JS Bank Balance Sheet Health

Financial Health criteria checks 4/6

JS Bank has total assets of PKR1,328.0B and total equity of PKR67.1B. Total deposits are PKR1,106.6B, and total loans are PKR398.2B.

Key information

19.8x

Asset to equity ratio

n/a

Net interest margin

Total deposits

PK₨1.11t

Loan to deposit ratio

Appropriate

Bad loans

9.3%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

PK₨139.12b

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: JSBL's Assets to Equity ratio (19.8x) is moderate.

Allowance for Bad Loans: JSBL has a low allowance for bad loans (91%).

Low Risk Liabilities: 88% of JSBL's liabilities are made up of primarily low risk sources of funding.

Loan Level: JSBL has an appropriate level of Loans to Assets ratio (30%).

Low Risk Deposits: JSBL's Loans to Deposits ratio (36%) is appropriate.

Level of Bad Loans: JSBL has a high level of bad loans (9.3%).


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