1.

INTRODUCTION
By the emergence of Jahangir Siddiqui Investment and the commercial banking operations of
American Express Bank (Pakistan) Ltd. the JS Bank Limited was formed in 2006. JS Bank
Limited also has a Primary Dealer License for Government Securities from the State Bank of
Pakistan. JS Bank is one of the fastest evolving bank in Pakistan in terms of security progress. JS
bank Ltd. Main activities can be distributed into five expert units namely retail banking, wealth
Management, cooperate banking, Investment banking and treasury. In 2009 from 100 branches,
JS Bank has developed quickly to 307 branches in 152 cities in Pakistan. JS bank Limited has
now been licensed for WWF's Green Office Initiative and the first commercial bank in Pakistan
to achieve this certification.

The aim of this Creativity is to decrease greenhouse gas emissions and to reduction the
ecological footprint at the workplace through many initiatives such as decreasing electricity
consumption and paper waste. As a part of the certification process, numerous stickers
promoting globally friendly practices have been placed around the office such as those helping
car-pooling and making sure that the lights are turned off when not in use. A consumer tradition
survey was also conducted to learn more about employee’s behaviors and how they can be
improved. On April 4, 2017 JS Bank and EFU General Insurance Limited have signed an
agreement for the sale and distribution of exclusive insurance solution, covering ATM cash
withdrawals and accidental death during grapping incident. In 2010-11 JS Bank Limited won the
first award for the primary dealer for Financial. In July 09, 2013 JS Bank has create a tree
plantation campaign at Jinnah International Airport Karachi partnership with World Wide Fund
(WWF) to bring additional shade and relief for its customers. It is JS Bank's belief that trees are
our general asset and must be secure at all costs as they play a dynamic role in maintaining
ecological balance, keeping the atmosphere clean and induce rainfall The State Bank of Pakistan,
2nd year in a row confirmed JS Bank in 2011-12 become Number 1 Primary Dealer of
Government Securities.
 1.1. JS Bank Taxila Branch Employees

Branch Manager Mumtaz Khan

Branch Operations Manager Zahid Mirza

UT (Universal Tellers) Zahid Aslam

Cashier Ghufran Ahmed

RM (Relations Manager) Shahab Gul

CRO (Customer Relation Officer) Kiran Shaheen

1.2. Location
JS bank limited is based in Karachi, JS bank currently own 345 branches in 172 cities across the
country as well as and international branch in Manama, Bahrain. This report is about my
internship in JS Bank Faisal Shaheed road Taxila (swift code JSbl PKKA).
 1.3. Vision Statement
To provide excellence and advanced range of banking services and products to our clients
through extremely inspired team of specialists, while maintaining great moral and regulatory
standards, thereby making justifiable returns to our shareholders.
1.4. Mission Statement
To be a favorite partner of our clients by providing whole financial solutions very high service
expectations, and to do so through only link via suitable distribution channels, both conventional
and non-conventional.

1.5. JS Bank Key Achievement

 JS bank Limited has currently been licensed for WWF's Green Office Initiative and is the
first commercial bank in Pakistan to have succeeded this certification. The objective of this
Creativity is to decrease greenhouse gas emissions and to decrease the ecological footprint at
the workstation through many creativities such as decreasing electricity consumption and
paper waste. As a part of the documentation process, many stickers promoting globally
friendly practices have been placed around the office such as those promoting car-pooling
and making sure that the lights are turned off when not in use.

 JS Bank and EFU General Insurance Limited have hired a contract on April 4, 2017 for the
sale and distribution of exclusive insurance solution, covering ATM cash withdrawals and
accidental death during pinching incidents.
2010-11 JS Bank Limited won the first award for the primary dealer for Finance.

 In July 09, 2013 JS Bank has launched a tree plantation campaign at Jinnah International
Airport Karachi in association with World Wide Fund (WWF) to bring additional shade and
relief for its customers and visitors. It is JS Bank's belief that trees are our general asset and
must be secure at all costs as they play a vital role in keeping ecological balance, atmosphere
clean and induce rainfall.
 The State Bank of Pakistan, 2nd year in a row then declared JS Bank as the Number 1
Primary Dealer of Government Securities the year 2011-12
 JS Bank positively converted 100 of its branches to solar energy, running all computers,
servers; ATM and teller by solar energy. The first of these was the Dhoraji branch Karachi in
 2013.The bank continues this creativity in an effort to raise the country battle its ongoing
energy crisis.
 JS Group, under its helpful arm Mehwish & Jahangir Siddiqui Foundation inducted an Art
Gallery at the Alliance Franchise, Karachi to promote Art and Culture within Pakistan. They
uttered interest to continue supporting initiatives and the private sector contribution towards
the improvement of the country through art.
 JS Group has always tried to benefit this country and its citizens through numerous green
initiatives leading to an environmentally ecological planet.
Organizational Hierarchy
 1.6. Products and Services
1.7. Deposit Products in JS
• Business Raabta Current Account in JS

JS Business Raabta Current Account is the world’s first current account designed around for
business wants that offers extraordinary banking benefits backed by a postpaid mobile package
powered by Telenor. What sets JS Business Raabta separately, free mobile connectivity for life
and a telecom package planned completely for customers upon keeping the required monthly
average balance.

JS Business Raabta Current Account is a technologically bigger current account that allows
customers to make the most of banking association. Simply to sustain an average balance of PKR
250,000, and benefit a host of complimentary solutions which satisfy to customer’s business
banking and telecommunication requirements.
• Mobile Packages

JS Bank has discussed a high-end mobile package with, offering unparalleled value to customers.
As long as customers keep a monthly average balance of PKR 250,000, Telenor will provide the
following wonderful benefits completely free.
• Platinum Debit Card is Free

Customers are provided with accessibility and sovereignty of using debit card for shopping, cash,
traveling or feasting needs at millions of retailers and ATMs around the world .With Platinum
Debit Card, customers can enjoy the maximum cash withdrawal and spending limits on their
card. Charges apply if average balance is not met.
• Free Mobile Banking

JS Mobile Banking, Pakistan’s first mobile banking android app, allows customers to enjoy a
true banking practice. It deals a whole range of financial services containing funds transfers,
utility bill payments, mobile bill payments, interbank funds transfers and branch and ATM
locations. The app offers military-grade encryption and 3 dynamic security, building this the
safest banking practice possible. If average balance not meet then charges apply.
• Free Cheque books

JS Bank offer free cheque book maintenance for all Business Raabta Current Account for
monthly average balance requirement. Offer all cheque books Free on maintenance of the
monthly average balance requirement.
• Unlimited Intercity Online Banking

JS Business Raabta Current Account allows clients to conduct transactions everywhere in

Pakistan, free of charge.
• Free Sms Alerts

JS Business Raabta Current Account offers Account holders to enjoy free SMS alerts to keep
them up-to-date with your account transactions.

• E-Statements and Internet Banking

JS Business Raabta Current Account gives clients the facility to conduct financial transactions
and stay in control of their account through JS Bank Internet Banking. Customers can also obtain
E-Statements for their account at a regularity choice, free of charge.
• Privilege Raabta Current Account in JS

JS Privilege Raabta Current Account is the world’s first current account planned around Clients’
needs that offers unique banking benefits backed by a postpaid mobile package powered by
Telenor. What sets JS Privilege Raabta apart is free mobile connectivity for life and a telecom
package planned totally for their customers, upon keeping the required monthly average balance.
JS Privilege Raabta Current Account is a technologically healthier current account that allows
clients to make the most of banking association. Simply maintain an average balance of PKR
250,000, and benefit a host of complimentary solutions.
JS Bank has assigned a high-end mobile package with, offering extraordinary value to
customers. As long as customers keep a monthly average balance of PKR 250,000.
• Platinum Debit Card is Free

Now customers can enjoy the independence of using their debit card for shopping, cash,
traveling or eating needs at millions of retailers and ATMs around the world. With Platinum
Debit Card, clients can enjoy the maximum cash withdrawal and spending limits on card.
• Free Mobile Banking

JS Mobile Banking, Pakistan’s first mobile banking android app, allows consumers to enjoy a
true banking capability. It offers a proper range of financial services as well as funds transfers,
utility bill payments, mobile bill payments, interbank funds transfers and branch and ATM
locations.
• Free Cheque books

JS Privilege Raabta Current Account offers all cheque books Free on maintenance of the
monthly average balance requirement.
• Unlimited Intercity Online Banking

JS Privilege Raabta Current Account allows it customers to conduct transactions anywhere in

Pakistan, free of charge.
• Free SMS Alerts

JS Privilege Raabta Current Account offers consumers free SMS alerts to keep them up-to-date
with account transactions.
• E-Statements and Internet Banking

JS Privilege Raabta Current Account offers account holders the capability to conduct financial
transactions and stay in control of their account through JS Bank Internet Banking.
JS Pearl Raabta Current Account is the world’s first current account planned around the wants of
women. JS bank understand the want of its consumers that they need to stay in touch with their
family and friends as well as banking needs, and JS Bank bring to clients an account that offers
unprecedented banking benefits backed by a postpaid mobile package powered by Telenor.
JS Pearl Raabta Current Account is a technologically greater current account that allows to make
the most of your banking connection. Simply maintain an average balance of PKR 150,000.
• Free Gold Debit Card

JS Bank’s Gold Debit Card gives clients the convenience and independence of using debit card
for shopping, cash, dining needs at millions of retailers and ATMs around the world.
• Free Mobile Banking

JS Mobile Banking, Pakistan’s first mobile banking android app, allows clients to enjoy a true
banking knowledge. It offers a proper range of financial services including funds transfers, utility
bill payments, mobile bill payments, interbank funds transfers and branch and ATM locations.
• Unlimited Intercity Online Banking

JS Pearl Raabta Current Account allows clients to conduct transactions everywhere in Pakistan,
free of charge.
• E-Statements and Internet Banking

Your JS Pearl Raabta Current Account gives consumers the ability to conduct financial
transactions and stay in control of account through JS Bank Internet Banking. No consumers can
also take E-Statements for their account at a frequency of their choice, free of charge.
JS Premier Raabta Current Account is the world’s first current account planned around for
individual needs that offers unprecedented banking welfares backed by a postpaid mobile
package powered by Telenor.
JS Premier Raabta Current Account is a technologically larger current account that allows
Account holders to make the maximum of banking relationship. Simply maintain an average
balance of PKR 150,000.
• Mobile Package

JS Bank has discussed a high-end mobile package with present unprecedented value
to our customers. As long as clients maintain a monthly average balance of PKR 150,000.
Business Raabta current account along these lines:
 Extra Telenor to Telenor minutes charged at Re. 1.4 per minute + tax
 Extra minutes to any other network charged at Re. 1.5 per minute + tax
 Extra SMS messages to be charged at Re. 1 per SMS + tax
 Extra data to be charged at Re. 1.03 per MB + tax
If customer’s average balance is not preserved, client’s monthly telecom bill will be charged
directly to their JS Premier Raabta Current Account. Any amount over and above the monthly
defined telecom package will be charged to the client’s JS Premier Raabta Current Account
regardless of the kept average balance.
On maintenance of the required average balance requirement, clients can enjoy a host of product
benefits:
• Classic Debit Card Free
JS Bank’s Classic Debit Card gives consumers the accessibility and freedom of using debit card
for shopping, traveling or dining necessities at millions of retailers and ATMs around the world.
• Free Mobile Banking

JS Mobile Banking, Pakistan’s first mobile banking android app, allows consumers to enjoy a
true banking skill. It offers a broad range of financial services including funds transfers, utility
bill payments, mobile bill payments, ATM locations.
• Free Cheque books

JS Premier Raabta Current Account suggestions up to 4 cheque books of 25 leaves Free on

maintenance of the monthly average balance requirement.
• Unlimited Intercity Online Banking

JS Premier Raabta Current Account allows clients to conduct transactions everywhere in

Pakistan, free of charge.
• E-Statements and Internet Banking

JS Premier Raabta Current Account clients the skill to conduct financial transactions and stay in
control of their account through JS Bank Internet Banking. Clients can also collect E-Statements
for your account at a regularity of your choice, free of charge.
• Platinum Business Account in JS

It is current account for businessmen. Monthly average balance requirement of Rs. 150,000. It is
non-remunerable account i.e. no profit received on the account.
JS Platinum Business Account maybe opened by Individuals / Sole Proprietorship / Partnership,
primarily for business transaction.
1.8. Transactional Benefits
• Cheque book

Clients can write unlimited cheques for their business transactions. Even if average balance falls
below the condition, one Chequebook of 50 leaves will be providing on monthly basis free of
charge
• Pay Orders

Clients can issue as various pay orders as their business requires free of charge.
• Intercity Online Transaction

Clients can conduct free intercity online transactions for business purposes, regardless of average
balance requirement.

1.9. Convenience Benefits

• VISA Debit Card for Platinum

Free debit card in Issuance of platinum VISA.

• SMS Alerts

Clients can enjoy free SMS Alerts to retain them up-to-date with business transactions.
• Cash Withdrawal through ATM

Clients can withdraw cash from any ATM (1-Link or M-Net) across Pakistan, without any
charge.
• JS Premium Current Account

It is current account. Monthly average balance condition of Rs.100000. It is non-remunerable

account i.e. no profit received on the account. It may be opened by Individuals / Sole
Proprietorship / Joint Accounts.
Customers can:
 ATM Transactions frequently conduct.
 Over-the-counter transactions have limited.
 Payment of bills and services use the deposit accounts.
1.10. Transactional Benefits
• Cheque books

Clients can have first Cheque book of 50 leaves free of charge.

Pay Orders
Clients can issue four pay orders free of charge every month.
• Intercity Online Transaction

Clients can conduct free intercity online transactions for business purposes.
 1.11. Convenience Benefits
• Gold Visa Debit Card

Free issuance of Gold VISA Debit Card.

• Small Locker

Clients are untaken with a small locker free of charge (subject to availability).
Charges are appropriate for above services if average monthly balance in account drop below Rs
100,000.
• Cash Withdrawal through ATM

Cash withdrawals charges from any ATM through Pakistan, will be overturned into the client's
account on daily basis regardless of average balance requirement
• JS Elite Account

JS Elite and JS Elite plus Current Account is an account specially planned to cater to the needs of
both the employer and the employees, a whole banking solution that offers additional perks and
profits along with smooth and capable salary processing. As a JS Elite Consumer, you can enjoy
transactional remunerations, convenience, exceptional service and security of funds, all in one
account. It is absolutely an account for every individual’s needs.
Benefits for the Employer
JS Elite not only streamlines salary payments but also offers the best in class banking abilities to
cater to all banking needs. JS Bank provide well-organized onboarding, salary disbursals and
faithful skilled relationship managers guarantee that clients are offered banking services that are
a class apart.
1.12. JS Elite Current Account Holders Benefits
• VISA Debit Card

Free Issuance of Classic VISA Debit Card.

• Cash Withdrawals through ATM

On cash withdrawals charges from any ATM across Pakistan, will be overturned into the
habitué's account on daily basis regardless of average balance requirement.
Elite consumers can enjoy with Free IBFT service.
• SMS Alerts

Enjoy free SMS Alerts to keep them up-to-date with business transactions.
• Insurance on Cash Withdrawal

JS Elite Account holders are providing with security for cash withdrawals made everywhere in
Pakistan, through a JS Bank or any ATM in Pakistan. This attention has been planned to refund
your losses from a grabbing or holdup upon cash withdrawal. You are covered for cash
withdrawals up to a total of Rs. 50,000 per year.
Cash Withdrawal Insurance is effective as long as you inform the Bank within 30 minutes of the
grabbing, and is limited to 500 meters’ radius of the branch or ATM.
• Insurance for Mobile Snatching

All Elite clients can covered up to Rs. 20,000 for mobile grabbing Insurance.
The mobile insurance is claimable once a year provided you inform the Bank within 30 minutes
of the grabbing.
• Insurance for Wallet Snatching

JS Elite Account also provides coverage in the event of wallet snatching, to cover for re-issuance
of vital documents such as driving license and CNIC, for up to Rs. 5,000.
Wallet insurance is claimable once a year, on condition that customer inform the Bank within 30
minutes.
1.13. JS Elite plus Current Account Holders Benefits
• Debit Card for Visa

Free issuance of Gold VISA Debit Card.

• ATM Withdrawals

Charges on money withdrawals from any ATM across Pakistan, will be reversed into the client's
account on daily without average balance requirement.
• Inter Bank Funds Transfer

Client of elite can enjoy with Free IBFT service.

• SMS Alerts

JS Elite Plus clients can also enjoy free SMS Alerts to retain them up-to-date with business
transactions.
• Pay Orders

Clients can issue pay orders free of charge

• Mobile App

All your banking transactions done at the one click of anytime anywhere.
• Insurance Cash Withdrawal

Elite plus Account provides Account holder security for money withdrawals made everywhere in
Pakistan, through a JS Bank or any ATM in Pakistan. This treatment has been designed to refund
your losses from a grabbing or theft upon money withdrawal. You are covered for money
withdrawals up to a total of Rs. 50,000.
Money Withdrawal Insurance is legal as long as you inform the Bank within 30 minutes of the
grabbing, and is limited to 500 meters’ area of the branch or ATM where the withdrawal was
done.
• Snatching Insurance for Mobile

JS Elite Plus clients are covered up to Rs. 20,000 for mobile snatching Insurance. The
Mobile insurance is claim for demand once a year, you inform the Bank within 30 minutes.
The Rupee Current Account mostly targets individuals and companies that have a great turnover
of cheques. Rupee Current Account has no initial balance requirement. There are no online
charges. Non-turnover based account and no minimum balance is necessary.
Moreover, if an average monthly balance of PKR 100,000 is sustained in the Rupee Current
Account, the following services would be completely free of charge:
 Online funds transfer Inter-city
 Cheque Return (outward)
 Pay Order Issuance and Demand Draft
 Counter Cheques
 Cheque Collection (Local)
 Stop Payment
 Chequebook Issuance (25 leaves)
 Small Locker
  Issuance ATM Card
 Annual Fee Waiver ATM Card
 Postage
 Statement Issuance
Availability of empty lockers at the branch.
Individuals, sole proprietorships and partnership account are Applicable.
• Rupee Travelers Cheque in JS
It is a stress-free to procedure Cheque instrument planned to facilitate transactions in a safe and
smooth way, allowing clients highly flexible in conducting transactions on the move. For clients
who travel a lot within cities of Pakistan.
JS Rupee travelers’ Cheque is valuable for individuals, principally for clients who need money
while travelling within Pakistan to conduct transactions, create payments and save their
payments out of danger
• Targeted towards

 Businessmen
 General public
 Individual travelers
JS Rupee Travelers Cheque is accessible in quantities of Rs. 5000/- and also Rs. 10,000/-
strengthened by many 9 exclusive security features. In order to make it impossible to replicate
Security features, making Travelling Cheque the safest in Pakistan.
• Salient Benefits

 With minimum convention readily available.

 Sense of safety with peace of mind.
 Very easily refundable.
 Most protected.
 Minimum consequences in case of lost or pinched.

1.14. Card Products

• Credit Card of JS Bank

JS Bank offers its clients a Credit Card which enables to shop at millions of locations worldwide
facilitated with incredible discounts offered universally at many channels. JS Bank VISA Credit
 Card suggestions all facilities and many more benefits which would fulfill your credit,
expenditure and lifestyle desires. Your card is accepted at any VISA-accepting channels in
Pakistan and all over the world.
JS Bank Credit Defender gives clients and their family peace of mind and safeguard their need. It
gives 100% coverage beside outstanding and an extra 100% to family, in case of expiry or
accident.
• Process of Repayment

Only fill out the deposit slip at any JS branch and deposit the cheque/money at the cashier
counter or drop it in drop box available in branch. Please confirm your statement about JS Bank
Credit Card number on the slip. This process is done in three working days for same city
clearance and seven working days for out of city clearance.
• JS Supplementary Cards

Now 6 supplementary Credit Cards allotted for your family and friends, and you can specify the
credit border for each card.
• JS Visa Debit Card

JS Bank Visa Debit Card gives clients the suitability and sovereignty of using their card for
shopping directly anywhere they see Visa sign in addition to money withdrawal ability from
ATM at any time. No more disturbing about carrying excess money, cash is safe and always
accessible.
• Remittance Services

Home Remittance facility offered to JS and non-JS Bank consumers. In order to help the flow of
home remittance from non-resident Pakistani living overseas to their relatives and loved ones in
Pakistan, Home Remittance has formed spouses across the world, where the non-resident
Pakistanis can forward funds to their loved ones through the spouse correspondents/Exchange
Firms. This facility is targeted towards one and all, students, individuals, salaried people,
partnerships, sole proprietorship or private companies.
• Receive Cash in Pakistan

To collect cash payment over the counter from any nearest JS Bank branch, client needs to
provide the following information:
 Unique Reference number
  Valid photo ID or CNIC copy
• Cash over Counter

Clients can receive currency from 307branches through 152 cities in Pakistan. Moreover, they
may walk into any Allied Bank and MCB to withdraw their currency through a special plan with
Allied Bank and MCB respectively.
• Settlement of Real Time Gross

Transferred from JS branch to Alfalah branch, like JS branch scans that document and forward to
their head office. JS head Office forward that to Alfalah Head Office which forward to Alfalah
Branch in which the client has account. That branch transfers the deposit to that client's account.
No tax is applied because this is bank's transaction for clients.
JS bank offered remittance service by Western Union and Xpress money.
1.15. Running Finance and Loans
• JS Gold Finance Zarkhez

Zarkhez Gold Finance, suggestions financing against pledge of Gold/ Gold Ornaments to
agriculturists including land owners in Farm and Non-Farm sectors.
• Farm Sector

Crop Supporting as Three Years Turn around Finance capability (RF) for growing crops in the
open field as well as in channels.
(a) Tractor leasing to planters/ cultivators for the time of 3 to 5 years.
(b) Farm Implements, machinery and Technology as facility for a period of 3 to 5 years.
• Non-Farm Sector

(a) Cattle Agriculture (RF) as Three Years Revolving Capability.

(b) Purchase of animals as DF ability for a period of 3 to 5 years.
1.16. JS Agricultural Finance
JS Bank has started its Agricultural Finance Business in 2014 under the name of brand“JS
Zarkhez Agri Finance”. Clients may apply for several agriculture loans through a number of
nominated branches. These branches are sustained by a team of highly skilled and experienced
staff. JS Bank’s Agriculture Finance Teams are in fixed contact with the agronomists to provide
technical guidance at their door step, and facilitate them in availing finance services from the
Bank.
 JS Zarkhez Agri Finance suggestions a diversity of agricultural finance services on easy terms to
all classes of planters including land-less tenants, with an aim to contribute in conference the
challenges of food safety with other stake holders, as a nationwide cause. JS Zarkhez offers the
following finance services in Farm and Non-Farm sectors:
• Farm Sector

(a) Crop Financing as Three Years Spinning Finance ability for growing crops in the
open field as well as in channels.
(b) Tractor Rental to farmers having least land holding of 5 acres in Punjab and 10 acres
in Sindh Provinces for a time of 3 to 5 years.
(c) Farm Contrivance, Machinery & Equipment’s for different agricultural operations as
ability for a time of 3 to 5 years.
• Non-Farm Sector

(a) Poultry Agricultural as Three Years Revolving capacity for control sheds only.
(b) Cattle Farming as Three Years Revolving capacity.
(c) Fish Farming as Three Years Revolving capacity.
(d) Cold Storage as Three Years Revolving capacity.
• Auto Financing JS Car Aamad

JS Car Aamad is a chapter-based loan for purchase a new, used and improved automobiles up to
9 years old from the date of launch.
• Features and Benefits

 Stress-free and quickest processing.

 Lowest down payment as short as 10%.
 1-7 years flexible tenure.
 First year insurance supporting.
 Insurance through reliable insurance partner at lowest rates.
 Financing based on fixed rate of 1 year.
 Facility of Co-borrower.
 No hidden duties.
 Funding from Rs. 300,000 to Rs. 50000.
 Chapter 2

My Internship
 2. Work portrayal
Weeks Work Activities
Firstly branch manager introduced me to all the employees that
Week 1 was orientation. Start with filling the deposit slip, remittance
form, demand draft.

Week 2 In this week we learn about the product and services of the bank
that they provided.

Week 3 Learn how to fill the opening account forms.

Week 4 In this week work on Dormant accounts.

Week 5 In this week work with the loan department, fill the booklet for
loan advancement against pledge of gold ornaments.

Week 6 Work with finance department learn about cheques, ATM, Bill
submission work in account department.

2.1. Work Done By Me

I worked as an internee in JS Bank for six weeks that started on 05 august 2019 to 16 September
2019.For the period of my internship there was brilliant and pleasurable atmosphere in Bank. I
knowledgeable so many things from their supervision like how to work in a standard place.

My first day in JS Bank, the manager Mr. Mumtaz Khan Jadoon introduced me to all the staffs in
the bank that was orientation. I learned many things by Sir Mumtaz specially how to work as a
specialized and learned about his obligations and job explanation in the bank at that post. He
was very cooperative and tremendously pleasant. He provided me with all the data that I asked
for and co-operated with me to a great extent. He provided me with notes in the bank's
documentation and brochures that were essential for me to gain much awareness about bank. His
way of coaching and dealing with me was very respectable. Bank Manager Mr. Mumtaz is very
caring and much cooperative. He also shared his specialized awareness about goods and services.
The most important advantage of internship is that I got theoretical experience of the workplace.
I got practical knowledge of working applies related with my field.
I educate the process of account opening of individuals, checked vouchers, issued cheque books
and recorded them, issued ATM cards and saved record of them, learned about different forms of
ATM cards, filled online and deposit slips, filled cheques for clients who did not knew how to
fill up. Also filled the "Funds Transfer Application Form" it is used for Demand Draft, Pay Order
and Account to Account Transfer. It comprehends Transaction Information like Amount in word
and figures, Purpose of sending currency, Money, Mode of payment like Debit Accounts or Cash
or through cheque. After that there is Recipient's detail like Name of beneficiary (The person or
Firm to whom the money is sent) and at the end there is Applicant's detail Name, CNIC number,
Address, Contact number and relationship between receiver and applicant.
I learn about "Account Services Form". This form is used for several purposes.
1. If client wants to know about his account information then there is helping for this,
Account number, Account title, CNIC number, Telephone and Cell number is
compulsory.
2. In case the account of a client is dormant account. Account turn into dormant if the
account owner not used his account for a year or if the bank's management cannot get in
touch with the client or if the account statement sent to the client that has been forwarded
by the bank returns from the address to where it was referred. So in this situation
Account Re-activation form is filled where client has to be come in the bank and Deposit
sum money or copy of his CNIC.
3. If customer wants any kind of Bank certificate, then "Bank Certificate" portion is to be
filled. These certificates include Withholding Tax certificate, Zakat Certificate, Balance
Certificate, A/c maintenance certificate. In this portion address of customer is written and
the duration or dates of the period that certificate is required.
4. Account statement portion is next in this Account number is written and dates.

5. If client has changed contact subtleties, at that point "Contact Detail" partition is filled.
Old address and new address is composed. In the event of progress of telephone number
then old and new one is composed.
6. This structure additionally has divide about counter check and stop installment. Counter
check is Bank's book on which no record number is referenced. At the point when client
needs earnest money and he has neither his check book nor ATM card with him then he
demands Bank to give him a counter check so client can pull back cash from his record.
 One counter check costs Rs. 100. On this check client's name, account number and sum
is composed. What's more, stop installment is for halting any installment again any check
or Demand Draft or Pay Order. This is for wellbeing on the off chance that the client
loses check, at that point he demands bank to stop that installment so on the off chance
that the lost register got with an inappropriate hands. Charges are Rs. 300 for each check
and Rs. 500 for each arrangement of checks.
7. In case the client needs to close his/her record then "Record Closure" partition is filled.
For this reason, explanation behind record conclusion is referenced. Check book must be
submitted to the bank or watches that are not utilized are to be given to the bank so bank
can annihilate them or on the off chance that the checks are not given then client needs to
guarantee the bank that the unused checks are crushed by the client. Additionally notice
every one of the administrations that are to be shut like Internet Banking, SMS Alert, and
Mobile Banking
I found out about the "E-BANKING SERVICES APPLICATION FORM". This structure is for
acquiring VISA DEBIT CARD or for SMS Alerts administration or E-STATEMENT or for
utilizing Internet banking administration for account. For acquiring any of the previously
mentioned administration as a matter of first importance individual data of record holder is
required like Title of record, Mailing address, Account number, Account type (joint or
individual), CNIC number, Mother's family name, Mobile number, E-mail Address.
During my entry level position, I managed numerous clients and that was an extraordinary
encounter to learn:
o How to manage clients.
o How to work under strain for example in times of heavy traffic.
o How to deal with an office.
o My relational abilities were improved.
 Chapter 3
Financial Analysis
 3. Five Year Balance sheet
2019 2018 2017 2016 2015
ASSETS
Cash and balances 25,589,349 32,110,840 17,333,788 15,508,968 11,159,432
with treasury banks
Balances with other 462836 968,575 1,034,266 752,710 583,724
banks-net
Lending’s to 30320540 1,937,347 3,116,199 11,334,414 3,581,329
financial
institutions-net
Investment-net 142568470 148,689,97 169,611,558 133,726,61 116,029,825
4 0
Advances-net 242944509 251,990,91 184,139,582 93,794,134 76,666,180
8
Fixed assets 9692701 6,245,328 5,135,309 4,044,154 4,573,671
Intangible assets 2271360 2,169,877 1,977,512 1,793,027 5,881,502
Deferred tax assets- 8756 287,062 - - -
net
Other assets-net 15588273 12,354,155 9,131,035 6,489,877 -
Assets held for sale 374000 - - - -
469,820,794 456,754,07 391,479,249 267,443,89 218,475,663
6 4
LIABILITIES
Bills payable 3,804,491 3,519,924 3,824,278 2,544,028 1,609,425
Borrowings 54,468,283 96,558,663 64,557,043 10,320,047 54,638,318
Deposits and other 369,789,964 321,413,26 290,077,566 226,098,93 141,840,487
accounts 3 1
Liabilities against
assets subject to - - - - -
finance lease
Subordinated debt 7,494,800 7,496,800 4,998,800 3,000,000 -
Deferred tax - - 796,803 1,205,362 1,695,393
liabilities-net
Other liabilities 16,930,001 12,148,400 10,555,430 7,626,001 2,724,137
452,487,539 441,137,05 374,809,920 250,794,36 202,507,760
0 9
NET ASSETS 17,333,255 15,617,026 16,669,329 16,649,525 15,967,903
REPRESENTED BY
Share capital-net 10,119,242 10,119,242 8,619,242 8,619,242 10,724,643
Preference shares - - 1,500,000 1,500,000 1,500,000
Reserves 1,749,673 1,712,171 1,540,988 1,334,122 918,816
 (Deficit) / surplus 636,700 (1,035,589) 490,279 1,222,820 2,400,753
on revaluation of
assets-net of tax
Unappropriated 4,827,640 4,821,202 4,518,820 3,973,341 2,529,092
profit
17,333,255 15,617,026 16,669,329 16,649,525 15,967,903
Horizontal Analysis of Balance Sheet

Assets 2019 2018 2017 2016 2015

Cash and balances with
treasury banks
229.31% 287.75% 155.33% 138.98% 100%
Balances with other banks
79.29% 165.93% 177.18% 128.95% 100%
Lending’s to financial
institutions
846.63% 54.10% 87.01% 316.49% 100%
Investments –net
122.87% 128.15% 146.18% 115.25% 100%
Advances-net
316.89% 328.69% 240.18% 122.34% 100%
Fixed assets
211.92% 136.55% 112.28% 88.42% 100%
Intangible assets
38.62% 36.89% 33.62% 30.49% 100%
Deferred tax assets-net
- - - - -
Other assets-net
- - - - -
Assets held for sale
- - - - -
Total Assets
215.04% 209.0641% 179.1867% 122.41% 100%

Liabilities
Bills Payable
236.39% 218.71% 237.62% 158.07% 100%
Borrowings
99.69% 176.72% 118.15% 18.89% 100%
Deposits and other accounts
260.71% 226.60% 204.51% 159.40% 100%
Liabilities against assets - - - - -
subject to finance lease
Subordinated loans - - - - -
Deferred tax liabilities - -
47.00% 71.10% 100%
Other liabilities 621.48 445.95 387.48 279.94 100%
Total Liabilities
223.44 217.84 185.08 123.84 100%

Net Assets
108.55 97.80 104.39 104.26 100%
Represented By
Share Capital
94.36% 94.36% 80.37% 80.37% 100%
Preference shares
- - 100% 100% 100%
Reserves
190.43% 186.35% 167.71% 145.20% 100%
Accumulated Profit / losses
190.88% 190.63% 178.67% 157.11% 100%
Surplus /(deficit) on
revaluation of assets-net of tax
26.52% -43.14% 20.42% 50.93% 100%
Total Equity
108.55 97.80 104.39 104.27 100%

Vertical Analysis of balance sheet

Vertical Analysis
  2015 2016 2017 2018 2019
ASSETS
Cash and balances with
treasury banks 69.89% 93.15% 103.99% 205.61% 147.63%
Balances with other banks-net
3.66% 4.52% 6.20% 6.20% 2.67%
Lending’s to financial
institutions-net 22.43% 68.08% 18.69% 12.41% 174.93%
Investment-net
726.64% 803.19% 1017.51% 952.10% 822.51%
Advances-net
480.13% 563.34% 1104.66% 1613.57% 1401.61%
Fixed assets
28.64% 24.29% 30.81% 39.99% 55.92%
Intangible assets
36.83% 10.77% 11.86% 13.89% 13.10%
Deferred tax assets-net
1.84% 0.05%
Other assets-net
38.98% 54.78% 79.11% 89.93%
Assets held for sale
2.16%
 
LIABILITIES
Bills payable
10.08% 15.28% 22.94% 22.54% 21.95%
Borrowings
342.18% 61.98% 387.28% 618.29% 314.24%
Deposits and other accounts
888.28% 1357.99% 1740.19% 2058.10% 2133.41%
Liabilities against assets
subject to finance lease
Subordinated debt
18.02% 29.99% 48.00% 43.24%
Deferred tax liabilities-net
10.62% 7.24% 4.78%
Other liabilities
17.06% 45.80% 63.32% 77.79% 97.67%
 
NET ASSETS
100.00% 100.00% 100.00% 100.00% 100.00%
 
Share capital-net
67.16% 51.77% 51.71% 64.80% 58.38%
Discount on issue of shares
-13.19%
Preference shares
9.39% 9.01% 9.00%
Reserves
5.75% 8.01% 9.24% 10.96% 10.09%
Unappropriated profit
15.84% 23.86% 27.11% 30.87% 27.85%
(Deficit) / surplus on
revaluation of assets-net of tax
15.03% 7.34% 2.94% -6.63% 3.67%
 
100.00% 100.00% 100.00% 100.00% 100.00%

Five Year Income Statement

2019 2018 2017 2016 2015
Mark-up / return / interest earned
41,594,69 29,997,028 20,381,171 15,081,015 15,327,901
9
Mark-up / return / interest expensed
34,566,34 21,187,732 14,139,220 9,353,282 9,738,029
2
Net mark-up / interest 7,028,357 8,809,296 6,241,951 5,727,733 5,589,872
income
Net mark-up / interest 5,376,310 4,773,631
income after provisions
NON MARK-UP INTEREST INCOME
Fee and commission 2,859,942 2,668,923 2,124,308 1,426,594 1,123,880
income
Dividend income 300,497 109,243 166,858 97,703 84,641
Foreign exchange income 963,190 522,181 357,347 312,753 287,859
Income from derivatives- 47,120 165,561 93,711
net
(Loss) / gain on securities- (711,145) (1,434,034) 1,233,675 2,966,474 1,792,036
net
investments classified as (1297) 7312
held-for-trading – net
Other income-net 483,600 108,964 75,441 59,042 (6,022)
Total non-mark-up / 3,943,204 2,140,838 4,051,340 4,861,269 3,289,706
interest income
Total Income 10,971,56 10,950,134 10,293,291 10,237,579 8,063,337
1
NON MARK-UP / INTEREST EXPENSES
Operating expenses 10,791,70 9,956,060 8,256,335 6,748,444 4,824,342
8
Workers’ Welfare Fund 1,065 (165,674) 32,411 -
Other charges 137,643 16,203 13,330 99,199 65,299
Total non-mark-up / 10,930,41 9,806,589 8,302,076 6,847,643 4,889,641
interest expenses 6
Profit before provisions 41,145 1,143,545 1,991,215
Provisions and write offs- 91,930) 238,788 370,651
net
Extraordinary / unusual - - -
items
PROFIT BEFORE 133,075 904,757 1,620,564 3,389,936 3,173,696
TAXATION
Taxation (108,422) (342,419 (647,415) (1,313,320) (1,148,149)
)
PROFIT AFTER 24,653 562,338 973,149 2,076,616 2,025,547
TAXATION
Basic earnings per share 0.0004 0.30 0.74 1.77 1.74

Five year of income statement Horizontal Analysis

  2015 2016 2017 2018 2019
 Mark-up / return / interest earned 100.00% 98.39% 132.97% 195.70% 271.37%

Mark-up / return / interest expensed 100.00% 96.05% 145.20% 217.58% 354.96%

Net mark-up / interest income 100.00% 102.47% 111.67% 157.59% 125.73%

Net mark-up / interest income after provisions 100.00% 112.63%      

NON MARK-UP INTEREST INCOME

Fee and commission income 100.00% 126.93% 189.02% 237.47% 254.47%

Dividend income 100.00% 115.43% 197.14% 129.07% 355.03%

Foreign exchange income 100.00% 108.65% 124.14% 181.40% 334.60%

Income from derivatives-net          

(Loss) / gain on securities-net 100.00% 165.54% 68.84% -80.02% -39.68%

investments classified as held-for-trading - net 100.00% -17.74%      

- -
Other income-net 100.00% 980.44% -1252.76% -1809.43% 8030.55%

Total non mark-up / interest income 100.00% 147.77% 123.15% 65.08% 119.86%
Total Income 100.00% 126.96% 127.66% 135.80% 136.07%
NON MARK-UP / INTEREST EXPENSES

Operating expenses 100.00% 139.88% 171.14% 206.37% 223.69%

Workers’ Welfare Fund          

Other charges 100.00% 151.92% 20.41% 24.81% 210.79%

Total non mark-up / interest expenses 100.00% 140.04% 169.79% 200.56% 223.54%

Profit before provisions          

Provisions and write offs-net          

Extraordinary / unusual items          

PROFIT BEFORE TAXATION 100.00% 106.81% 51.06% 28.51% 4.19%

Taxation 100.00% 114.39% 56.39% 29.82% 9.44%

PROFIT AFTER TAXATION 100.00% 102.52% 48.04% 27.76% 1.22%

Basic earnings per share 100.00% 101.72% 42.53% 17.24% 0.02%

Five Year Income Statement Vertical Analysis

  2015 2016 2017 2018 2019

Mark-up / return / interest earned 190.09% 147.31% 198.00% 273.94% 379.11%

Mark-up / return / interest expensed 120.77% 91.36% 137.36% 193.49% 315.05%

Net mark-up / interest income 69.32% 84.87% 60.64% 80.45% 64.06%

Net mark-up / interest income after provisions 59.20% 52.52%      

NON MARK-UP INTEREST INCOME
Fee and commission income 13.94% 13.93% 20.64% 24.37% 26.07%
Dividend income 1.05% 0.95% 1.62% 1.00% 2.74%

Foreign exchange income 3.57% 3.05% 3.47% 4.77% 8.78%

Income from derivatives-net     0.91% 1.51% 0.43%

(Loss) / gain on securities-net 22.22% 28.98% 11.99% -13.10% -6.48%

investments classified as held-for-trading - net 0.09% -0.01% 0.00% 0.00% 0.00%

Other income-net -0.07% 0.58% 0.73% 1.00% 4.41%

Total non mark-up / interest income 40.80% 47.48% 39.36% 19.55% 35.94%
Total Income 100.00% 100.00% 100.00% 100.00% 100.00%
NON MARK-UP / INTEREST EXPENSES

Operating expenses 59.83% 65.92% 80.21% 90.92% 98.36%

Workers’ Welfare Fund     0.31% -1.51% 0.01%

Other charges 0.81% 0.97% 0.13% 0.15% 1.25%

Total non mark-up / interest expenses 60.64% 66.89% 80.66% 89.56% 99.62%

Profit before provisions     19.34% 10.44% 0.38%

Provisions and write offs-net     3.60% 2.18%  

Extraordinary / unusual items          

PROFIT BEFORE TAXATION 39.36% 33.11% 15.74% 8.26% 1.21%

Taxation -14.24% -12.83% -6.29% -3.13% -0.99%

PROFIT AFTER TAXATION 25.12% 20.28% 9.45% 5.14% 0.22%

Basic earnings per share 0.00% 0.00% 0.00% 0.00% 0.00%

FINANCIAL ANALYSIS

3.1 Financial statement analysis

It is an organized process of analyzing the financial information in the financial statements to

understand and take economic decisions. Financial statements are used to understand evaluate,
assess or judge the result of business activities.

Ratio Analysis
• Liquidity
• Leverage
• Activity
• Profitability

Liquidity Ratio
Liquidity ratios give an idea about an organization’s ability to convert its assets into
cash and pay its current liabilities with that cash.
Current (Capital) Ratio
It shows whether current assets are enough to cover the current liabilities.
CR=Current Assets/Current Liabilities

Year 2015 2016 2017 2018 2019

Current Assets 218475663 267443894 391479249 456754076 469820794
Current Liabilities 202507760 250794369 374809920 441137050 452487539
Current Ratio 1.079 1.066 1.044 1.035 1.038
Cash flow ratio
Cash flow ratio=Cash/Current liabilities
2015 2016 2017 2018 2019
Cash 11,159,432 15,508,968 17,333,788 32,110,840 25,589,349

Current liabilities 202,507,760 250,794,369 374,809,920 441,137,050 452,487,539

Cash Flow Ratio 0.06 0.06 0.05 0.07 0.06
 2. Net working Capital
Net working Capital=Current assets-current liabilities
  2015 2016 2017 2018 2019
Current assets 218475663 267443894 391479249 456754076 469820794
Current liabilities 202507760 250794369 374809920 441137050 452487539
NWC 15967903 16649525 16669329 15617026 17333255
 3. Advances to Deposit Ratio
ADR=Advances Net/Deposits
  2015 2016 2017 2018 2019
Advances Net 76666180 93794134 184139582 251990918 242944509
Deposits 141840487 226098931 290077566 321413263 369789964
ADR 54.05% 41.48% 63.48% 78.40% 65.70%
 4. Debt over assets Ratio
Debt Ratio=Total Debt/Total Assets
  2015 2016 2017 2018 2019
Total Debt 200,898,335 248,250,341 370,985,642 437,617,126 448,683,048
Total Assets 218475663 267443894 391479249 456754076 469820794
Debt Ratio 0.92 0.93 0.95 0.96 0.96
 5. Earning Assets to Total Assets
  2015 2016 2017 2018 2019
Earning Assets 196,277,000 238,855,000 356,867,000 402,618,000  
Total Assets 218,475,663 267,443,894 391,479,249 456,754,076 469,820,794
Earning Assets to Total Assets 89.84% 89.31% 91.16% 88.15%  
 6. Debt to equity ratio
Debt to equity ratio=Total liabilities/total equity
  2015 2016 2017 2018 2019
Total liabilities 202507760 250794369 374809920 441137050 452487539
total equity 15967903 16649525 16669329 15617026 17333255
Debt to equity ratio 12.68 15.06 22.49 28.25 26.11
 7. Total asset turnover ratio
  2015 2016 2017 2018 2019
Net Sales 5589872 5727733 6241951 8809296 7028357
Total assets 218475663 267443894 391479249 456754076 469820794
Total asset turnover ratio 2.56% 2.14% 1.59% 1.93% 1.50%
 Return on investment Ratio
Return on investment Ratio=Net profit after tax/total asset
  2015 2016 2017 2018 2019
Net profit after tax 2025547 2076616 973149 562338 24653
Total assets 218475663 267443894 391479249 456754076 469820794
ROI 0.93% 0.78% 0.25% 0.12% 0.01%
 Basic earning power Ratio
Basic earning power Ratio Ratio=EBIT/Total Assets
  2015 2016 2017 2018 2019
EBIT 3173696 3389936 1620564 904757 133075
Total Assets 218475663 267443894 391479249 456754076 469820794
BEPR 1.45% 1.27% 0.41% 0.20% 0.03%
Total Debt to Total shareholder Equity Ratio
Total Debt to Total shareholder Equity Ratio=Total Debt/Total Equity
  2015 2016 2017 2018 2019
Total Debt 200898335 248250341 370985642 437617126 448683048
Total Equity 15967903 16649525 16669329 15617026 17333255
Total Debt to Total shareholder Equity Ratio 12.58 14.91 22.26 28.02 25.89
Interest Coverage Ratio
Interest Coverage Ratio=EBIT/Interest expense
  2015 2016 2017 2018 2019
EBIT 3173696 3389936 1620564 904757 133075
Interest Expense 4889641 6847643 8302076 9806589 10930416
Interest Coverage Ratio 0.65 0.50 0.20 0.09 0.01
Return on Equity Ratio
Net Profit after Tax/Total Equity
  2015 2016 2017 2018 2019
Netprofit after tax 2025547 2076616 973149 562338 24653
Total Equity 15967903 16649525 16669329 15617026 17333255
Return on Equity Ratio 12.69% 12.47% 5.84% 3.60% 0.14%
Fixed Asset turnover ratio
Fixed Asset turnover ratio=Net Sales/Fixed Assets
2015 2016 2017 2018 2019
Net Sales 5589872 5727733 6241951 8809296 7028357
Fixed Assets 4573671 4044154 5135309 6245328 9692701
Fixed Asset turnover ratio 1.22 1.42 1.22 1.41 0.73
Total asset turnover in day’s ratio
Total asset turnover in days ratio=365/Total asset turnover
  2015 2016 2017 2018 2019
Total asset turnover ratio 0.03 0.02 0.02 0.02 0.01
Total asset turnover in days ratio 14265.73 17042.87 22891.87 18924.92 24398.96
Net Profit Ratio
Net Profit Ratio=Net Sales/Net Profit after Tax

2015 2016 2017 2018 2019

Net Sales 5589872 5727733 6241951 8809296 7028357
Netprofit after tax 2025547 2076616 973149 562338 24653
Net Profit Ratio 2.76 2.76 6.41 15.67 285.09
Chapter no 04
SWOT analysis
4. SWOT ANALYSIS
4.1. Strengths
 Well behaved workforce.
 Friendly employee due to which gradually clients attract to this branch.
 Those have built trust in this bank in a short period.
 Majority of clients have opened accounts in this bank as associated to their
challengers.
 This bank has become popular in a short period.
 Employees are prepared to share some of the problem of other employees.
 Employees support each other warmly which is significant.
 Bank has a family.
 Employees meet their clients jauntily and always ready to help also make clients feel
significant which builds strong connections with clients which is favorable for the
bank.
 Member of staff salaries are good as related to competitors.
 Masculine protective culture succeeds in JS Bank. Ladies are not held in office during
times of darkness. If somebody harasses women, then they can complain to Head
office and punishments are given to the guilty one.
 JS Bank is one of the originators in converting its branches to solar, including in
several charitable activities.
 JS Bank has been selected by Ministry of Religious Affairs, Government of Pakistan
to agree Hajj Journey for the year.

4.2. Weaknesses
 The branch size is small so for the duration of rush hours the branch looks over
crowded.
 ATM service is occasionally down.
 JS Bank has small branch complex in the country.
 Advertisement about JS bank is less as related to its competitors.
 ATM card charges are high for JS Bank as related to competitors like HBL etc.
 Majority of people are not well aware of the service of JS Bank.
  Mismanagement of time is another weakness, the official closing time is 5:30 pm but
some time mismanagement of work the staff are commonly on their chairs till 6 or
7pm.
 There is only one overseas branch of JS Bank. Alternatively, its competitors like HBL
has 20 and NBP has 15 overseas branches.
4.3. Opportunities
 Bank should increase branch size so that more workers should be appointed.
 By growing branch size gives the capability to have more clients at any time and
avoid over crowd.
 JS Bank must increase its branch complex in all across Pakistan.
 Increase billboard about bank so that more people should know about this bank.
 To extend more overseas branch of JS bank.

4.4. Threats
 There are several competitors of JS Bank.
 Inconsistency in Administration policies.
 Image of other banks in client's mind is strong because other Banks are in the banking
business for far too long.
 Government policies about tariff change all the time and Government charge more
tariff always.
 The decrease purchasing power of customer in the existing economic situation of the
country is upsetting the speed of commercial activity and the result is low investment
from financiers in new projects can reason of problems in bank.
 There is a risk of an extremist opening an account with bank. So Bank has to be more
careful in dealing with clients and do not open such accounts if there is even a clue
that such person is or might be intricate in terrorist actions even if that person has
high deposit.
 Chapter 5
Conclusion and Recommendations
 5. Recommendation

Branches likewise build up in provincial region.

They should offer more administrations for youth as in Pakistan they include a high rate.

Banking ought to be made on Islamic premise on enormous scale.

Conduct more section to train the employees.

CRO is the main pillar of bank so he or she must be well trained because clients firstly meet with
CRO.

Increase the area of a bank because in rush hours bank look like overcrowded

5.1. CONCLUSION
My Internship in JS bank was first Instance of me, working in any expert field. So I feel blessed
to have as the spot of my first work understanding. I had no any plan to be looked in the wake of
placing my foot in the expert world. JS bank had increased an amazing value. Well the general
economy of the nation is bit by bit improving and gave banks of all sizes to exploit. JS Bank has
a quickly developing store structure and it looks prepared to loan, must to there be request from
private part. JS Bank has a moderately perfect book, with non-performing advances well in line.
An improvement in Current record and sparing record (CASA) proportion and further drop in
cost of store must to be the following stage forward. JS Bank has beaten all the Primary Dealers
during what has been an amazingly testing year for Pakistani banking. JS Bank is tallied among
the most exhibition driven puts money on Pakistani scene. With everything taken into account,
things look sound enough for JS Bank to keep on flourishing soon.

 References