BankIslami Pakistan : Corporate Briefing Session - BankIslami Pakistan Limited

BANKISLAMI PAKISTAN LIMITED - AGENDA

Introduction to the Bank, its Vision, Mission and Core Values, Network Size, Range of Services and Products, Credit Rating

Introduction

Investment portfolio, Financing Portfolio, Non-performing Financing, Provision Coverage, Deposits, Operating Profits

Financial Performance

BANKISLAMI PAKISTAN LIMITED - WHO WE ARE

SINCE

October 2004 Incorporated as Public Limited Company to carry out business of an Islamic Commercial Bank

2004

March 2005

Granted 'Scheduled Islamic Commercial Bank' license by Central Bank

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PRODUCTS & SERVICES The Bank offers a full range of financial services in corporate, commercial, consumer, retail banking and investment banking activities.

CREDIT RATING The Pakistan Credit Rating Agency Limited (PACRA) has assigned BankIslami's long-term entity rating at AA- and short term rating at A1 with a Positive Outlook. The ratings reflect BankIslami's sustained risk profile.

April 2006

Commencement of Operations as an Islamic Bank listed on Stock Exchange

OUR VISION

Promoting global economic prosperity based on Islamic financial system.

OUR CORE VALUES

OUR MISSION

• Shariah Excellence	•	Meritocracy
• Innovation	•	People-Centric
• Teamwork

BRANCH NETWORK The Bank now operates 440 branches including 60 sub branches in 140 plus cities of Pakistan

LISTING INFORMATION Listed on Pakistan Stock Exchange on April 17, 2006 as BIPL ticker post IPO.

Saving Humanity from Riba by offering Shariah compliant, customer-centric, innovative financial solutions and creating value for our stakeholders while upholding social responsibility and transparency.

BANKISLAMI PAKISTAN LIMITED - MAJOR STAKEHOLDERS

MAJOR SPONSORS & SHAREHOLDERS

JS Bank Limited

During the year, JS Bank acquired 67.33% shareholding in BankIslami, taking its total shareholding to 75.12%. While both banks will continue to operate independently in their respective domains, we will be able to provide a higher number of touchpoints to a wider client base through a combined network of more than 700 branches. Both banks will also continue to adopt best practices from each institution to improve customer experience.

JS Bank is a banking company incorporated in Pakistan as a public limited company on March 15, 2006. The Bank is a subsidiary company of Jahangir Siddiqui & Co. Ltd. (JSCL) and its shares are listed on Pakistan Stock Exchange Limited (PSX). JS Bank is a scheduled bank, engaged in commercial banking and related services as described in the Banking Companies Ordinance, 1962 and is operating through 291 (2022: 281) branches / sub-branches in Pakistan and one wholesale banking branch in Bahrain (2022: one). The Pakistan Credit Rating Agency Limited (PACRA) has assigned the long-term entity rating of JS Bank to AA- (Double A Minus) whereas short-term rating is maintained at 'A1+' (A One Plus), which is the highest possible short-term rating.

S AJ

Mr. Ali Hussain & SAJ Capital Management Limited

CAPITAL MANAGEMENT LTD.

Mr. Hussain is the founder and Managing Director of SAJ Capital Management Limited, BVI, a family office based in Singapore having strategic investments in Pakistan, Europe & North America. He has overall 38 years of professional experience and specialized in incubating, acquiring and managing technology companies and converting them into growth champions in Singapore, USA, Germany, UK and Canada.

REGULATORS, MEMBERSHIP & LICENSES

BANKISLAMI PAKISTAN LIMITED - NATIONAL OUTREACH AND BRANCH COVERAGE

Presence in over 150

Cities

440+

Branches

444 ATMs

Nationwide Presence with focus to reach Unbanked Areas to encourage financial inclusion

PERSONAL BANKING

Cash Management &

Employee Banking

Embracing fast pace of technology, BankIslami is offering Corporate Payments, Corporate Bill/ Tax Payments, Bulk Real Time Gross Settlement - RTGS, introduction of Payment voucher for mutual funds redemption, off-site pay-order printing, MT-940 availability and collections via POS solution. Besides this, also offering payroll processing, bike financing and consumer durable goods financing.

Small and Medium-sized Enterprises (SMEs) drive economic growth by stimulating innovation, acting as a critical value chain partner to existing businesses to increase their productivity and making a disproportionately large contribution to job creation. BankIslami is dedicated in supporting SME business with all the products and services available through its branch banking network. The products and services are offered to SME clients strictly under Shariah modes.

SME FINANCING

AGRI FINANCING

Investment Banking is a high Economic Value-Added franchise of the Bank, specialized in tailoring and structuring varied complex deals in an innovative and Shariah Compliant manner to meet the on-going critical needs of large corporate clientele. Such deals may range from short-term to long-term syndicated deals, raising of redeemable capital through Islamic debt instruments i.e. Islamic Commercial Paper (ICP) and Sukuk, offering of securities to raise equity or typical project & structured financing.

BankIslami provides solution where farmers can purchase tractors & equipment for their farm, based on Diminishing Musharakah under Shirkat-ul-Milk arrangement. This segment also offers financing to farmers to fulfill their short term working capital requirements.

BankIslami offers a wide variety of accounts fulfilling all the financial needs of its diverse customer base.

INVESTMENT BANKING

CORPORATE BANKING

BankIslami offers a world class Shariah compliant financing solutions to its corporate customers. Various products and services are offered to help its clients' in achieving their business objectives.

CONSUMER FINANCE

BankIslami offers a range of house financing, auto financing, takaful and remittance products to its customers.

SPECIALIZED PRODUCTS

One Touch Banking

Wealth Management

Islamic Housing

FinanceHome Remittance

Islamic Auto Loans

Shariah Compliant Investment Solutions

Freelancer Account

Digital Delivery Channel

BANKISLAMI PAKISTAN LIMITED - JOURNEY OF A TURN-AROUND (Contd)

Particulars	2018	2023	CAGR %
---Rupees in Mn---
Operating Profit before Provisions	439	26,915	128%
Profit Before Tax	403	20,523	119%
Profit After Tax	213	11,045	120%
Total Deposit	185,945	522,541	23%
Current A/c Deposits	59,746	194,998	27%
Total Assets	215,743	654,866	25%
Investments - net	38,832	314,084	52%
Financing - net	118,571	230,194	14%
Total Equity	14,515	36,466	20%
Capital Adequacy Ratio (CAR) %	3.87%	23.79%	44%
Operating expenses per employee*	2.2	2.74	5%
Total income per employee*	2.4	7.38	25%

* Closing No of Employees

Deposit	2018	2023	Absolute Growth	CAGR
Rs. In Million	%
Industry	13,353,916	29,128,202	118%	17%
BIPL	185,945	522,541	181%	23%
BIPL Market Share	1.4%	1.8%

Financing Net	2018	2023	Absolute Growth	CAGR
Rs. In Million	%
Industry	7,888,024	12,178,293	54%	9%
BIPL	118,571	230,194	94%	14%
BIPL Market Share	1.5%	1.9%

Investments	2018	2023	Absolute Growth	CAGR
Rs. In Million	%
Industry	7,583,240	26,019,114	243%	28%
BIPL	38,832	314,084	709%	52%
BIPL Market Share	0.5%	1.2%

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