Js Bank Limited · PSX:JSBL
Js Bank — Investor Presentation (September 2022)
16 slides from Js Bank's investor presentation, September 2022
Slide 1: Corporate Briefing Session
1 Corporate Briefing Session September 2022 December 27, 2022
Slide 2: Table of Content
Table of Content 2 01 Bank’s Profile 02 Key Initiatives & Recognition 03 Trend / Variance Analysis – Deposits, Advances & Investments 04 Financial Highlights 9M’22 05 Questions & Answers
Slide 3: Bank Profile
Bank Profile 3 Jaghangir Siddiqui Investment Bank Limited was merged into JS Bank in 2006, after acquiring JS Bank the Pakistan operations of American Express Bank Credit Card Sponsors The Bank is a subsidiary company of Jahangir Siddiqui & Co. Ltd. Personal Gold Loan Finance Commencement of Decembe
Slide 4: Key Initiatives
Key Initiatives 4 ZINDIGI JS Blink JS Internet Banking Launched Pakistan’s first JS Bank is providing digital JS Bank launched it’s all new, Credit customizable digital solution account via three digital channels seamless, user-friendly and Card providing end-to-end digital Website, Mobile App & JS
Slide 5: Key Initiatives: Zindigi's Product Suite
Key Initiatives ZJS BANK lp Payments & Transfers lo : Savings, U Investments Zindigi’s Product Suite Gaming & In App Advanced Entertainment Features Lending Insurance Money Transfer/RAAST Request/Gift Money Government & Education Payments Airtime & Bundles Ticketing Donations Debit Card / Virtual Ca
Slide 6: Recognitions & Awards
Recognitions & Awards 6 PRESIDENT & CEO BASIR 11th CORPORATE GLOBAL Best Bank for SOCIAL SME’s Asia Euromoney ‘SME SHAMSIE NOMINATED VISIONARY RESPONSIBILITY Awards Money Bank of the Year’ AS TOP 100 ICONS OF LEADERS AWARD 2022 2022 2022 PAKISTAN AWARD 2022 AWARD 2022 SME Bank of ELITE QUALITY BEST
Slide 7: Trend Analysis - Deposits
Trend Analysis - Deposits 7 PKR Millions Deposits Sep '2022 Dec '2021 Var (%) The Bank’s deposits have continued to show growth. The Bank reported total deposits of PKR 481 billion Current 129,366 121,535 6.4% with current account deposits of over PKR 129 billion Saving 123,384 114,878 7.4% as at pe
Slide 8: Trend Analysis - Advances
Trend Analysis - Advances 8 PKR Millions Advances Sep '2022 Dec '2021 Var (%) Advances: Performing Advances 223,835 246,941 (9.4%) ▪ Total gross advances have declined to PKR 240.6 billion in September 2022 (down 7.8% vs Dec 21), Non-Performing Advances 16,786 13,926 20.5% which is part of bank’s wi
Slide 9: Variance Analysis - Advances
Variance Analysis - Advances 9 PKR Millions Particulars Sep 2022 Dec 2021 Variance Performing advances 223,835 246,940 (23,105) Non-Performing advances 16,786 13,926 2,860 Advances - Gross 240,621 260,867 (20,245) Provision against advances - Specific (6,895) (6,570) (325) - General (190) (88) (102)
Slide 10: Trend Analysis - Investments
Trend Analysis - Investments 10 PKR Millions Investments Sep '2022 Dec '2021 Variance Variance (%) The duration of the GoP investments is kept low GoP (Tbills & PIBs) 272,139 218,940 53,199 24% and major repricing/maturities occur till February Equity (including subsidiaries & associates) 4,600 4,01
Slide 11: Variance Analysis - Investments
Variance Analysis - Investments 11 PKR Millions PKR Millions Particulars Sep 2022 Dec 2021 Variance Held-for-trading securities (HFT) Federal Government Securities 9 1,109 (1,101) Available-for-sale securities (AFS) Federal Government Securities 173,108 159,686 13,422 Shares 2,331 1,945 386 Non Gove
Slide 12: Financial Statements – Review
12 PKR Millions Financial Statements – Review For the period ended September 30, 2022
Slide 13: Financial Highlights – 9M’22
Financial Highlights – 9M’22 13 PKR Millions FINANCIAL PERFORMANCE 9M' 22 9M' 21 Change Key Notes Net Interest Income 10,535 9,055 16.3% Net Interest Income The Bank’s net interest income increased by 16% YoY to PKR 10,535 million. Net interest margins increased to 1.86% in 9M2022 as Non Interest In
Slide 14: Financial Highlights – 9M’22
Financial Highlights – 9M’22 14 PKR Millions Non Funded Income 9M' 22 9M' 21 Change Provisions and write offs 9M' 22 9M' 21 Change Fee and commission 2,341 2,413 (3.0%) Reversals / provisions Dividend Income 113 428 (73.6%) diminution in value of (37) (282) (86.9%) Foreign exchange income 1,917 841
Slide 15: Questions & Answers
ZJS BANK Questions & Answers
Slide 16: Thank You
4JS BANK Thank You