Annual Report 2022

Bank as free as a bird

Pakistan lies on one of the world's busiest migration routes for birds; hence, we witness a diverse range of birds in our skyline all year round. This year, JS Bank is signifying its services with the freedom, diversity, and pace that the birds enjoy. We are all geared up to serve our customers with the financial freedom of choices through hassle-free and round-the-clock banking services, anytimeand anywhere.

Contents

ABOUT JS BANK

  1. Vision
  1. Mission
  1. Company Information
  2. Corporate Values
  1. Code of Conduct

ORGANIZATIONAL OVERVIEW

  1. Operating Structure
  2. Products and Services
  1. Entity Credit Rating
  2. Composition of the Board
  3. Profile of the Board of Directors
  1. Our Presence
  2. Staff Strength
  3. Organizational Structure
  1. Corporate Profile of the Bank
  2. Chairman's Review
  1. Directors' Report

PERFORMANCE AND POSITION

  1. Highlights
  2. Six Years' Financial Summary
  3. Six Years' Vertical Analysis
  4. Six Years' Horizontal Analysis
  5. Six Years' Financial Performance
  1. Graphical Presentation of Financial Statements
  2. Financial Ratios
  3. Direct Method Cash Flow Statement
  4. DuPont Analysis
  5. Economic Value- Added Statement
  6. Summary of Cash Flows
  1. Free Cash Flows
  2. Analysis of Capital Adequacy Ratio
  3. Category of Investments
  4. Non-PerformingLoans
  5. Advances by Segment
  6. Funding Mix
  1. Deposits Breakdown
  2. Quarterly Performance
  3. Markup & Non-Markup Income
  4. Market Share Information
  5. Share Price Sensitivity Analysis
  1. Sensitivity Analysis - Foreign Currency Fluctuations
  2. JS Bank Calendar of Major
    Events - 2022
  3. Value Chain

STRATEGY AND RESOURCE ALLOCATION

78 Strategic Objectives

  1. Strategies in Place and their KPIs
  2. Resource Allocation Plan
  1. Strategy to Overcome Liquidity Problem
  1. Significant Changes from Prior Years
  2. Business Model

IDENTIFICATION AND MITIGATION OF RISKS AND OPPORTUNITIES

86 Risk, Opportunities, and Mitigating

Factors

91 Risk Management Framework

  1. Board's Policies for Risk Management
  1. Risk Governance Structure
  1. Inadequacy in the Capital Structure and Plans to Address such Inadequacy
  1. Information about Default in Payment of any Debts and Reasons Thereof

CORPORATE GOVERNANCE

  1. Role and Responsibilities of the Board
  1. Sub-Committeesof the Board
  1. Annual Evaluation of the Board's Performance
  1. Role and Responsibilities of the Chairman
  2. Role and Responsibilities of the
    President & CEO

95 Board's Performance Evaluation

  1. Formal Orientation Courses for Directors
  1. Directors' Training
  1. Directors' Remuneration
  1. Security Clearance of Foreign Director
  1. Board Meetings Held Outside Pakistan
  1. Policy for Actual and Perceived Conflict of Interest
  2. Investors' grievance policy

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Disclaimer

JS Bank Ltd. published this content on 08 March 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 08 March 2023 10:26:02 UTC.