SWOT

PEST & FINANCIAL

ANALYSIS
OF

Presented By
Syed ToHeed Ali [Mi17MBA016]
Akhtar Hassan Gillani [Mi17MBA046]
Ghulam Raza [Mi17MBA014]
Presented To
Prof. Riaz Ahmed Mian
Bank’s Information
JS Bank was formed in 2006 after the merger of JS Investment Bank
& American Express Bank’s Branches in Pakistan

2016 Was the 10th anniversary of JS Bank

JS Bank Branches Grew From 4 Branches to 307 branch

Covering 152 cities across Pakistan

JS Bank current Credit rating is AA-

“AA-” ratings denote a very low expectation of credit risk & timely payment of
financial commitments

JS Bank is supporting many Government programs such as the

Prime Minister’s Youth Business Loan Program to generate
employment
 Mission statement
To be a preferred partner of our customers by
providing them complete financial solutions exceeding
services expectations.
 Vision Statement
To provide quality and innovative range of banking
services and products to its clients
Board Of Directors
Chairman
Current Chairman of JS Bank is Ali Jahangir Siddique who is
also son of the founder of the JS Bank

CEO/President
The Bank’s operations are currently headed by Mr. Ali Jahangir Siddiqui
Mr. Khalid Imran

Mr. Khalid Imran

Core Functions
Core Functions Of JS Bank Includes

• Retail banking
Retail banking also known as Consumer Banking is the
provision of services by a bank to individual consumers

• Wealth management
Wealth management as an investment-advisory
discipline incorporates financial planning,

• Investment banking
An investment bank is a financial institution that assists individuals, corporations,
and governments in raising financial capital
PRODUCTS
Deposit Products
Kamiyab Business Account

Rupee plus Account

Rupee Current Account

PLS Rupee Saving Account

Rupee Basic Banking Account

Muhib-e-Watan Account

JS Asaan Current Account

JS Platinum Business Account

Loans and Running Finance
JS Bank offers Running Finance and Loan facilities
Such As
JS Gold Finance

JS CarAamad
JS Fauri Finance

JS GharApna

JS Zarkhez Agri Finance

JS Prime Minister Youth Business Loan

JS Zarkhez Agri Finance
Services
JS Bank facilitates its customers with different services
other than deposit & financing products
Western Union Home Remittance

Sale & Encashment of Govt. Of Pakistan Securities

Tele-banking

Utility Bills payment

JS Bank Credit Card

JS Bank Visa Debit Card

 Financial Insights

Balance Sheet 2015 2016 Change

Assets 218.4 Billion 264.7 Billion 21.10%

Liabilities 202.5 Billion 248 Billion 22.46%

Deposits 141.8 Billion 226.09 Billion 59.5%

Advances 76.6 Billion 93.794 Billion 22.44%

Investments 116.03 Billion 133.7 Billion 15.22%

Profit 2.026 Billion 2.077 Billion 2.51%

 Ratio analysis

Ratios RS
Earning Per Share (EPS) PKR 1.94

Price to earning (P/E) PKR 4.12

Book Value (BV) PKR 15.31

PEST Analysis
Political
• Political Instability
• Trade Restrictions
• Changes in interest Rates
Sociocultural factors
• Spending Behavior
• RELIGIOUS FACTORS.
• Culture of using Banking
Products

Technological factors
ECONOMIC • Advanced Computerized System
• Inflation • Growing network of Online Banking
• trade cycle
• Supply & Demand of Credit
SWOT Analysis
SWOT Analysis is a useful technique for understanding
Strengths and Weaknesses, and for identifying both the
Opportunities open to you and the Threats your organization
face. Diversified Products & Services
JS Bank provides a diversified
STRENGHTS range of products & services to
Clear Strategic Plans Ahead all of its customers according to
their needs
During 2016 JS Bank also set a 5-year
strategic plan in place so JS Bank have E-Banking & Branchless
a clear path ahead of them until 2021.
JS Bank has partnered with
Good Credit Ratings network providers and
JS Bank’s long term credit ratings currently stands at t telecom companies to
AA- (Double A minus);
deliver a unique set of
It is the second best credit rating awarded by the state
transactions and services
bank of Pakistan it reflects that the bank is less likely to
through branchless
face liquidity problems.
banking
Weaknesses Global presence
Even though the network of
branches has grown rapidly but
Criminal Cases against Management
still JS bank has only one
JS Bank Management is said to be involved in international branch which is
many white collar crimes such as money located in Manama Bahrain,
laundering, manipulation of stock prices &
insider trading.
Low Salary Packages
Less Branches in Underdeveloped Areas
Jahangir Siddique Bank is giving less
JS Bank branches are only cover the major salary packages to their employees as
areas of the country they have no presence compared to their other peers in the
in most part of the Pakistan industry
 Opportunities

Mobility of Capital from stock Exchange to Fixed deposits Expansion of Branches

Stock exchange is very volatile and uncertain & takes the Jahangir Siddique bank
immediate effect of any news so in time of crises investors is mostly covering only
seeks safe investment opportunities such as fixed deposit. the major cities of

Sharia Complaint Investment products Pakistan it has almost

no existence in
Pakistan is a Muslim majority country so there are a lot
backward areas of
of people who does not invest in fixed deposits
because the Ribah or interest is prohibited in Islamic Pakistan so it still has
sharia law so there is opportunity for JS bank to opportunity to expand
introduce Islamic investment products to get those
investors attracted its network of branches
Threats
Crypto currency Boom
The all crypto-currency have hit the market
capitalization of more than 700 Billion dollars
which is even bigger than some of the
economies.
Recession
In economics, a recession is a business cycle
contraction which results in a general slowdown
in economic activity. Banks growth are directly
related with the growth of the economy
Competition
Competition from NBFC’s (Non-banking financial companies) like
insurance companies & mutual fund companies can affect the business
of banks.
 Conclusion

Due to rapid growth of branches in different areas of

Pakistan and wide range of products JS Bank is likely to
become one of Pakistan’s strong & stable bank and shall
capture the market with its extraordinary customer services
 Recommendations

• Should provide Support to SME to reduce unemployment

• Banks Should Improve recruitment and Retention policy

• Check on Expenditures

• Aggressive Marketing

• Expansion of branches

• Should work on Sharia Compliant investment Products

One Who Asks, Learns
Imam Ali (A.S)

Any Question?