Js Bank Limited · PSX:JSBL
Js Bank — Investor Presentation (December 2019)
14 slides from Js Bank's investor presentation, Dec 20, 2019
Slide 1: Analyst Briefing
Analyst Briefing September 30, 2019 December 20, 2019
Slide 2: Bank Overview and Historical Timeline
Bank Overview Historical Timeline Jahangir Siddiqui Investment Bank was Deposits and advances grew at the rate of established after JSCL acquired Citicorp 5YCAGR 31%, and 42% respectively Investment Bank Retail Footprint, as of Dec 2018: 345 branches in 172 cities 1999 2006 2018 Jahangir Siddiqui In
Slide 3: Group Structure
Group Structure Jahangir Siddiqui & Co. Ltd. JS Bank Limited JS Global Capital Limited JS Investments Limited (Subsidiary) (Subsidiary) Shareholding (%) * 83.53% Shareholding (%) 84.56% Total assets Rs. 4,415 million Assets Under Management (AUMs) Rs. 21,386 million Share holders’ equity Rs. 2,601 m
Slide 4: Financial Highlights
Financial Highlights PKR Million YTD 3Q - Particulars 2006 * 2014 2015 2016 2017 2018 2019 Investments 2,582 84,258 116,030 133,727 169,612 148,690 140,692 Advances 1,693 62,433 76,666 93,794 184,140 251,991 238,393 Total Assets 12,545 176,717 218,476 267,444 391,479 456,754 430,167 Deposits 7,198 1
Slide 5: Financial Highlights - Profit & Loss
Financial Highlights - Profit & Loss PKR Million YTD Q3-19 YTD Q3-18 Change Net Interest Income The Bank’s core interest income grew due Interest Income 30,259 21,613 40.0% to enhanced focus on core businesses i.e. Retail and Institutional banking. This Interest Expenses -24,974 -14,969 66.8% growth
Slide 6: Financial Highlights - Balance Sheet
Financial Highlights - Balance Sheet PKR Million YTD 3Q-2019 2018 Change The Bank continued its proactive strategy Investments 140,692 148,690 -5.38% of enhancing its exposure in advances, with special emphasis on Agriculture, Advances 238,393 251,991 -5.40% Small and Medium Enterprise (SME) lending
Slide 7: Graphical Analysis
Graphical Analysis PKR Million Deposits Advances 300,000 400,000 251,991 321,413 327,064 250,000 238,393 300,000 290,078 200,000 184,140 226,099 200,000 150,000 141,840 108,740 93,794 100,000 76,666 100,000 62,433 50,000 0 2014 2015 2016 2017 2018 3Q 2019 - 2014 2015 2016 2017 2018 3Q - 2019 NPL Vs.
Slide 8: Graphical Analysis
Graphical Analysis PKR Million Earning Assets Advances to Deposits Ratio 450,000 100% 402,618 380,314 356,867 78% 73% 75% 300,000 63% 238,855 57% 54% 196,277 50% 41% 157,771 150,000 25% - 0% 2014 2015 2016 2017 2018 YTD 3Q- 2019 2014 2015 2016 2017 2018 YTD 3Q - 2019 CASA Trend Fee Income 250,000 3,
Slide 9: Products & Services
Products & Services Product Timeline •Deployment of Global •Auto Loans •Call Center (Outsourced) •IBFT on ATMs Correspondent Banking •Deployment of Core •Bancassurance •Home Remittances Network Banking System •Launch of Commercial (Temenos, T24) Banking JS Bank provides services in the 2007 2008 200
Slide 10: Branch Network
Branch Network 345 Branches • 344 Branches across the country in around 171 cities • 01 Bahrain Branch 360 * 345 323 307 277 238 211 185 180 * 172 161 147 152 138 126 122 112 101 100 79 67 49 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Branches Cities * 360 branches in 180 cities expected
Slide 11: Awards
Awards Best Environmental, Social & Governance Bank Pakistan Banking Awards 2017 Best Payment Technology/Solution Provider DIGI Awards 2019 Pakistan’s Best Mid-sized Retail Bank Asian Banking & Finance Awards 2019 Pakistan’s Best Consumer Finance Product Asian Banking & Finance Awards 2019 Pakistan’
Slide 12: Major Initiatives
Major Initiatives Small & Medium Enterprises Solar Financing JS Bank, Pakistan’s 3rd largest SME lender, will JS Bank is one of Pakistan’s leading providers of continue to expand its SME program and solar financing for agricultural, home and business lending solutions to cater to a variety of SME ne
Slide 13: Environmental, Social and Governance (ESG)
Environmental, Social and Governance (ESG) Diversity & Inclusion Environmental & Social We are making efforts to be a more Transforming lives by diverse and equal opportunity employer helping customers Growth and diversity move towards financial Our Employees 5,113 sustainability through Employee s
Slide 14: Questions & Answers
on ——————————————————————————e—e—eeeeerererrrrrrrrrrrrrrtrtsts—<C:S®stS:sC(‘iéiag, — 4JS BANK 4 Questions & Answers Page 14