Introduction of js bank:

JS Group is a financial services group in Pakistan. JS Group controls and operates financial services companies in Pakistan. Financial services of JS Group include asset management,commercial banking, company research, insurance, investment banking, Islamic banking, micro finance, and stock brokerage. JS Group also has investments throughout Pakistan's economy. These investments cover industrial sector, technology & media sectors, commercial real estate, energy & natural resources. JS Group has its headquarter in Karachi.

JS Group

Type

Financial Services Holding Group

Industry

Financial services

Founded

1971

Headquarters 7F, The Forum, Khayaban-e-Jami, Karachi, Pakistan

Area served

Pakistan

Services

Finance and Insurance Asset Management Consumer Banking Corporate Banking Investment Banking Investment Management Private Equity

COMPANY INFORMATION
Full name JS Bank Limited (JS Bank Limited) Headquarters Shaheen Commercial Complex Dr. Ziauddin Ahmed Road P.O. Box 4847 Karachi-74200 Pakistan ; Karachi Status: Listed Legal Form: General Partnership Operational Status: Operational Tel: +92 (21) 111 57 2265

Company description
JS Bank Limited has been formed after the merger and amalgamation of Jahangir Siddiqui Investment Bank Limited and commercial banking operations of American Express Bank Ltd Pakistan. JS Bank Limited commenced operations in Pakistan as a fully scheduled bank on December 30, 2006. JS Bank Limited also has a Primary Dealer license for government securities from the State bank of Pakistan.

Organization of js bank of Pakistan:Karim Sultanali Group Head Corporate & FI Banking

Update Date: 15-Jun-20

Mr. Karim Sultanali holds a Masters Degree in Business Administration from Institute of Business Administration (IBA) Karachi and is also a qualified Chartered Financial Analyst from CFA Institute USA. He is a Diplomaed Associate of Institute of Banker Pakistan responsibility of Head of Corporate Banking. For a brief period he had also worked in Habib Bank Limited as Senior Credit Officer in their International Banking Group. M. Khalil ur Rehman Group Head Operations &CAD
Update Date: 15-Jun-2011

Mr. Khalil ur Rehman is a senior executive with over 30 years of diversified experience in banking (operations and reengineering).
Update Date: 15-Jun-2011

Kamran Jafar Group Head Retail Banking

Update Date: 15-Jun-2011

A seasoned Banker with thirteen years of a proven track record in Banking, Mr. Kamran Jafar began his career with JS Bank in February 2008 as EVP / Regional Head Retail Banking - (North). Muhammad Yousuf Amanullah Chief Financial Officer & Company Secretary
Update Date: 15-Jun-2011

Mr. Muhammad Yousuf Amanullah is a Chartered Accountant from the Institute of Chartered Accountants of Pakistan in 1999 and a Cost and Management Accountant from the Institute of Cost and Management Accountants of Pakistan in 1998. Mamoon Hameed Farooqui Group Head Credit & Risk Management
Update Date: 15-Jun-2011

Mr. Mamoon Hameed Farooqi has 42 years of diversified banking experience and has various banks on his resume, like UBL, BCCI, PICIC Commercial Bank and NIB. Muhammad Iqbal Saifi Group Head Internal Audit & Inspection
Update Date: 15-Jun-2011

Mr. Muhammad Iqbal Saifi did his MBA from IBA in 1968 and also did DAIBP in 1979. Mr. Saifi has 42 years of diversified banking experience and has various banks under his portfolio like Habib Bank, BCCI, Union Bank, PICIC Commercial Bank and Bank Alfalah Vision Statement To provide quality and innovative range of banking services and products to our customers by a highly motivated team of professionals whilst maintaining high ethical and regulatory standards thereby, generating sustainable returns to our shareholders. Mission Statement To be a preferred partner of our customers by providing complete financial solutions exceeding service expectations, though a single relationship via conventional and non conventional, conveniently accessible distribution channels. About js JS Bank Limited has been formed after the merger and amalgamation of Jahangir Siddiqui Investment Bank Limited and commercial banking operations of American Express Bank Ltd Pakistan. JS Bank Limited commenced operations in Pakistan as a fully scheduled bank on December 30, 2006. JS Bank Limited also has a Primary Dealer license for government securities from the State Bank of Pakistan. JS Banks focus is to provide a quality and innovative range of banking services and products. The Banks key activities can be categorized into three Business Units:

Retail and Consumer Banking Treasury Corporate & Commercial Banking Investment Banking

Branches:There are 119 branches of js bank in Pakistan in 30 cities.some branches are given below:
Multan branch:
Sr# Branch Code Branch Name Branch Address Swift Code Branch Manager Phone Fax 1 9014 Abdali Road Branch Jalil Center, Abdali Road Jsblpkka Ali Hasnain Gardezi 614574496 614514366

Muzaffargarh Branch:
1 9560 Muzaffargarh Branch Jhang Road, Muzaffargarh jsblpkka Ghulam Rasool 662424686 662424690

Sr# Branch Code Branch Name Branch Address Swift Code Branch Manager Phone Fax

There are 16 branches of js bank in Lahore.2 branches are given below

Sr# Branch Code Branch Name Branch Address Swift Code Branch Manager Phone Fax

1 9009 Upper Mall Branch 201-A, Upper Mall, Shahrah e Quaid e Azam, P.O.BOX No.249 jsblpkka Agha Naveed Haider 4235776515 4235776531

Sr# Branch Code Branch Name Branch Address Swift Code Branch Manager Phone Fax

2 9008 D.H.A. Branch Plot No. 312, Block Z, Phase III, DHA Lahore Cantt. jsblpkka Aslam Hassan Qureshi 4235692950 4235692960

Different branches are working in Pakistan in different cities for example:

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20.

Kotli Khanewal Karachi Jehlum Islamabad Gojra Gujranwala Faisalabad Hydrabad Moro Attock Burewala Mirpur Gujrat Mardan Taxila Wehari Sialkot Sahewal Sargodha

And Many More

Services of Js bank:
Loans
Term Loans As a traditional activity, JS Bank provides term loans to meet capital expenditure for acquisition of Fixed Assets/expansion of existing activity/swapping existing high cost debt. Working Capital Loans JS Bank offers corporations Working Capital Finance to meet their operating expenses, purchasing inventory, receivables financing, either by direct funding or by issuing letter of credit. Bridge Loans JS Bank provides bridge finance to its corporate clients against expected equity flows/issues. Bank can also extend bridge loans against the expected proceeds of External Commercial Borrowings, Global Depository Receipts and/or funds in the nature of Foreign Direct Investments, provided the borrowing company has already made firm arrangements for raising the aforesaid resources/funds. This facility would be available

Carporate Banking:-

for a period not exceeding 12 months. Advances against Shares In view of the performance of the stock markets of the countries and the demand of financing from the brokers, JS Bank offers short term facilities to brokers and individuals against shares, subject to minimum margin stipulation from time to time. Debt Syndications In many cases, for the large corporation, loan syndication is required because of the shear size of the financing package: major capital expenditure, projects, joint venture or acquisitions requiring the need for significant capital. Because of JS Banks relationship with major banks, we can arrange and place a syndicate.

Trade Finance
JS Bank offers comprehensive range of Trade services. As a valued client of JS Bank, you will be partnering with a trusted banking institution that is highly respected in the world of international finance and cross border transactions. We offer a wide range of export and import services designed to assist you in building on your strengths, so that your company can seize new business opportunities around the world.

Export Services
Export Financing We provide pre-shipment finance in the form of SBP export refinance scheme (ERF) and from own sources to assist your cash flows when you are manufacturing or packing your goods for export from Pakistan. We provide ERF both in rupees as well as in foreign currency. Export Bill Collection Services Concentrating your Documentary Collection activities with JS Bank, you can eliminate many of your exporting hassles. Not only will your international banking become much more uniform, you can experience fewer delays in receiving payment, effortlessly access collection information details, gain increased control over export receivables and efficient cash flow management. To help speed up your cash flows, JS Bank can purchase/discount your export receivables tied to your export bill collections subject to availability of credit limits. Export Bill Purchase & Discounting Do not worry when your exports are not covered under Letter of credit. Against sanctioned credit limits, we can pay you the discounted value of your invoice, immediately on shipment. The proceeds will be credited to your account if the export documents are presented before cut off time at your JS Bank. Bank Guarantees We issue Bank Guarantees on behalf of our exporters for approved purposes subject to availability of credit limits or against 100% cash margin. Export LC Advising, Confirmation & Negotiation With a correspondent banking relationship across the world, you can always insist that your Letter of credit be advised through JS Bank. Please be assured that your export LC will always reach you on time. This will help you in better logistics management and enhanced accuracy in the preparation of documents. With our expertise, we can explain complex LC terms to you and your staff. When you are not comfortable with the credit standing of an LC opening bank or if you are worried about the political climate or credit risk of the buyer's country, we are there to assist you with our LC confirmation services. Once we add our confirmation to the LC, you are assured of payment, subject to non-discrepant documents, irrespective of non-payment by LC opening bank. With JS Bank's confirmation services, you can eliminate the foreign bank and country risks from your export collections.

Import Services
Import Letters of Credit We issue Import Letters of Credit on your behalf that give you the advantage with your suppliers. Our experts can advise you in drafting the LC terms and conditions so as to protect your interests. Arranging for Buyers & Suppliers Credit To take care of your working capital requirements, JS Bank offers foreign currency loans (FE 25) and Rupee loans to finance your imports. Bank Guarantees We issue Bank Guarantees on behalf of Importers for all approved purposes, subject to availability of credit limits or against 100% cash margin.

Investment Banking

JS Banks investment banking group has been the pioneer of numerous landmark transactions brought to the domestic capital markets. The groups legacy dates back to the 90s through a closely held partnership with the then eminent Bear Stearns. More recently, the investment banking group has been an advisor and arranger to Pakistans first ever local currency Islamic Sukuk First ever subordinated TFC issue in Pakistan First 10 year corporate bond First TFC issue with a conversion option First perpetual bond First commercial paper First floating rate TFC issues

Products and Services

Under the investment banking umbrella, our range of activities include corporate debt origination and syndication, underwriting, coordinating as bankers to the issue, and facilitating trusteeship and agency services. Corporate Finance Advisory The Investment Banking Group provides a comprehensive range of Corporate Finance Advisory services in the Debt Capital Markets, including Mergers and Acquisitions and Project Finance Advisory. Arrangement and Placement of Securities The Investment Banking Groups distribution team is one of the markets leading corporate debt arrangers through a variety of structured and vanilla Term Finance Certificates as well as Shariah-compliant product offerings. Trust and Security Services A dedicated team manages and monitors various aspects of trust and security services, including acting in the capacity of a trustee or/and an agent to various corporate debt offerings and playing an active role in structuring and maintaining special purpose accounts. Underwriting We have substantial underwriting appetite for handling large capital market issues, both at Private Placement (Pre-IPO) and Initial Public Offer (IPO) stages. Till date, we have underwritten majority of the issues brought to the local markets of Pakistan. Bankers to the issue We act as Bankers to the Issue for IPO transactions, in both equity as well as debt capital markets. Despite a limited, albeit a rapidly growing, network of branches, this is a substantial business for JS Bank through a pro-active initiative in actively marketing Public Offers.

Closed Transaction Archive

Our transaction archive can be accessed to view a selection of successfully closed deals.

Year Client 2008 Pak American Fertilizer Limited 2008 Pakistan Mobile Communications Limited (Mobilink) 2008 OBS Pakistan Private Limited 2008 Pak American Fertilizer Limited 2007 Karachi Shipyard and Engineering Works Limited 2007 Pakistan Mobile Communications Limited (Mobilink) 2007 Azgard9 Limited 2007 Al Abbas Sugar Mills Limited

Type of Financing Privately Placed Term Finance Certificates III and Syndication Listed Unsecured Term Finance Certificates Acquisition Finance and Syndication Privately Placed Term Finance Certificates II and Syndication Government Guaranteed Sukuk Short Term Privately Placed Term Finance Certificates Privately Placed Term Finance Certificates Privately Placed Term Finance Certificates

Amount 1 billion 4.256 billion

Role Joint Advisor & Arranger Joint Advisor & Arranger

570 million Joint Advisor & Arranger 6.9 billion 4.2 billion 2.5 billion 2.5 billion Joint Lead Arranger Joint Advisor & Arranger Joint Advisor & Arranger Joint Lead Arranger

750 million Joint Lead Arranger 1.1 billion 1.5 billion Joint Advisor & Arranger Joint Lead Arranger

2007 Sitara Chemicals Industries Limited Diminishing Musharaka Sukuk 2007 Pak American Fertilizer Limited Privately Placed Term Finance

Certificates 2007 First Dawood Investment Bank Limited 2007 Engro Chemical Pakistan Limited 2007 Optimus (Hertz) 2007 KASB Securities 2007 Jahangir Siddiqui & Co. Ltd. 2006 Allied Bank Limited 2006 Jahangir Siddiqui & Co. Ltd. 2006 United Bank Limited 2006 Azgard9 Limited 2006 Worldcall Telecom Limited 2006 Pakistan Mobile Communications Limited (Mobilink) 2006 Water and Power Development Authority (WAPDA) 2005 Jahangir Siddiqui & Co. Ltd. 2005 Azgard9 Limited Privately Placed Term Finance Certificates Listed Term Finance Certificates Privately Placed Term Finance Certificates Privately Placed Term Finance Certificates Privately Placed Term Finance Certificates Listed Term Finance Certificates Listed Term Finance Certificates Listed Term Finance Certificates Acquisition Financing Privately Placed Term Finance Certificates Listed Term Finance Certificates Listed Term Finance Certificates Government Guaranteed Sukuk Listed Term Finance Certificates Convertible Listed Term Finance Certificates Listed Term Finance Certificates Privately Placed Term Finance Certificates I and II Privately Placed Term Finance Certificates Privately Placed Term Finance Certificates Listed Term Finance Certificates Listed Term Finance Certificates 345 million Exclusive Advisor & Arranger 4 billion Joint Advisor & Arranger

500 million Exclusive Advisor & Arranger 500 million Exclusive Advisor & Arranger 1.25 billion Exclusive Advisor & Arranger 2.5 billion 1.1 billion 2 billion 11.906 billion Joint Lead Advisor & Arranger Exclusive Advisor & Arranger Joint Lead Advisor & Arranger Advisor & Arranger

350 million Exclusive Advisor & Arranger 3.261 billion 8 billion Joint Advisor & Arranger Joint Arranger

500 million Exclusive Advisor & Arranger 2.4 billion Lead Advisor & Arranger Joint Lead Advisor & Arranger

2005 United Bank Limited 2004 The Resource Group

2 billion

1.35 billion Advisor & Arranger

2003 Pakistan Mobile Communications Limited (Mobilink) 2003 Al Abbas Sugar Mills Limited 2002 Muslim Commercial Bank Limited 2002 Sui Southern Gas Company

2.5 billion

Joint Advisor & Arranger

350 million Exclusive Advisor & Arranger 1.6 billion Joint Advisor & Arranger

1.25 billion Joint Advisor & Arranger

Treasury:Fixed Income - Corporate Debt Market

JS Banks Treasury provides access to best deals coming to market, given the fact that JS Banks Investment Banking team is a leader in the Corporate debt origination. JS Bank maintains an active trading desk in the secondary corporate debt market thus is able to provide competitive bid / offer quotes in all liquid corporate debt.

Foreign Exchange

JS Bank Ltd is an active player in the interbank market and provides competitive prices in all major currencies. It is an institution of choice amongst importers and exporters, by providing superior treasury products to its clients and assisting them in covering their currency exposures & risks. Our dynamic corporate and institutional sales and trading teams provide up-to-date market intelligence, advice and timely execution of deals to our customers throughout the trading day. Whether the transaction is Local Currency (USD/PKR) based or Global Currency FX Spot We provide best in class pricing for all trade (import & export), remittances & travelers cheque transactions, whether it is USD/PKR or other Global currencies. FX Forward Being an active player in the market, the customer can hedge all their FX exposures at aggressive pricing in domestic & international currencies.

JS Bank Treasury
JS Banks Treasury has evolved as an active player in the Financial Market. The Treasury seeks to do this by becoming the risk solutions provider of choice, offering quality treasury products, and being the leader in product innovation. JS Bank Ltd is a One Stop Solution to all your financial needs, whether it pertains to Foreign Exchange, Fixed Income (GoP, Corporate Debt), Mutual Funds & Money Market (Deposit or Loan) transactions.

Wealth Management
At JS Wealth Management, we strive to combine the best of both worlds for you independent, personalized products and services with our financial strength and resources to provide a complete range of wealth-building solutions, most appropriate to your individuals.S As part of our Wealth Management Services, our product lines are divided into the following: 1. 2. Bancassurance Mutual Funds

Financial services:Asset management:-

Founded in 1995, JS Investments Limited (JSIL) is the oldest and one of the largest asset management companies in Pakistan with assets under management spread across various mutual funds, pension funds and separately managed accounts. JSIL's successful track record, creative and diverse thinking and product offering has helped set the asset management industry standards in Pakistan by always endeavoring to innovate and to be the first to bring new financial products to Pakistan, providing investors to better manage their wealth. JSIL is listed on the KSE and is a part of JS Group, and the founding partners include INVESCO PLC - one of the world's largest fund managers with global reach and International Finance Corporation (IFC) - the private sector arm of the World Bank Group. JSIL has an experienced in-house research team that regularly monitors capital market developments to highlight good investment opportunities. JSIL currently has a product portfolio of 14 funds which includes 10 openend, 2 close-end funds and 2 pension funds.

Commercial banking:JS Groups commercial banking activities are housed within JS Bank Limited (JSBL) which offers a quality and innovative range of commercial banking products and services and complete financial solutions to its clients, including:

Depository products providing attractive returns to clients. These include savings accounts, current accounts, daily profit accounts,

trader/businessmen accounts and term deposits

Money Transfer services (demand drafts, pay-orders, online transfer, SWIFT etc.), American Express Travellers Cheques and Western Union Money Transfer Services ATMs, Debit Cards and Tele-banking Short & Long Term Lending Fixed Income and Money Market Sales Underwriting & Debt Syndications

JS Bank is the result of an amalgamation of Jahangir Siddiqui Investment Bank limited (JS Groups existing commercial banking business) and American Express Banks Limiteds Pakistan operations. State Bank of Pakistan approval for the amalgamation was received on December 302006.

Company Research JS Group's research team is housed within JS Global Capital (JSGCL) (formerly Jahangir Siddiqui Capital Markets Ltd), which is a market-leader in the equity, fixed income and foreign exchange brokerage markets in Pakistan.

In 2004 and 2006, JSGCL was the winner of Asiamoney's 'Best Equity House' and in 2004 declared as 'Best Bond House' for Pakistan. In 2005, the CFA Association of Pakistan voted JSGCL 'Best Equity Brokerage House'.

JS Research currently provides active coverage on 47 companies, representing more than 85% of the KSE-100 Index. It has also, since 1991, been the exclusive provider of research and data on Pakistan to Standard & Poors Emerging Markets database and provides research to Bloomberg (type JSCL GO).

JS Research products include:

Morning Briefing (a daily product) Market Statistics (a daily product) Weekly Review Valuation Snapshot (a monthly product) Detailed company and sector reports (as required) Economic and budget analyses (as required)

Private Equity Driven by the governments commitment to economic liberalisation, Pakistan is forecast to continue growing at around 7% per annum, exceeding the Asian average. In 2006, JS Group launched JS Private Equity Fund I; Pakistans first private equity fund targeting highquality expansion capital and buyout investment opportunities within sector-leading companies in Pakistan.

The Fund - JSPE Fund

Sponsored by JS group, investing US$20 million, with US$1 million from the Fund Partners Target returns 30-40% net of fees and expenses

JS Group The Fund Sponsor

One of Pakistans leading financial services groups

o o o o o o o o o o

Largest private sector asset management company Largest fixed income and currency brokerage busine Conventional and separate Islamic banking businesses

A history of successful international partnerships Allianz (insurance) International Finance Corporation (asset management) Experian (credit bureau) Bear Stearns (investment banking)

Pakistans largest and most successful private equity investor 24 private equity investments over a 10+ year horizon A partner team that has worked together for over 10 years and has a depth of experience across the private equity life cycle A delivered US$ 10-year IRR of 55% on Pakistan private equity

Key reasons to invest in Pakistan

Strong macroeconomic performance 8.4% GDP growth in 2004/05, 6.6% in 2005/06 and 6-8% medium-term growth forecast by Asian Development and World Comparative cost advantage and reduction in trade barriers

Investment Strategy

Established companies, privately held or PIPE investments Expansion capital: comparative cost advantage, pent up domestic demand, deregulating sectors Buyout capital: sector consolidations, family owned companies facing succession issues, privatised company spin offs,

Islamic Banking & Finance JS Group launched Islamic banking and finance services by establishing a premier Islamic commercial bank under the brand of Bank Islami in 2006. Pakistan represents a growing market for Shariah-compliant Islamic banking and finance services.

The Shariah Supervisory Board of Bank Islami comprises:

Justice (Retd.) Muhammad Taqi Usmani - Chairman Prof. Dr. Fazlur Rahman- Member Mufti Irshad Ahmad Aijaz -Shariah Adviser & Member

JS Financial
JS Financial is the oldest business of the JS Group and remains at its core. It operates through a number of market-leading companies:

Jahangir Siddiqui & Co. Ltd. (JS&Co)

JS&Co is one of the largest investment firms in Pakistan and heads a diversified financial services group. JS&Co has a tradition of leadership and excellence. It was Pakistans first securities firm with a Wall Street pedigree through its joint venture with Bear Stearns & Co.

JS&Co is rated AA (long term) and A1+ (short term) by the Pakistan Credit Rating Agency and issued Pakistans longest-dated (10-year) corporate bond.

JS Global Capital Limited (JSGCL)

JS Global Capital Limited (formerly, Jahangir Siddiqui Capital Markets Ltd.) is one of the leading investment banking and securities firms in Pakistan. Global Investment house KSCC, the leading investment bank in the Middle East is a 43% shareholder of the company. The principal activities of JSGCL are:

Equity, Fixed Income and Foreign Exchange Brokerage Fixed Income and Money Market Sales Equity Sales and Investment Advisory Corporate Finance Advisory Research

JSGCL is rated AA (long term) and A1+ (short term) by the Pakistan Credit Rating Agency.

JS Bank Limited (JSBL)

JS Bank Limited has been formed subsequent to the merger and amalgamation of Jahangir Siddiqui Investment Bank Limited and American Express Bank Limiteds Pakistan branches. JSBLs focus is to provide a quality and innovative range of banking services and products. The Banks key activities can be categorised into three Business Units:

Retail and Consumer Banking Treasury, Fixed Income and Debt Syndications Corporate and Commercial Banking

JS Bank Limited also has a Primary Dealer license for government securities from the State Bank of Pakistan.

Pakistan Insurance The EFU Insurance Group

JS Group is the second-largest shareholder in the EFU Insurance Group, Pakistans largest insurance group.

EFU Insurance Group was established in 1932 as the Eastern Federal Union Insurance Company and grew to become the largest life assurance company in Asia (ex-Japan) from 1961. In 1972, the life assurance business was nationalised but EFU continued as a general insurance company. Today, it is Pakistans second-largest general insurer.

EFU General Insurance

EFU General is engaged in the general insurance business comprising of fire, marine, motor and engineering insurance. The shares of the company are quoted on the Karachi and Lahore Stock Exchanges. The principal place of business is located at EFU House-Karachi with over 72 branches throughout the country.
Securities Brokerage
JS Group's securities brokerage business is run through JS Global Capital Limited (JSGCL). JSGCL is a market-leader in Pakistan's equity, fixed income and foreign exchange brokerage markets.

In 2004 and 2006, JSGCL was the winner of Asiamoney's 'Best Equity House'. In 2004 Asiamoney magazine also declared JSGCL 'Best Bond House' for Pakistan. In 2005, the CFA Association of Pakistan voted JSGCL 'Best Equity Brokerage House'.

JSGCL is one of the largest securities brokerage firms in Pakistan by volume and team size and serves more than 1,000 clients, both local and foreign.

Js transportation services:JS Transportation has, to date, focussed on the aviation business within Pakistan. JS Aviation was another division of the group set up in 2005. The company offered charter services in Pakistan under the name JS Air, using a small fleet of propeller driven Beech aircraft with a maximum capacity for 20 odd passengers.

International operations of js bank:The group has offices throughout the major cities in Pakistan and manages its international operations from its London and Dubai offices. The group comprises businesses with over 23000 employees and profit after tax of $510 million in 2007

Partnership of js bank with other organizations:JS Group has grown over the last four decades partly by forging successful partnerships with international, world-class organizations and brands to develop new businesses in Pakistan. Examples of JS Group partnerships in Pakistan include: Allianz Insurance Dubai Bank Islamic Banking Global Investment House Securities Brokerage International Finance Corporation Asset Management Ulker Food

Js industrial:Investment in Pakistan Industry

As Pakistans macroeconomic performance continues to improve, Pakistan industry has gone through steady expansion in its capital investment base and production capacity in the last five years. Given Pakistans comparatively small industrial base, the investments across many industrial sectors is significant. There are several industrial sectors which we believe offer particulary attractive investment opportunities. Pakistans companies are becoming increasingly global in outlook. Through exploiting Pakistans comparative cost advantages in certain sectors, these businesses are able to drive significant and sustainable growth. In some areas of the economy, Pakistan has a high standard of infrastructure for an emerging market economy. However, there are a number of infrastructure bottlenecks which provide exciting development opportunities as Pakistans economic performance continues to accelerate. js investment in industrial sector:JS Group investments in Pakistans industrial sector include:
Al Abbas Industries steel, chemicals and fibre board

This business was established in 2002 to develop three buildings materials projects. The companys fibre board plant is Pakistans largest producer of Medium Density Fibre (MDF) boards.

Al Abbas Sugar Mills sugar and ethanol In 1991, JS invested in this leading sugar and ethanol producer. Azgard 9 composite denim . JS has been the second largest shareholder in Azgard 9 for more than two decades.

Pakistan International Container Terminals (PICT) port operations and container handl.e

TYPES OF ACCOUNTS IN JS BANKS:

Kamiyab Business Account Rupee Plus Account Rupee Current Account PLS Rupee Saving Account Rupee Basic Banking Account Rupee Fixed Deposits Foreign Currency Account Loans & Running Finance Western Union Home Remittance Sale & Encashment of Govt. Of Pakistan Securities Countrywide Account Operation Tele-banking SWIFT transfer Utility Bills Payment 9 to 5 Non-stop banking Service Standards

JS Bank launches Visa Debit Card 23 May 2011 JS Bank Limited, one of the fastest growing banks in Pakistan announced the launch of its JS Bank Visa Debit Card in a ceremony held at JS Bank head office, Karachi. Mr. Kalim ur Rahman, President & CEO, and Mr. Kamran Jafar, Group Head Retail Banking, were present to mark the achievement of this significant milestone along with the senior management of the Bank.
Launching JS Bank VISA Debit Card gives our customers the flexibility to shop at over 54,000 merchants in Pakistan and over 22 million VISA merchants worldwide. Furthermore JS Bank customers can enjoy increased security and accessibility to cash 24/7 through extensive ATM network nationwide and over 1.6 million ATMs worldwide. The Bank now has an online network of more than 130 branches in 67 cities across Pakistan.

Exchange rates of js bank:Effective Date: April, 20-2012

Currency Name European Euro Japanese Yen Pound Sterling US Dollar

Currency Code EUR JPY GBP USD

Buying Rate 118.4781 1.1072 144.8679 90.5000

Selling Rate 118.7399 1.1096 145.1880 90.7000

Ratio analysis of js bank:RATIOS: 2006 2007 2008 2009

EARNINGS RATIOS -----------------------------------------------------------------------------Return on Assets (%) Return on Deposits (%) Return on Equity (%) -3.32% -5.79% -13.88% 0.17% 0.26% 0.68% 0.25% -1.81% 0.36% -2.79% 1.04% -10.52%

ASSETS QUALITY RATIOS -----------------------------------------------------------------------------NPL to Advances 6.42% 2.22% 4.70% 7.33%

Provisions to NPLs

0.00%

6.25%

2.63% 40.59%

Non Performing Loans (Rs) 108,699,000 143,604,000 455,504,000 857,059,000 NPLs Growth 32.11% 217.19% 88.16%

MARKET VALUE RATIOS -----------------------------------------------------------------------------Price to Earnings Market Price 0.00 190.59 15.86 144.16 6.00 -6.12

17.15

-----------------------------------------------------------------------------DEBT MANAGEMENT RATIOS -----------------------------------------------------------------------------Debt to equity Deposit times capital Debt to asset 0.76 3.18 2.91 2.40 0.74 3.10 2.63 0.76 4.82 3.77

2.90 0.83

-----------------------------------------------------------------------------LIQUIDITY RATIOS -----------------------------------------------------------------------------Earning assets to assets Advance to deposit Yield on earning assets 56.60% 79.63% 75.02% 75.11%

23.52% 0.03%

47.34% 6.98%

63.42% 54.85% 12.17% 10.23% 8.39% 7.31%

Cost of funding earning assets 0.02%

5.34%

-----------------------------------------------------------------------------SOLVENCY RATIOS -----------------------------------------------------------------------------Equity to assets (%) Equity to deposits (%) 23.94% 41.73% 25.55% 72.15% 24.39% 17.19% 34.50% 26.53%

Earning assets to deposits (%) 98.65% 224.87% 106.08% 115.92% -----------------------------------------------------------------------------

CASA RATIOS ----------------------------------------------------------------------------CASA 57.95% 33.87% 34.48% 49.16%

DISCLAIMER: No reliance should be placed on the [above information] by any one for making any financial, investment and business decision. The [above information] is general in nature and has not been prepared for any specific decision making process. [The newspaper] has not independently verified all of the [above information] and has relied on sources that have been deemed reliable in the past. Accordingly, the newspaper or any its staff or sources of information do not bear any liability or responsibility of any consequences for decisions or actions based on the [above information].