Financials -  Yearly
JS Bank Limited
Consolidated Balance Sheet
  As at December 31, 2015
(Rupees in ' 000)
 
Dec 31, 2015
Dec 31, 2014
Assets
Cash and balances with treasury banks 11,160,169 9,041,590
Balances with other banks 629,407 433,697
Lendings to financial institutions 3,581,329 11,080,242
Investments - net 116,884,984 85,761,502
Advances - net 76,678,864 62,442,853
Operating fixed assets 4,731,135 3,912,851
Deferred tax assets - net - -
Other assets 7,140,798 6,708,376
  220,806,686 179,381,111
Liabilities
Bills payable 1,609,425 1,380,020
Borrowings 54,638,318 50,537,973
Deposits and other accounts 140,355,175 107,429,838
Sub-ordinated loans - -
Liabilities against assets subject to finance lease - -
Deferred tax liabilities - net 1,571,252 304,257
Other liabilities 3,624,371 3,532,454
  201,798,541 163,184,542
Net assets 19,008,145 16,196,569
Represented by
Share capital 10,724,643 10,724,643
Discount on issue of shares (2,105,401) (2,105,401)
Preference shares 1,500,000 1,500,000
Reserves 918,815 513,706
Unappropriated profit 3,006,149 1,384,998
  14,104,206 12,017,946
Non-controlling interest 1,952,266 2,135,442
  16,056,472 14,153,388
Surplus on revaluation of assets - net of tax 2,951,673 2,043,181
  19,008,145 16,196,569

JS Bank Limited
Consolidated Profit and Loss Account
  For the year ended December 31, 2015
(Rupees in ' 000)
 
Dec 31, 2015
Dec 31, 2014
Mark-up / return / interest earned 15,464,522 11,253,707
Mark-up / return / interest expensed 9,680,803 7,184,674
Net mark-up / interest income 5,783,719 4,069,033
Provision against non-performing loans and advances - net (675,092) (657,634)
(Provision) / reversal of diminution in the value of investments - net (43,061) 236,985
Bad debts written off directly - -
  (718,153) (420,649)
Net mark-up / interest income after provisions 5,065,566 3,648,384
Non mark-up / interest income
Fee, commission and brokerage income 1,784,854 1,449,560
Dividend income 180,209 67,148
Income from dealing in foreign currencies 287,742 271,765
Gain on sale of securities - net 1,995,047 1,551,557
Unrealised gain on revaluation of investments classified as held-for-trading - net 13,511 352,667
Other income / (loss) - net 36,118 (115,770)
Total non-mark-up / interest income 4,297,481 3,576,927
  9,363,047 7,225,311
Non mark-up / interest expenses
Administrative expenses 5,517,631 4,531,755
Other provisions / write offs 363 24,074
Other charges 77,111 80,497
Total non-mark-up / interest expenses 5,595,105 4,636,326
  3,767,942 2,588,985
Extra ordinary / unusual items - -
Profit before taxation 3,767,942 2,588,985
Taxation - current (601,716) (248,366)
             - prior years 8,982 52,166
             - deferred (709,884) (494,518)
  (1,302,618) (690,718)
Profit after taxation 2,465,324 1,898,267
Attributable to:
Equity holders of the bank 2,252,256 1,445,843
Non-controlling interest 213,068 452,424
  2,465,324 1,898,267
Basic earning per share 1.95 1.35
Diluted earning per share 1.74 1.14
Auditor(s):

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