Js Bank Limited · PSX:JSBL
Js Bank — Q3 2020 Earnings Presentation
19 slides from Js Bank's earnings presentation, Dec 30, 2020
Slide 1: Analyst Briefing
ANALYST BRIEFING SEPTEMBER 30, 2020 December 30, 2020
Slide 2: Table of Content
TABLE OF CONTENT 01 Bank Overview & Group Structure 02 Financial Highlights Q3 2020 & Key Ratios 03 Products, Services & Branch Network 04 Achievements & Major Initiatives
Slide 3: Bank Overview
BANK OVERVIEW Jahangir Siddiqui Investment Bank was The JS Bank is the subsidiary company of established after JSCL acquired Citicorp Jahangir Siddiqui & Co. Ltd by holding Investment Bank 75.02% 1990 2006 2020 Jahangir Siddiqui Investment Bank was merged into JS Bank in 2006, after acquiring the Pa
Slide 4: Bank Overview
BANK OVERVIEW JS Bank Limited is amongst the fastest growing banks of Pakistan. The Bank started its operations with 4 branches which have now grown to a nationwide network of 308 branches and one offshore branch in Bahrain within a span of 14 years. The Bank has progressively improved its domestic
Slide 5: Group Structure
GROUP STRUCTURE Jahangir Siddiqui & Co. Ltd. (Parent Company) JS Bank Limited JS Global Capital Limited (Subsidiary) JS Investments Limited (Subsidiary) Particulars Sep 30, 2020 Particulars Sep 30, 2020 The principal business activities are: • Equity Brokerage Shareholding (%) 83.53% Shareholding (%
Slide 6: Financial Highlights – Six Year Analysis
FINANCIAL HIGHLIGHTS – SIX YEAR ANALYSIS YTD 3Q- Particulars 2019 2018 2017 2016 2015 *2006 2020 Deposits 391,953 369,790 321,413 290,078 226,099 141,840 7,198 Advances 241,852 242,945 251,991 184,140 93,794 76,666 1,693 Investments 168,386 142,568 148,690 169,612 133,727 116,030 2,582 Total Assets
Slide 7: Financial Highlights – Six Year Analysis
FINANCIAL HIGHLIGHTS – SIX YEAR ANALYSIS Particulars Q3 2020 2019 2018 2017 2016 2015 2014 Key Investors Indicators Market Price per share 6.85 5.40 7.37 7.52 10.81 7.75 7.14 (PKR) Earning per share(PKR) 0.90 0.00 0.30 0.74 1.77 1.74 0.99 Net Assets per share 15.45 13.36 12.04 15.54 15.52 14.89 12.2
Slide 8: Financial Highlights – Six Year Analysis
FINANCIAL HIGHLIGHTS – SIX YEAR ANALYSIS Particulars Q3 2020 2019 2018 2017 2016 2015 2014 Assets Quality and Liquidity Ratio Gross Advances to Deposits Ratios 62.67% 66.65% 79.38% 64.42% 42.66% 55.97% 54.04% Net Advances to Deposits Ratio 61.70% 65.70% 78.40% 63.48% 41.48% 54.05% 57.41% Investments
Slide 9: Financial Highlights – Profit & Loss
FINANCIAL HIGHLIGHTS – PROFIT & LOSS Net Interest Income Particulars YTD Q3-2020 YTD Q3 -2019 Change The Bank's earnings during the nine months 2020 remain strong despite a challenging operating environment. The Bank reported a profit before tax of PKR Interest Income 33,886 30,259 12.0% 1,965 milli
Slide 10: Financial Highlights – Balance Sheet
FINANCIAL HIGHLIGHTS – BALANCE SHEET Particulars YTD 3Q 2020 2019 Change Deposits: Investments 168,386 142,568 18.1% The Bank’s deposits have continued to show steady growth, while the Advances 241,852 242,945 (0.4%) advances have remained stable. The Bank reported total deposits of PKR 392 billion
Slide 11: Graphical Analysis
GRAPHICAL ANALYSIS Total Deposits Advances 500,000 300,000 391,952 251,991 369,789 242,944 241,852 400,000 250,000 321,413 290,078 184,140 200,000 300,000 226,099 150,000 200,000 141,840 93,794 100,000 76,666 100,000 50,000 - - 2015 2016 2017 2018 2019 3Q 2020 2015 2016 2017 2018 2019 3Q 2020 Total
Slide 12: Graphical Analysis
GRAPHICAL ANALYSIS 450,000 402,618 408,819 411,152 356,867 300,000 350,000 238,855 196,277 300,000 150,000 267,075 250,000 - 2015 2016 2017 2018 2019 YTD 3Q- 2020 200,000 181,987 173,027 Earning Assets 150,000 136,843 100% 92,648 100,000 78% 68,763 75% 63% 66% 62% 50,000 54% 50% 41% 48% 41% 47% 54%
Slide 13: Graphical Analysis
GRAPHICAL ANALYSIS Transportation Food / confectionery / beverages 12% 15% Power and water Individuals 2% 2% Others 2% Wholesale and retail trade 2% Weaving 2% 12% Metal and steel 2% Composite 2% Advances by Segments Construction 3% Brokerage 3% Engineering, IT and other services 11% Spinning 4% Pha
Slide 14: Branch Network
BRANCH NETWORK 360 345 323 307 308 277 308 Total Branches 238 211 185 180 172 161 160 147 152 138 126 112 122 01 Bahrain Branch 101 100 79 67 49 307 Branches across the 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 country in around 160 cities Branches Cities In Sep 2020: Fifty-one bra
Slide 15: Product & Services
PRODUCT & SERVICES •Deployment of Global •Auto Loans •Call Center •IBFT on ATMs •Visa Debit •Mobile Banking •Credit Cards Correspondent (Outsourced) •Cash Management Banking Network •SMS Alerts •eStatements •Deployment of Core •Home Remittances Banking System •Bancassurance •Rupee Travelers •Interne
Slide 16: Achievements
ACHIEVEMENTS JS Bank is one of the fastest growing Banks in Pakistan, with both domestic and international presence. The Bank is a leader in the digital banking, SME & consumer loans space. JS Bank has been recognized on multiple international and national forums including the prestigious Asia Money
Slide 17: Major Initiatives & Success
MAJOR INITIATIVES & SUCCESS COVID-19 RESPONSE JS SMALL & MEDIUM JS PAYROLL SBP FINANCE JS GOLDFINANCE ENTERPRISES JS Bank and clients deploy JS Bank becomes the best JS Bank, Pakistan’s 3rd largest JS Bank is one of Pakistan’s leading banks for business & agricultural gold 110 million fund for and F
Slide 18: Question & Answers
BARHNAHALAAGEY QUESTION & ANSWERS
Slide 19: Thank You
BARHNAHALAAGEY THANK YOU