Js Bank Limited · PSX:JSBL
Js Bank — 9M 2021 Earnings Presentation
15 slides from Js Bank's earnings presentation, Dec 30, 2021
Slide 1: Corporate Briefing Session
Corporate Briefing Session For the period ended September 30, 2021 December 30, 2021
Slide 2: Table of Content
TABLE OF CONTENT 01 Bank’s Overview 02 Key Initiatives & Recognition 03 Trend Analysis – Deposits, Advances & Investments 04 Financial Highlights 9M’21 05 Questions & Answers
Slide 3: Bank's Overview
BANK’S OVERVIEW JS Bank Jaghangir Siddiqui Investment Bank Limited was merged into JS Bank in 2006, after acquiring the Pakistan operations of American Express Bank Sponsors The Bank is the subsidiary company of Jahangir Siddiqui & Co. Ltd. Commencement of December 31, 2006 Operations • The Bank sta
Slide 4: Key Initiatives
KEY INITIATIVES Kamyab Jawan Program JS SMALL & MEDIUM ENTERPRISES JS GOLDFINANCE JS Bank brings an exciting opportunity JS Bank is one of Pakistan’s leading for the youth of Pakistan to make them JS Bank, Pakistan’s 3rd largest SME banks for business & agricultural gold financially independent thro
Slide 5: Key Initiatives
KEY INITIATIVES CSR RDA Project Phoenix JS Bank launched Sindh’s first JS Bank is in pilot phase of RDA, JS Bank completely ever Drive Through Vaccination with multi-currency accounts revamped its Mobile Centre, administering approx. opened and various investment Banking App, providing new 100,000 d
Slide 6: Recognition & Awards 2021
RECOGNITION & AWARDS 2021 Best Corporate Consumer Finance Best Private Sector Consumer Choice UNOCHA Award for Best Bank for Report Award Product of the Year Bank- Award Covid-19 SMEs 2020 Pakistan Prime Minister’s 2021 Vaccination Asia Money (Certificate of ABF Retail Kamyab Jawan Facility Awards M
Slide 7: Trend Analysis - Deposits
TREND ANALYSIS - DEPOSITS PKR million Deposits Sep '2021 Dec '2020 Var (%) Deposits: Current 123,382 108,021 14.2% The Bank’s deposits have continued to show growth. The Bank reported total deposits of PKR 439 billion Saving 112,031 114,880 (2.5%) with current account deposits of over PKR 123 billio
Slide 8: Trend Analysis - Advances
TREND ANALYSIS - ADVANCES PKR million Advances Sep '2021 Dec '2020 Var (%) Advances: Performing Advances 242,673 242,668 0.0% The Bank has continued its proactive strategy of Non-Performing Advances 14,614 11,734 24.5% enhancing its exposure in advances, with special Advances - gross 257,287 254,402
Slide 9: Trend Analysis - Advances by Sector
TREND ANALYSIS - ADVANCES Advances by Sector Individuals 2% Transportation 3% 2% 3% 17% Food / confectionery 4% / beverages Textile 4% Power and water 6% Wholesale and retail Advances trade Composition 15% Metal and steel Sector Wise Engineering, IT and 9% other services Agri finance Brokerage 10% 1
Slide 10: Trend Analysis - Investments
TREND ANALYSIS - INVESTMENTS PKR million Investments Sep '2021 Dec '2020 Var. Growth (%) Key Note: GoP 233,822 188,519 45,303 24.0% Duration and DV01 of GoP Equity 5,202 4,351 851 19.6% investments is marginal and major Others (Euro Bonds, TFCs etc.) 10,649 8,828 1,821 20.6% repricing/maturities occ
Slide 11: Financial Statements Review
Financial Statements Review For the period ended September 30, 2021
Slide 12: Financial Highlights 9M'21
FINANCIAL HIGHLIGHTS 9M’21 PKR million FINANCIAL PERFORMANCE Q3-2021 Q3 -2020 Change Key Notes Net Interest Income Interest Income 28,891 33,886 (14.7%) All the business segments of the Bank have posted healthy performance and are expected to continue the growth momentum. During the period under rev
Slide 13: Financial Highlights 9M'21
FINANCIAL HIGHLIGHTS 9M’21 PKR million FINANCIAL PERFORMANCE Provisions and write offs Q3 21 Q3 20 Change Non Funded Income Q3 21 Q3 20 Change Reversals / provisions Fee, commission and dividend diminution in value of (282) 47 -700.0% 2,841 2,752 3.2% investments income Foreign exchange income 840 7
Slide 14: Questions & Answers
ZJS BANK QUESTIONS & ANSWERS
Slide 15: Thank You
ZJS BANK THANK YOU