Js Investments Limited · PSX:JSIL
Js Investments — FY2025 Earnings Presentation
27 slides from Js Investments's earnings presentation, Apr 17, 2026
Slide 1: Welcome to the Corporate Briefing Session 2025
ZJS investments Better Investments for a Better Future! 2 WELCOME TO THE CORPORATE BRIEFING SESSION 2025 4 / _/BPRIL 17, 2026 } FRIDAY 04:30 PM
Slide 2: Corporate Briefing Session 2025
Corporate Briefing Session 2025 For Analysts & Shareholders · April 17, 2026 Scale, profitability, and platform diversification 2
Slide 3: Company Overview and Recent Performance
CHAPTER 1 Company Overview and Recent Performance An overview of Company business and recent performance. 3
Slide 4: Better Investments, For a Better Future
ABOUT US Better Investments, For a Better Future JS Investments Limited (JSIL), established in 1995, holds the distinction of being Pakistan's oldest private sector Asset Management Company. Our founding partners — INVESCO PLC, Europe's largest investment management house, and the International Fina
Slide 5: Corporate Information
GOVERNANCE Corporate Information Board of Directors Key Management Mr. Suleman Lalani Ms. Iffat Zehra Mankani CEO COO & Company Chairman / Non-Executive Chief Executive Officer Secretary Director Ms. Iffat Zehra Mankani Mr. Muhammad Khawar Iqbal Mr. Ahsan Jamal Mr. Faisal Anwer Non-Executive Directo
Slide 6: 30 Years of Trust, Innovation & Excellence
OUR MILESTONES 30 Years of Trust, Innovation & Excellence From Pakistan's first private-sector asset management company to a trailblazer across funds, fintech, and financial inclusion — a legacy of industry firsts. 1995 2018 Founded Pakistan's first private- Launched mobile app for sector AMC. inves
Slide 7: JSIL has completed its turnaround phase and is entering the disciplined scale-up phase
STRATEGY OVERVIEW JSIL has completed its turnaround phase and is entering the disciplined scale-up phase. The 2021–2025 period restored platform stability, credibility, and profitability. The March 2026 base case is Repair 2021–2023 Scale-Up 2026–2028 anchored on December 2025 Platform stabilisation
Slide 8: CY2025 Performance Snapshot
CY2025 PERFORMANCE SNAPSHOT Key Highlights: Exceptional Growth Across All Metrics JSIL delivered strong growth across assets under management, profitability, investor reach, and institutional quality in CY2025. Growth was driven by fixed income products, pension expansion, digital channels, ETF lead
Slide 9: JSIL Lifetime Accounts Breakup
CUSTOMER GROWTH JSIL Lifetime Accounts Breakup 143,238 21,386 Total Accounts Lifetime CY 2025 Growth Cumulative customer base built since inception, representing diverse investor New accounts added from December 2024 through the recently ended CY-2025—our segments across Pakistan from individual ret
Slide 10: 2025 Execution Has Materially Broadened the Platform
STRATEGY PROGRESS 2025 Execution Has Materially Broadened the Platform Pension & Long-Term Savings Product Innovation Strong momentum in the KPK pension platform and Advanced fixed term and Shariah-compliant capital-protected additional scale from Punjab pension. Voluntary pension is offerings. Pipe
Slide 11: Financial Highlights
CHAPTER 2 Financial Highlights A comprehensive review of JS Investments Limited's financial performance for the calendar year ended December 31, 2025 — demonstrating record income growth, strong profitability, and a fortified balance sheet. 11
Slide 12: Key Financial Highlights — CY 2025
FINANCIAL PERFORMANCE Key Financial Highlights — CY 2025 Total Income: Rs 1,663.61 Million Net Remuneration: Rs 1,155.29 Million +65% YoY vs. Rs 1,009.05M in CY 2024, and 63% above budget of Rs +118% YoY vs. Rs 529.14M in CY 2024, surpassing budget expectations by 43%. 1,017.83M. Reflects robust ope
Slide 13: Profit & Loss Comparison
P&L SUMMARY Profit & Loss Comparison CY 2025 vs. CY 2024 — Comprehensive financial performance demonstrating exceptional year-over-year growth and substantial outperformance versus budget across all key metrics. Results reflect successful execution of our growth strategy, operational scalability, an
Slide 14: The Balance Sheet Is Stronger and the Platform Is More Mature
BALANCE SHEET The Balance Sheet Is Stronger and the Platform Is More Mature Key Balance Sheet Metrics (Dec 31, 2025) Institutional Strength Indicators The improved balance sheet reflects a stronger capital base, better liquidity, and Rs 2,595mn Rs 1,977mn greater financial flexibility heading into 2
Slide 15: Balance Sheet Snapshot
BALANCE SHEET Balance Sheet Snapshot December 31, 2025 vs. December 31, 2024 — The balance sheet reflects a materially strengthened financial position with 23% growth in shareholders' equity to Rs 2.6 billion and a 57% reduction in current liabilities, delivering significantly improved liquidity and
Slide 16: 10 Years Profitability Analysis of JSIL
10YEARS ANALYSIS 10 Years Profitability Analysis of JSIL This decade-long perspective reveals our transformation from a challenged asset manager to a profitable, growth-oriented firm. The journey illustrates both the cyclical nature of our industry and the strategic pivots that repositioned JSIL for
Slide 17: Strategic Updates
CHAPTER 3 Strategic Updates An overview of key strategic initiatives, new product launches, wealth management expansion, digital transformation, and our REIT portfolio — positioning JSIL for sustained leadership in Pakistan's asset management industry. 17
Slide 18: Wealth Management Centers Update
WEALTH CENTERS Wealth Management Centers Update JSIL's expanding network of Wealth Management Centers provides high-net-worth and affluent investors with personalized, technology-enabled advisory services — combining digital tools with face-to-face relationship management across Pakistan's major fin
Slide 19: REIT Portfolio Overview
REIT PORTFOLIO REIT Portfolio Overview Launched REITs REITs in Progress JS Hotel REIT (Hilton JS Rental REIT (JS JASS REIT JS Bank Hybrid Garden Inn) Tower) (Karachi) REIT 139-key Hilton-branded Rental REIT based on JS A warehouse REIT A mix of residential and hotel. Fund value: PKR Center. Regus br
Slide 20: Our Digital Services Ecosystem
DIGITAL SERVICES Our Digital Services Ecosystem Digital Customer Investor Portal & JSIL WhatsApp Bot Onboarding Application Three seamless pathways: JSIL A complete digital ecosystem A self-service WhatsApp Bot Sahulat & Regular Digital Account allowing investors to manage their providing instant ac
Slide 21: Marketing Initiatives
BRAND OUTREACH Marketing Initiatives 21
Slide 22: Future Outlook
CHAPTER 4 Future Outlook An overview of key strategic initiatives, new product launches, wealth management expansion, digital transformation, and our REIT portfolio — positioning JSIL for sustained leadership in Pakistan's asset management industry. 22
Slide 23: JSIL's next phase of growth will be executed in a more volatile external environment
EXTERNAL ENVIRONMENT JSIL’s next phase of growth will be executed in a more volatile external environment External Pressures Elevated Geopolitical Tensions • Elevated Middle East tensions driving oil volatility • Imported inflation and external account pressure on Pakistan • Delayed equity risk-taki
Slide 24: The industry remains under-penetrated, but the drivers of growth are changing
INDUSTRY CONTEXT AND GROWTH DRIVERS The industry remains under-penetrated, but the drivers of growth are changing. Low Penetration Shifting Growth Drivers Pakistan’s mutual fund industry remains materially small Industry expansion is increasingly being driven by relative to GDP and household savings
Slide 25: Entering 2026 From a Position of Greater Strength
OUTLOOK Entering 2026 From a Position of Greater Strength JSIL enters 2026 with materially higher AUM, stronger profitability, improved balance sheet quality, wider investor reach, and a more diversified operating platform than at any point in its recent history. The company's focus in 2026 remains
Slide 26: The next three years should reposition JSIL from a successful turnaround to durable category leadership
STRATEGIC INITIATIVES The next three years should reposition JSIL from a successful turnaround to durable category leadership Multi-Asset Scale Pension Leadership ETF Leadership Become Pakistan's most relevant non- Build the strongest pension franchise Establish JSIL as the leading ETF bank multi-as
Slide 27: Thank You
Thank You JS Investments Limited · Corporate Briefing Session 2025 For further information, please contact the JS Investments Investor Relations team. This presentation has been prepared for analysts and shareholders of JS Investments Limited. All figures are as of December 31, 2025 unless otherwise