (17.1) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 13.9 | 11.4 | 7.7 | 3.4 | 0.2 | 2.0 | 0.7 | 2.6 | 3.3 | 4.3 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 117.6 | 74.0 | 108.1 | 3.4 | 27.9 | 62.9 | 48.7 | 31.4 | 63.4 | 84.6 |
| Net Cash Flow from Operating Activities | 85.5 | 18.9 | 144.6 | 43.3 | 37.9 | 101.6 | 14.2 | (69.2) | 42.5 | 28.3 |
| Capital Expenditures - Net - Cash Flow | 12.8 | 9.1 | 4.5 | 2.2 | 2.6 | 1.5 | 0.2 | 1.5 | 1.3 | 1.9 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 11.5 | 6.1 | 2.9 | 1.3 | 1.8 | 1.1 | 0.0 | 1.1 | 1.1 | 1.9 |
| Property, Plant & Equipment - Purchased - Cash Flow | 12.4 | 6.3 | 3.7 | 1.5 | 1.9 | 1.5 | 1.4 | 1.3 | 1.3 | 1.9 |
| Property, Plant & Equipment Sold - Cash Flow | 1.0 | 0.2 | 0.7 | 0.2 | 0.1 | 0.4 | 1.4 | 0.2 | 0.1 | 0.1 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 1.3 | 3.0 | 1.6 | 0.9 | 0.8 | 0.3 | 0.2 | 0.4 | 0.1 | — |
| Intangible Assets - Purchased/Acquired - Cash Flow | 1.3 | 3.0 | 1.6 | 0.9 | 0.8 | 0.3 | 0.2 | 0.4 | 0.1 | — |
| Capital Expenditures - Total | 13.7 | 9.3 | 5.2 | 2.4 | 2.7 | 1.9 | 1.6 | 1.7 | 1.4 | 1.9 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 35.6 | (32.1) | (21.3) | (76.4) | (53.1) | (87.2) | 23.3 | 51.2 | (95.2) | 23.1 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 35.6 | (32.1) | (21.3) | (76.4) | (53.1) | (87.2) | 23.3 | 51.2 | (95.2) | 23.1 |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | — | — | — | 14.9 | — | — | 23.3 | — | — | — |
| Investment Securities - Purchased - Unclassified - Cash Flow | — | — | — | 91.3 | — | — | — | — | — | — |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | 1.1 | (1.0) | 22.4 | — | 0.0 | (0.0) | (0.0) | (0.2) | 0.0 | — |
| Other Investing Cash Flow - Decrease/(Increase) | 0.1 | (0.0) | 0.2 | 0.3 | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 | — |
| Net Cash Flow from Investing Activities | 24.0 | (42.3) | (3.2) | (78.3) | (55.7) | (88.7) | 23.0 | 49.6 | (96.4) | 21.3 |
| Dividends Paid - Cash - Total - Cash Flow | — | — | — | — | — | 0.0 | 0.0 | 0.2 | 0.2 | 0.2 |
| Dividends - Preferred - Cash Paid | — | — | — | — | — | 0.0 | 0.0 | 0.2 | 0.2 | 0.2 |
| Stock - Total - Issuance/(Retirement) - Net - Cash Flow | — | 0.0 | 2.2 | — | — | — | — | — | — | — |
| Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow | — | 0.0 | 2.2 | — | — | — | — | — | — | — |
| Stock - Common - Issuance/(Retirement) - Net - Cash Flow | — | 0.0 | 2.2 | — | — | — | — | — | — | — |
| Minority Interests & Joint Ventures - Net - Cash Flow | — | — | — | 0.0 | (0.2) | 0.0 | (0.7) | — | — | (0.6) |
| Stock - Common - Issued/Sold - Cash Flow | — | 0.0 | 2.2 | — | — | — | — | — | — | — |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (78.6) | 25.4 | (81.5) | 25.1 | 21.8 | (6.9) | (43.6) | 34.2 | 56.1 | (44.3) |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (74.2) | 29.3 | (80.8) | 26.5 | 23.6 | (5.7) | (42.2) | 31.7 | 54.1 | (44.3) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (4.4) | (3.9) | (0.8) | (1.4) | (1.7) | (1.2) | (1.4) | 2.5 | 2.0 | — |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (4.4) | (4.0) | (2.3) | (1.4) | (1.2) | (1.2) | (1.4) | — | — | — |
| Debt - Issued - Long-Term - Cash Flow | 0.0 | 0.2 | 3.5 | — | — | — | — | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 4.4 | 4.0 | 4.3 | 1.4 | 1.7 | 1.2 | 1.4 | — | — | — |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 4.4 | 4.0 | 2.3 | 1.4 | 1.2 | 1.2 | 1.4 | — | — | — |
| Other Financing Cash Flow - Increase/(Decrease) | (0.8) | (0.7) | (0.5) | 0.0 | (0.0) | 0.0 | (0.0) | 0.0 | (0.0) | — |
| Net Cash Flow from Financing Activities | (79.3) | 24.7 | (79.8) | 25.1 | 21.6 | (6.9) | (44.4) | 34.0 | 55.9 | (45.0) |
| Foreign Exchange Effects - Cash Flow | — | — | — | — | — | — | — | — | — | (0.0) |
| Net Change in Cash - Total | 30.2 | 1.3 | 61.6 | (9.9) | 3.8 | 6.0 | (7.2) | 14.4 | 1.9 | 4.5 |
| Net Cash from Continuing Operations | 30.2 | 1.3 | 61.6 | (9.9) | 3.8 | 6.0 | (7.2) | 14.4 | 1.9 | 4.5 |
| Net Cash - Beginning Balance | 88.3 | 86.9 | 25.3 | 35.2 | 31.4 | 25.4 | 32.6 | 18.2 | 16.2 | 11.7 |
| Net Cash - Ending Balance | 118.4 | 88.3 | 86.9 | 25.3 | 35.2 | 31.4 | 25.4 | 32.6 | 18.2 | 16.2 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 19.9 | 22.7 | 7.7 | 1.5 | 1.5 | 0.4 | 0.4 | 1.2 | 0.7 | 1.1 |
| Interest Paid - Cash Flow - Supplemental | 86.9 | 148.9 | — | — | — | — | — | 0.0 | 0.0 | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 154.1 | 235.8 | 0.5 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 |
| CF from Optg Activities before Change in WC & Int Payments | 101.1 | 185.5 | 17.9 | 4.5 | 4.9 | 5.4 | 1.3 | 0.3 | 2.1 | 6.6 |
| Common Stock Buyback - Net | — | 0.0 | (2.2) | — | — | — | — | — | — | — |
| Depreciation, Depletion & Amortization - Cash Flow | 8.4 | 6.6 | 3.4 | 2.3 | 2.0 | 1.9 | 1.9 | 0.8 | 0.7 | 0.6 |
| Free Cash Flow to Equity | (5.9) | 35.1 | 58.6 | 66.2 | 57.1 | 93.2 | (29.6) | (36.5) | 97.3 | (17.9) |
| Free Cash Flow Net of Dividends | 71.7 | 9.6 | 139.4 | 40.9 | 35.2 | 99.7 | 12.6 | (71.0) | 41.0 | 26.2 |
| Free Cash Flow | 71.7 | 9.6 | 139.4 | 40.9 | 35.2 | 99.7 | 12.7 | (70.8) | 41.1 | 26.3 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.