Financials - Half Yearly
JS Bank Limited
Consolidated Balance Sheet
  As at June 30, 2019
(Rupees in ' 000)
 
Jun 30, 2019
Dec 31, 2018
Assets
Cash and balances with treasury banks 34,742,060 32,111,176
Balances with other banks 2,522,110 978,024
Lendings to financial institutions 4,598,062 1,937,347
Investments 137,162,406 149,601,215
Advances 250,280,425 252,308,117
Fixed assets 12,596,557 6,947,725
Intangible assets 2,162,922 2,206,512
Deferred tax assets - net 632,473 408,992
Other assets 14,934,333 14,042,139
  459,631,348 460,541,247
Liabilities
Bills payable 3,913,734 3,519,924
Borrowings 52,588,855 96,558,663
Deposits and other accounts 358,607,691 319,806,852
Liabilities against assets subject to finance lease - -
Subordinated debt 7,495,800 7,496,800
Deferred tax liabilities - -
Other liabilities 18,198,597 14,720,189
  440,804,677 442,102,428
Net assets 18,826,671 18,438,819
Represented by:
Share capital 10,119,242 10,119,242
Reserves 1,764,384 1,712,170
Surplus / (deficit) on revaluation of assets - net of tax 825 (822,532)
Unappropriated profit 5,291,632 5,825,742
  17,176,083 16,834,622
Non-controlling interest 1,650,588 1,604,197
  18,826,671 18,438,819

JS Bank Limited
Consolidated Profit and Loss Account
  For the six month ended June 30, 2019
(Rupees in ' 000)
 
Jun 30, 2019
Jun 30, 2018
Mark-up / return / interest earned 19,106,531 14,045,657
Mark-up / return / interest expensed 15,321,030 9,584,412
Net mark-up / interest income 3,785,501 4,461,245
Non mark-up / interest income
Fee, commission and brokerage income 1,606,586 1,812,236
Dividend income 126,124 97,007
Foreign exchange (Loss) / income 183,870 240,038
Income from derivates - net 301,903 80,756
(Loss) gain on securities - net (368,999) 44,723
Share of profit from associates 13,804 4,186
Other income - net 81,159 74,545
Total non mark-up / interest income 1,944,447 2,353,491
Total Income 5,729,948 6,814,736
Non mark-up interest expenses
Operating expenses 5,783,747 5,441,560
Worker's welfare fund 566 24,291
Other charges 248 532
Total non mark-up / interest expenses 5,784,561 5,466,383
(Loss) / income before provisions (54,613) 1,348,353
Provisions and write offs - net 593,653 131,737
Extraordinary / unusual items - -
(Loss) profit before taxation (648,266) 1,216,616
 Taxation 73,620 (492,636)
(Loss) profit after taxation (574,646) 723,980
Attributable to:
 Equity holders of the bank (523,393) 711,911
 Non-controlling interest       (51,253) 11,989
  (574,646) 723,980
Basic and diluted earnings per share - (Rupees) 0.42 0.43
Auditor(s):

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