Js Bank Limited · PSX:JSBL
Js Bank — Investor Presentation (December 2023)
17 slides from Js Bank's investor presentation, Dec 29, 2023
Slide 1: Corporate Briefing Session 2023
Corporate Briefing Session 2023 DECEMBER 29, 2023
Slide 2: Note About Forward-Looking Statements
NOTE ABOUT FORWARD-LOOKING STATEMENTS This document may contain forward looking statements regarding JS Bank Limited’s (the “Bank”) strategy, businesses and/or performance. These statements are based on plans, estimates and projections as they are currently available to the management of the Bank. T
Slide 3: Bank's Profile
Bank’s Profile JS BANK Jahangir Siddiqui Investment Bank Limited was merged into the Pakistan operations of American Express Bank in 2006 to form JS Bank. SPONSORS C OM M E N C E M E N T OF OPERATIONS The Bank is a subsidiary of Jahangir Siddiqui & Co. Ltd. December 30, 2006 BRANCHES ENTITY RATING a
Slide 4: Major Products
Major Products JS EMPLOYEE JS SOLAR JS CREDIT CARDS JS MYGOLD JS GOLD FINANCE MORTGAGES BANKING FINANCING JS Credit Cards are Industry-first offering We are Pakistan's A s Pakistan’s largest JS employee banking We have financed over designed to provide of buying gold on easy leading bank when it con
Slide 5: Digital Initiatives
Digital Initiatives Digital Transformation Digital Products • 8 4 Digital Initiatives and Projects this year till Q3-2023 • JS Mobile App and Internet Banking has displayed increase • 29 new Robotic Process Automations (RPA) in penetration from 3 0 % to 52%. Transactional growth has • In-house devel
Slide 6: Zindigi Achievements
Zindigi Achievements YoY Growth: Winner of Best Digital Startup Award Transactions Users Volume 2023 at PDA 210% 110% 50% Zindigi Prize with over 5000 Startups 9.4M Downloads and students from 130 universities in the biggest business idea competition of Pakistan. 4.8M Accounts Zindigi is now 1 of on
Slide 7: Recognition & Awards – 2022 & 2023
Recognition & Awards – 2022 & 2023 Best Bank for DEI Best Bank for Best Bank for C S R Merit Award for Communications 2022 Vision, Strategy, (Asia Money Best Corporate (Global Diversity Equity and Business Awards 2023) Report at the ICAP and Inclusion) Impact 2022 (Global Awards 2023 Diversity Equit
Slide 8: Trend Analysis - Deposits
PKR million Trend Analysis - Deposits • Total deposits of PKR 4 8 4 billion with current account deposits of over PKR 149 billion as at Sept 23. Deposits Sep '2023 Dec'2022 Var (%) Current 149,768 142,732 4.9% • Non-Rem. Deposits growth of 4.9% over December 2022. Saving 163,307 132,821 23.0% Term 1
Slide 9: Trend Analysis - Advances
Trend Analysis - Advances PKR million Advances Sep '2023 Dec '2022 Var (%) • Lending activities remained cautious owing to economic Performing Advances 195,999 222,213 (11.8%) slowdown and record high interest rates. Non-Performing Advances 14,953 16,312 (8.3%) • Advances book therefore witnessed at
Slide 10: Trend Analysis – Investments
Trend Analysis – Investments PKR million Investments Sep'2023 Dec'2022 Variance Variance(%) • Investment portfolio is majorly GoP(Tbills&PIBs) 261,184 295,427 (34,243) (12%) vested with Government Securities. Shares(includingsubsidiaries&associates) 23,482 5,678 17,804 314% • At September 2023, the
Slide 11: Financial Highlights 9M'23
PKR million FINANCIAL HIGHLIGHTS 9M’23 FINANCIAL PERFORMANCE 9M' 23 9M' 22 Change • Net interest income increased by 4 0 % due to growth in non-remunerative deposits and timely Net Interest Income 14,752 10,535 40.0% repositioning of asset book, further fueled by DR hike. Non Interest Income 6,921 4
Slide 12: Financial Highlights 9M'23
FINANCIAL HIGHLIGHTS 9M’23 PKR million FINANCIAL PERFORMANCE Non Funded Income 9M' 23 9M' 22 Change Provisions and write offs 9M' 23 9M' 22 Change Fee, commission and dividend Reversals of diminution in value of 3,371 2,454 37% (7) (37) -81% income investments Foreign exchange income 3,796 1,917 98%
Slide 13: Consolidated Financial Position
CONSOLIDATED FINANCIAL POSITION PKR million September 2023 December 2022 Variance ASSETS Cash and bank balances 80,598 26,625 53,973 Lendings to FIs 5,256 11,351 (6,095) Investments 559,534 303,368 256,166 Advances 406,535 231,559 174,976 Fixed assets 26,171 11,235 14,936 Intangible assets 7,903 3,8
Slide 14: How you can reach us?
How you can reach us? +92 (21) 111-654-321 JS Bank Limited Shaheen Commercial Complex, Dr Ziauddin +92 (51) 111-654-321 Head Office Ahmed Rd, Civil Lines, Karachi, Sindh info@jsbl.com Digital & Social Media Presence: www.jsbl.com JSBankLtd @jsblpak @jsblpak jsbankltd @jsbank6144 @jsbank.official
Slide 15: Questions & Answers
GJS BANK QUESTIONS & ANSWERS
Slide 16: Thank You!
GJS BANK THANK YOU!
Slide 17: ZJS BANK
ZJS BANK