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The Market ! => Pak Equities => Topic started by: Toshi on April 08, 2010, 11:21:45 PM

Title: JSBL -- JS Bank Ltd.
Post by: Toshi on April 08, 2010, 11:21:45 PM
All about JS Bank Ltd.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Toshi on April 08, 2010, 11:24:34 PM
Buy JSBL with stoploss @ 3.7 target is Rs 5

(http://i869.photobucket.com/albums/ab251/Toshiali/jsbl.png)
Title: Re: JSBL -- JS Bank Ltd.
Post by: alikhan_2010 on April 09, 2010, 07:23:01 AM
Toshi Bhai, Can you give time period?
Title: Re: JSBL -- JS Bank Ltd.
Post by: suneelahmed on April 23, 2010, 12:26:47 AM

salam farooq bhai
 
i got following info. from tezimandee site, i hope you must be aware of this news. do u suggest buy if the following news is true. please comment. thanks

JS Bank ka Chenab Ltd walay prefrence share wala masla hal honey ja raha hey.Good for JSBL.

 


--------------------

1.Every man has a right to be listened
2.Exercise your own due diligence before buying
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tezihunt on April 23, 2010, 08:07:23 AM
Yes! Chenab Ltd ki tarf sey KSE per Notice bi laga hey. 30 April tak JSBL apply karey ga for conversion of preference shares into ordinary shares.For which previously CHBL defaulted on april 8th.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farzooq on April 23, 2010, 12:22:17 PM
Yes! Chenab Ltd ki tarf sey KSE per Notice bi laga hey. 30 April tak JSBL apply karey ga for conversion of preference shares into ordinary shares.For which previously CHBL defaulted on april 8th.

thats good news for chbl and not for jsbl
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tezihunt on April 23, 2010, 12:52:55 PM
Yes! Chenab Ltd ki tarf sey KSE per Notice bi laga hey. 30 April tak JSBL apply karey ga for conversion of preference shares into ordinary shares.For which previously CHBL defaulted on april 8th.

thats good news for chbl and not for jsbl

JSBL has heavy investment in CHBL prefrence shares. On redemption time CHBL defaulted and it was feared that now JSBL has to go to litigation to redeeme its stuck money but matter is going to solve amicably....Is it not good for JSBL....I think it is!
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farzooq on May 25, 2010, 09:36:04 AM
Bank: JS BANK LIMITED - Analysis of Financial Statements Financial Year 2006 - 2001 Q 2010
OVERVIEW (May 21 2010): 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 commenced its operations in Pakistan as a fully scheduled bank on December 30, 2006.

The bank provides commercial banking and related services in Pakistan. It offers retail and consumer banking, wealth management, corporate and commercial banking, investment banking, and treasury services. The bank's retail banking activities, include Kamiyab business accounts, rupee plus accounts, rupee current accounts, PLS rupee savings accounts, rupee basic banking accounts, rupee fixed deposits, foreign currency accounts, loans and running finance, Western Union Home Remittances, sale and encashment of government of Pakistan securities, countrywide account operations, tele-banking, SWIFT transfers, utility bills payment, and auto loans.

================================================================================
GROWTH RATES
================================================================================
                                      JSBL                  Industry Averages
================================================================================
                            2007     2008       2009      2007     2008     2009
================================================================================
Profits After Tax        108.50%   54.58%  -1186.24%     4.82%   -4.37%   26.07%
Advances                 282.55%   49.77%     20.52%    14.05%   22.89%    4.75%
Deposits                  90.05%   11.80%     39.36%    19.80%   12.98%   10.03%
Investments              136.61%  -16.20%     86.24%    69.85%   -8.69%   33.53%
Net Interest Income    53545.77%  130.55%     17.46%     9.86%   15.98%   19.69%
Non Interest Income   -35218.96%  -54.13%   -184.45%    16.85%   75.05%   21.12%
Return on Assets         105.24%   45.29%   -814.19%   -10.44%  -13.72%    4.02%
================================================================================

Its wealth management services include bancassurance, mutual funds, and wealth-building solutions. The bank's corporate banking activities include services provided in connection with mergers and acquisitions, underwriting, privatisation, securitisation, research debts (government high yield), equity, syndication, IPO and secondary private placements. Its investment banking activities include corporate debt origination and syndication, underwriting, bankers to the issue, and trusteeship services. The company's treasury activities comprise foreign exchange, corporate debt market, and primary dealership. As of September 30, 2009, it operated 77 branches/sub branches. Its headquarter is in Karachi, Pakistan. JS Bank Limited operates as a subsidiary of Jahangir Siddiqui & Company Limited.

The Pakistan Credit Rating Agency (PACRA) has assigned long-term and short-term entity ratings of JS Bank Limited to "A" (Single A) and "A1" (A One), respectively. These ratings denote low expectations of credit risk emanating from a strong capacity for timely payment of financial commitments.

BANKING INDUSTRY

Pakistan's economy continued on the path to recovery in the first quarter of 2010 as evident from the much contained current account deficit and exchange rate stability. Moreover, industry-wide banking deposits rose by 2.3% in line with improving net domestic assets, which rose by Rs 29 billion. Provisions, however, continued to remain a major concern, despite a decrease in the accretion rate. Credit off-take in the first quarter 2010 dropped by 0.5%, hinting that overall economic recovery is still at an early stage. Furthermore, the tight liquidity conditions and resurgence of inflationary pressures remained sources of concern for the economy's health due to which the State Bank of Pakistan remained cautious in its monetary stance and kept the policy rate intact at 12.5%.

RECENT RESULTS 1Q10

JSBL posted a profit after tax (PAT) of Rs -188 million in the 1Q10, primarily due to provisioning against non-performing loans and operating costs attributable to new branches opened during the later part of 2009. There was also a significant increase in dividend income, which grew by 547.46% in the 1Q10 as compared to 1Q09. Net interest revenue stood at Rs 237.2 million in the 1Q10, which was up by 24.43% from the net interest revenue in the 1Q09. Non-interest income on the other hand was down by 26.90% in the 1Q10 as compared to 1Q09.

================================================
NET INTEREST MARGIN
================================================
                                      (Rs  '000)
================================================
                            1Q' 2009    1Q' 2010
================================================
Interest Revenue              599525      781137
Yield on Earning Assets        3.62%       2.83%
Interest Expense              408917      543965
Cost of Funding                2.47%       1.97%
Net Interest Income           190608      237172
Net Interest Margin            1.15%       0.86%
================================================

During the 1Q10, the balance sheet of JSBL grew, with the asset side improving due to higher business volumes. Total assets stood at Rs 34.14 billion from Rs 32.89 billion as at December 31, 2009. The bank's deposit base grew to Rs 22.42 billion as compared to Rs 21.31 billion. Total earning assets grew by 11.63% in the 1Q10 with 72.12% increase in lending to financial institutions, 3.92% increase in investments and 0.1% drop in the advances since FY09.

FINANCIAL PERFORMANCE (FINANCIAL YEAR 2006 - FINANCIAL YEAR 2009)If we compare the banking industry growth rates with the JSBL growth rates, we will find out that the growth rates of PAT of JSBL in the FY07 and FY08 grew by 108.5% and 54.58% respectively, but in the FY09 the bank realized negative growth of 1186.24%. The growth rates of the advances of the bank were much higher than that of industry averages, reflecting that the bank's asset base grew drastically. The advances growth of JSBL was more than 300% higher than that of industry average in the FY09 only. Similarly, the growth rate of JSBL's deposits was 292% higher than the industry average. The investments of bank were also higher by 157% than that of industry average in FY09. The bank's net interest income, non interest income, and ROA did not show significant growth; they were lower by 11%, 973%, and 20353% respectively than that of industry averages. This indicates that the bank suffered huge losses in the FY09.

EARNINGS

The bank started its operations in 2006, which justifies its low earning ratios in FY06. In FY07, the PAT grew by 108% to Rs 35.43 million and by 55% in FY08 to Rs 54.77 million. However, bank incurred losses in FY09 and its PAT dropped by 1186% to Rs -594.94 million. One of the reasons for such low profits was the provisioning against non-performing loans and diminution in the value of investments due to poor economic conditions of the country. ROA, ROD, and ROE grew by 105%, 104%, and 105% respectively in FY07 and by 45%, 38%, and 52% in FY08. In FY09, the bank's earning ratios declined due to negative growth of PAT. The ROA, ROD, and ROE were down by 814%, 879%, 1113% respectively.

ASSET QUALITY

The bank's non-performing loans have been increasing throughout. It grew by 32.11% in FY07 and by 217.19% in FY08. In FY09, it grew by 88%. This significant growth rate of NPLs can be attributed to the higher interest rates and the low growth environment. JSBL's rising NPLs are in line with the banking industry trend. In FY07, NPLs to advances ratio dropped by 65.47% as advances grew by 283%, but in FY08 and FY09, it grew by 111.78% and 56.12% respectively, due to mounting NPLs. Provisions to NPLs dropped by 57.94% in FY08 but then in FY09 it grew by 1443.35%, which is significantly large. The asset side of the balance sheet grew in FY09 due to higher business volumes. Total assets stood at Rs 32.89 billion up from Rs 21.63 billion as at December 31, 2008 which was driven by 86% increase in investments and 21% increase in advances.

DEBT MANAGEMENT

JSBL's debt to equity ratio grew significantly in the FY09 as the debts on the bank increased by 67%. The debt to equity ratio grew by 55.48% in FY09. It dropped by 8.27% in FY07 and grew by 6.37% in FY08. Deposits time capital increased by 9.91% in FY07 and by 10.06% in the FY08. It increased by 30.02% in FY09 due to large deposit base, which grew by 39% the same year. Debt to asset ratio remains stabled from FY06 to FY08, but it grew by 9.53% in FY09, as bank's focus was to grow its core deposit base.

CASA RATIO CASA ratio for JSBL has showed improvement from the previous year, as it stood at 49.16% in FY09 as compared to 34.48% in FY08. In FY06 it stood at 57.95%, but it was the year when bank started its operation, so the bank had relatively lower levels of fixed deposits.

INTEREST MARGINS

===============================================================
NET INTEREST MARGIN
===============================================================
                                                     (Rs  '000)
===============================================================
                             2006      2007      2008      2009
===============================================================
Interest Revenue             2050   1130383   1975203   2527295
Yield on Earning Assets      0.03%     6.98%    12.17%   10.23%
Interest Expense             1554    864300   1361738   1806709
Cost of Funding              0.02%     5.34%     8.39%    7.31%
Net Interest Income           496    266083    613465    720586
Net Interest Margin          0.01%     1.64%     3.78%    2.92%
===============================================================

Comparatively low CASA ratios of JSBL also explain the low interest margins of 2-3%. Higher CASA minimizes the cost of funding and consequently, increases the profitability.

MARKET VALUE

Price-to-earnings ratio decreased by 104.25% to -6.12 due to huge losses that company suffered in FY09. The share price also dropped to Rs 6 in FY09 from Rs 15.86 in FY08.

LIQUIDITY

Earning assets to assets ratio increased by 40.68% in FY07, which reflected a significant improvement in the liquidity position of the bank, but in FY08 it dropped by 5.79% and grew only by 0.13% in FY09. In FY09, about 75.11% of the total assets comprised of the earning assets (advances, lending to financial institutions, and investments). Overall earning assets grew by 52% in FY09. Bank's advance to deposit ratio decreased by 13.52% due to large deposit base of the bank. Bank's deposits grew by 39% and advances grew by 21% in the FY09. This indicates the improvement of liquidity position of the bank. Yield on earning assets dropped by 15.98% in FY09, which is mainly due to huge levels of NPLs. The cost of funding earning assets also dropped by 12.88%.

SOLVENCY

Equity to asset ratio and equity to deposit ratio declined in FY08 and FY09, which reflects a poor solvency position of the bank. Equity to assets ratio of the bank dropped by 29.53% to 17.19% while the equity to deposits ratio dropped by 23.09% to 26.53% in the FY09. The earning assets to deposits ratio dropped 52.83% in FY08 but then it grew by 9.28% in FY09. This shows that the earning assets are also growing with the deposits. Earning assets of the bank grew by 52% to Rs 24.71 billion while deposits grew by 39% to Rs 21.31 billion in FY09.

BALANCE SHEET GROWTH

The total assets of the bank grew by 21% in FY09 as compared to 55% in FY08 while the total liabilities grew by 67% in FY09 as compared to 8% in FY08. The earning assets of the bank grew by 52% in FY09 largely due to 148% increase in lending to financial institutions and an increase of 86% in investments. This significant increase in lending to financial institutions is mainly due to increase in call money lending which grew by 255.24% carrying interest at the rates ranging between 12.25% and 13.96%. Also the bank has invested heavily in federal government securities which constitute the 68.94% of the total investments. The bank's borrowings have increased by 529.95% from FY06. This explains that bank's liquidity position has been hurting in the past four years partly due to increasing levels of NPLs.

FUTURE OUTLOOK

Macroeconomic indicators in Pakistan improved in FY09 as State Bank of Pakistan eased monetary policy by reducing the discount rate to 12.5, this measure led to a substantial decrease in inflation. Record remittances coupled with lower commodity prices provided a major boost, easing the twin external deficits. A combination of inflows from International Monetary Fund and other multilateral sources greatly helped to build foreign exchange reserves up to US dollar 15 billion (22 months of import cover) at year end. The banking sector remained under pressure, with a growth in credit off-take of 4.2% (the slowest since 2002). Weak corporate demand along with erosion in asset quality hurt overall sectoral performance. Economic slow down amid high interest rates and an energy crisis affected quality of corporate earnings and had a trickle down effect on banks in the form of higher provisions which rose by Rs 55 billion in 2009. It is anticipated that banking sector advances to rise gradually, in line with economic activity in 2010. On a positive note, a gradual pick up in demand as infrastructure activities gather pace and from the energy sector in particular, is likely to help revive loan growth. The key area of the focus for JSBL in FY10 should be lowering the mounting levels of NPLs, with the economy growing and reduction in interest rates, the quantum of non-performing loans is expected to decline.

As JSBL is a new entrant in the market, it is currently trying to build a large customer base and to grow its other income streams. For this purpose, bank is currently developing its branch network in various parts of the country, and also growing its alternate delivery channels. Bank has also made a substantial investment in its national marketing campaign. These measures will help JSBL to grow its customer base and grow its business.

==================================================================================
RATIOS
==================================================================================
JSBL                                   2006         2007         2008         2009
==================================================================================
EARNINGS RATIOS
----------------------------------------------------------------------------------
Return on Assets (%)                 -3.32%        0.17%        0.25%       -1.81%
Return on Deposits (%)               -5.79%        0.26%        0.36%       -2.79%
Return on Equity (%)                -13.88%        0.68%        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                      0.00       190.59       144.16        -6.12
Market Price                              -        17.15        15.86         6.00
----------------------------------------------------------------------------------
DEBT MANAGEMENT RATIOS
----------------------------------------------------------------------------------
Debt to equity                         3.18         2.91         3.10         4.82
Deposit times capital                  2.40         2.63         2.90         3.77
Debt to asset                          0.76         0.74         0.76         0.83
----------------------------------------------------------------------------------
LIQUIDITY RATIOS
----------------------------------------------------------------------------------
Earning assets to assets             56.60%       79.63%       75.02%       75.11%
Advance to deposit                   23.52%       47.34%       63.42%       54.85%
Yield on earning assets               0.03%        6.98%       12.17%       10.23%
Cost of funding earning assets        0.02%        5.34%        8.39%        7.31%
----------------------------------------------------------------------------------
SOLVENCY RATIOS
----------------------------------------------------------------------------------
Equity to assets (%)                 23.94%       25.55%       24.39%       17.19%
Equity to deposits (%)               41.73%       72.15%       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%
==================================================================================
COURTESY: Economics and Finance Department, Institute of Business Administration, Karachi
Title: Re: JSBL -- JS Bank Ltd.
Post by: HAMDANI_Punjtani on August 27, 2011, 01:05:20 PM
JSBL has shown very good improvement . Isnt this a good time to buy?
Title: Re: JSBL -- JS Bank Ltd.
Post by: HAMDANI_Punjtani on August 27, 2011, 01:07:58 PM
2Q   0.11 previous -0.24
1H   0.12 previous -0.56
Title: Re: JSBL -- JS Bank Ltd.
Post by: Poker Face on August 27, 2011, 01:13:38 PM
Dude, I would say don't go on one off profit report. Go for the last 2-3 year history / reports and also judge the risks/opportunities in future. Then see if current mkt price makes the share undervalued?

You can see that previously your DOL has also lost 40-50% of value within 2-3 months.

Thanks
Title: Re: JSBL -- JS Bank Ltd.
Post by: HAMDANI_Punjtani on August 27, 2011, 01:36:31 PM
Dude, I would say don't go on one off profit report. Go for the last 2-3 year history / reports and also judge the risks/opportunities in future. Then see if current mkt price makes the share undervalued?

You can see that previously your DOL has also lost 40-50% of value within 2-3 months.

Thanks
thanks for a sincere piece of advice :thanks:
Title: Re: JSBL -- JS Bank Ltd.
Post by: atif on October 10, 2011, 08:34:56 PM
http://www.kse.net.pk/notices-updates/detail2.php?id=4&nid=028063
Title: Re: JSBL -- JS Bank Ltd.
Post by: frazmunaf on February 09, 2012, 11:04:25 AM
i like jsbl target 6.alot bullish in it. :thumbsup_anim: :clap1: :biggthumpup: :laugh: :shoaby: :banana: :goodc:now my fingures crossed :fingerscrossed1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: junaidph on February 09, 2012, 11:13:17 AM
i like jsbl target 6.alot bullish in it. :thumbsup_anim: :clap1: :biggthumpup: :laugh: :shoaby: :banana: :goodc:now my fingures crossed :fingerscrossed1:

Is main bhi to bop jesa dhamal kernay ka prog to nai hay ...munaf bhai dont mind but i m not hitting ur dhamal in right direction people admire alot about ur judgements
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on February 09, 2012, 11:17:16 AM
i like jsbl target 6.alot bullish in it. :thumbsup_anim: :clap1: :biggthumpup: :laugh: :shoaby: :banana: :goodc:now my fingures crossed :fingerscrossed1:

Is main bhi to bop jesa dhamal kernay ka prog to nai hay ...munaf bhai dont mind but i m not hitting ur dhamal in right direction people admire alot about ur judgements

Ismain Dhamal Hogaya hai bhaee ..2 sai 4.5 tak chala gaya ... ABB JS 10 cross karay ga tau naturally yeh 5 and beyond jaiga .. Junaid Dear ..
Title: Re: JSBL -- JS Bank Ltd.
Post by: junaidph on February 09, 2012, 11:21:18 AM
i like jsbl target 6.alot bullish in it. :thumbsup_anim: :clap1: :biggthumpup: :laugh: :shoaby: :banana: :goodc:now my fingures crossed :fingerscrossed1:

Is main bhi to bop jesa dhamal kernay ka prog to nai hay ...munaf bhai dont mind but i m not hitting ur dhamal in right direction people admire alot about ur judgements

Ismain Dhamal Hogaya hai bhaee ..2 sai 4.5 tak chala gaya ... ABB JS 10 cross karay ga tau naturally yeh 5 and beyond jaiga .. Junaid Dear ..

yar aj muje jscl 11.5 ka rate mil raha hay but after confirmation of a deal...lets c , wesay ye munaf ka dhamal thek hota hay ye phir pehnanata hay
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on February 09, 2012, 11:29:55 AM
i like jsbl target 6.alot bullish in it. :thumbsup_anim: :clap1: :biggthumpup: :laugh: :shoaby: :banana: :goodc:now my fingures crossed :fingerscrossed1:

Is main bhi to bop jesa dhamal kernay ka prog to nai hay ...munaf bhai dont mind but i m not hitting ur dhamal in right direction people admire alot about ur judgements

junaid bhai , thora sa sabar ker lain .. aap ney tu sonay ki murghi ko halaal ker nay ka program banaya hua hai .. daily ka aik anda sehat ke liyeah theek hai  .. murghi nay aaj agar mausam ki wajah se anda nahi diya , tu next day 2 anday de degi  :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on February 09, 2012, 11:30:55 AM
i like jsbl target 6.alot bullish in it. :thumbsup_anim: :clap1: :biggthumpup: :laugh: :shoaby: :banana: :goodc:now my fingures crossed :fingerscrossed1:

Is main bhi to bop jesa dhamal kernay ka prog to nai hay ...munaf bhai dont mind but i m not hitting ur dhamal in right direction people admire alot about ur judgements

Ismain Dhamal Hogaya hai bhaee ..2 sai 4.5 tak chala gaya ... ABB JS 10 cross karay ga tau naturally yeh 5 and beyond jaiga .. Junaid Dear ..

yar aj muje jscl 11.5 ka rate mil raha hay but after confirmation of a deal...lets c , wesay ye munaf ka dhamal thek hota hay ye phir pehnanata hay

Off market ...? 11.5?
Title: Re: JSBL -- JS Bank Ltd.
Post by: junaidph on February 09, 2012, 11:44:35 AM
i like jsbl target 6.alot bullish in it. :thumbsup_anim: :clap1: :biggthumpup: :laugh: :shoaby: :banana: :goodc:now my fingures crossed :fingerscrossed1:

munaf thora impress kia hay ap ne abhi
Title: Re: JSBL -- JS Bank Ltd.
Post by: frazmunaf on February 09, 2012, 01:10:35 PM
 :clap1: :biggthumpup: :shoaby:dmalll words usd by brokers. :banana:fly with jsbl. :biggthumpup: :thumbsup_anim:gabrya matt karo. be brave fnetrade zindabad. :thumbsup_anim: :clap1: :biggthumpup: :banana: :shoaby: :goodc: :goodc: :goodc: :goodc: :goodc: :goodc: :goodc: :goodc: :goodc: :goodc: :goodc: :goodc: :goodc: :goodc:
Title: Re: JSBL -- JS Bank Ltd.
Post by: frazmunaf on February 09, 2012, 02:16:59 PM
malll jama kar rahay hain gabrana nehe. nehe mall mill raha hai.quantity chayie aik limit tak, :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: frazmunaf on February 09, 2012, 03:32:46 PM
only 37 lakh :brickwall: :bangin: :brickwall:
Title: Re: JSBL -- JS Bank Ltd.
Post by: junaidph on February 09, 2012, 03:33:51 PM
only 37 lakh :brickwall: :bangin: :brickwall:

Phir marwa dia munaf ap ne jsbl lia tha ap k kehnay pe aj
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on February 09, 2012, 03:35:09 PM
buy some 3.4
see u tomorrow
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on February 09, 2012, 03:35:51 PM
only 37 lakh :brickwall: :bangin: :brickwall:

Phir marwa dia munaf ap ne jsbl lia tha ap k kehnay pe aj


sabar kar bro ... 14 feb k baad sab ouper hogaa  :fingerscrossed1:  :goodc:
Title: Re: JSBL -- JS Bank Ltd.
Post by: frazmunaf on February 09, 2012, 03:41:56 PM
what u mean aj isko 6 hou jana chaye.comon. humara kaam institutional hai.yar 6 koe wakt tou lagay ga.khider jama karna hai its own 2 u. target we decide. 6 but malll tum nay apna khaun jama karna hai. its purly u will decide.dnt blame us 4.10 say 3.40 hum nay kee jaga malll jama kya. mall be penka. just go to target dnt follow us. :$:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on February 09, 2012, 04:08:09 PM
what u mean aj isko 6 hou jana chaye.comon. humara kaam institutional hai.yar 6 koe wakt tou lagay ga.khider jama karna hai its own 2 u. target we decide. 6 but malll tum nay apna khaun jama karna hai. its purly u will decide.dnt blame us 4.10 say 3.40 hum nay kee jaga malll jama kya. mall be penka. just go to target dnt follow us. :$:

Han haan logay raho lagay raho ... Its good to have some corrections ..
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on February 09, 2012, 06:48:49 PM
what u mean aj isko 6 hou jana chaye.comon. humara kaam institutional hai.yar 6 koe wakt tou lagay ga.khider jama karna hai its own 2 u. target we decide. 6 but malll tum nay apna khaun jama karna hai. its purly u will decide.dnt blame us 4.10 say 3.40 hum nay kee jaga malll jama kya. mall be penka. just go to target dnt follow us. :$:


Faraz yar relax kar .. valentine day tu aanay dey  :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: frazmunaf on February 13, 2012, 06:02:33 PM
fnetradezindabad :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on February 13, 2012, 09:32:43 PM
fnetradezindabad :biggthumpup:

faraz , dhamal khatam ya show abhi baaki hai ??   :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: jattala on February 20, 2012, 03:17:08 PM
Board Meeting (February 27, 2012)
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on February 21, 2012, 10:52:41 AM
Buy @ 3.5 20k
Sell or Hold till Board meeting?????????
Title: Re: JSBL -- JS Bank Ltd.
Post by: Poker Face on February 21, 2012, 07:43:33 PM
30/12/2011 closing 1.65
21/02/2012 closing 4.07

% gain 146% in 8 weeks
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on February 21, 2012, 09:38:12 PM
Guys i have 25k of 1.61 bought about 3 months back.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on February 21, 2012, 09:39:31 PM
Guys i have 25k of 1.61 bought about 3 months back.
No selling for this year
Title: Re: JSBL -- JS Bank Ltd.
Post by: frazmunaf on February 22, 2012, 11:12:48 AM
buying jsbl alot koe darr nehe achay orders hain :goodc:
Title: Re: JSBL -- JS Bank Ltd.
Post by: frazmunaf on February 24, 2012, 09:40:39 AM
jsbl looks good.
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on February 24, 2012, 09:43:48 AM
jsbl looks good.
it looks gud daily but aaj agar koi khaas baat ho tu zarur batana plz  :goodc:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on February 24, 2012, 09:50:14 AM
jsbl looks good.
it looks gud daily but aaj agar koi khaas baat ho tu zarur batana plz  :goodc:
Malik yaar cmon ... buy call ...ka mtlab aik hee din main sab kuchnahee hota ...poora pattern hota hai short term maal uthanay ka ..Andhii nahee machtee bro .. :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on February 24, 2012, 09:57:18 AM
jsbl looks good.
it looks gud daily but aaj agar koi khaas baat ho tu zarur batana plz  :goodc:
Malik yaar cmon ... buy call ...ka mtlab aik hee din main sab kuchnahee hota ...poora pattern hota hai short term maal uthanay ka ..Andhii nahee machtee bro .. :biggthumpup:
acha acha  ::)  :biggrin:
Title: Re: JSBL -- JS Bank Ltd.
Post by: frazmunaf on February 24, 2012, 10:12:35 AM
yaar jsbl bht zabardast lag raha hai. 6 ka dehyan hai. i bet 4 jsbl.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tayyab2011 on February 27, 2012, 10:38:43 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on February 27, 2012, 10:44:18 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
it will go till 6 ,, rest ur choice , m holding
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tayyab2011 on February 27, 2012, 11:27:18 AM
Thanx dear
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on February 27, 2012, 05:51:56 PM
Thanx dear
han ji  :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tayyab2011 on February 28, 2012, 08:52:28 AM
You have a real deep insight into the things; Stay blessed. :thanks:
Title: Re: JSBL -- JS Bank Ltd.
Post by: zahidsharif151 on February 28, 2012, 09:50:07 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
it will go till 6 ,, rest ur choice , m holding

Thanks Munaf Sb. your have deep insight.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farzooq on February 28, 2012, 10:05:14 AM
Jsbl eps 0.42
Title: Re: JSBL -- JS Bank Ltd.
Post by: atif on February 28, 2012, 03:15:48 PM
It is recommend to buy at current rate after result ????????
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on March 01, 2012, 10:24:30 AM
any news about yesterday's BM????????
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on March 08, 2012, 09:55:41 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
it will go till 6 ,, rest ur choice , m holding
JSBL walon ko Eid Mubarik  :banana: :banana: aur ye special banana bhi  :tongue:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 08, 2012, 09:59:29 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
it will go till 6 ,, rest ur choice , m holding
JSBL walon ko Eid Mubarik  :banana: :banana: aur ye special banana bhi  :tongue:

Hahahah Mubarik Bro ... Khair Banana ... :biggthumpup: :biggthumpup: :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 08, 2012, 10:11:20 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
it will go till 6 ,, rest ur choice , m holding
JSBL walon ko Eid Mubarik  :banana: :banana: aur ye special banana bhi  :tongue:


Bhaee Sold me 90% Holding of BIP at 6.4 today .. bot at 5.05 :biggthumpup:
Hahahah Mubarik Bro ... Khair Banana ... :biggthumpup: :biggthumpup: :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on March 08, 2012, 10:18:38 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
it will go till 6 ,, rest ur choice , m holding
JSBL walon ko Eid Mubarik  :banana: :banana: aur ye special banana bhi  :tongue:


Bhaee Sold me 90% Holding of BIP at 6.4 today .. bot at 5.05 :biggthumpup:
Hahahah Mubarik Bro ... Khair Banana ... :biggthumpup: :biggthumpup: :biggthumpup:
m holding jsBL of 4.30 wala  :banana: :banana:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 08, 2012, 10:19:17 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
it will go till 6 ,, rest ur choice , m holding
JSBL walon ko Eid Mubarik  :banana: :banana: aur ye special banana bhi  :tongue:


Bhaee Sold me 90% Holding of BIP at 6.4 today .. bot at 5.05 :biggthumpup:
Hahahah Mubarik Bro ... Khair Banana ... :biggthumpup: :biggthumpup: :biggthumpup:
m holding jsBL of 4.30 wala  :banana: :banana:

Bhaee subhanallah .. Mashallah ..holding BIPL some lets c ..
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 08, 2012, 10:20:16 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
it will go till 6 ,, rest ur choice , m holding
JSBL walon ko Eid Mubarik  :banana: :banana: aur ye special banana bhi  :tongue:


Bhaee Sold me 90% Holding of BIP at 6.4 today .. bot at 5.05 :biggthumpup:
Hahahah Mubarik Bro ... Khair Banana ... :biggthumpup: :biggthumpup: :biggthumpup:
m holding jsBL of 4.30 wala  :banana: :banana:

Bhaee subhanallah .. Mashallah ..holding BIPL some lets c ..

Cant imagine y ANL Nort locking
Title: Re: JSBL -- JS Bank Ltd.
Post by: atif on March 08, 2012, 10:21:28 AM
Buy on 4.10 and  Sold on upper lock today........... ;)
Title: Re: JSBL -- JS Bank Ltd.
Post by: stockz_123 on March 08, 2012, 10:22:57 AM
 :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on March 08, 2012, 10:25:23 AM
Dear Fraz Munaf ; Should i hold JSBL or sell it today; Plz advise; Thanx
it will go till 6 ,, rest ur choice , m holding
JSBL walon ko Eid Mubarik  :banana: :banana: aur ye special banana bhi  :tongue:


Bhaee Sold me 90% Holding of BIP at 6.4 today .. bot at 5.05 :biggthumpup:
Hahahah Mubarik Bro ... Khair Banana ... :biggthumpup: :biggthumpup: :biggthumpup:
m holding jsBL of 4.30 wala  :banana: :banana:

Bhaee subhanallah .. Mashallah ..holding BIPL some lets c ..
:thumbsup_anim: :thumbsup_anim: :thumbsup_anim: :thumbsup_anim: :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: merc007 on March 08, 2012, 03:33:50 PM
any ideas what can be expected tomm?????????
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 08, 2012, 10:52:09 PM
any ideas what can be expected tomm?????????

Jah .. sb kai ajj kai kaam sai 13.96 ka TP kal materalize lag raha hai .. subah 11 bajay sai 10-11 million ka kaam and lock pai buyers gradually increasing to 7 milllion indication of possible tomorrow lock .too .. lets cc..
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on March 09, 2012, 12:31:26 AM
any ideas what can be expected tomm?????????

Jah .. sb kai ajj kai kaam sai 13.96 ka TP kal materalize lag raha hai .. subah 11 bajay sai 10-11 million ka kaam and lock pai buyers gradually increasing to 7 milllion indication of possible tomorrow lock .too .. lets cc..

Mainy tu pakra hua hai 4.30 se he ...  :shoaby: abhi tu maza aya hai sattay ka  :laugh: :laugh:
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on March 09, 2012, 02:19:29 PM
inshALLAH , Hat trick chance hai  :tongue: ... ye bhi ker lay tu jsBL may Account open ker doon  :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 09, 2012, 02:43:22 PM
inshALLAH , Hat trick chance hai  :tongue: ... ye bhi ker lay tu jsBL may Account open ker doon  :biggthumpup:


HAHAHAHAHAHHAHA Wel said ..
Title: Re: JSBL -- JS Bank Ltd.
Post by: merc007 on March 11, 2012, 12:03:55 AM
inshALLAH , Hat trick chance hai  :tongue: ... ye bhi ker lay tu jsBL may Account open ker doon  :biggthumpup:

INSHALLAH
Title: Re: JSBL -- JS Bank Ltd.
Post by: merc007 on March 12, 2012, 02:08:01 PM
inshALLAH , Hat trick chance hai  :tongue: ... ye bhi ker lay tu jsBL may Account open ker doon  :biggthumpup:

lol no account in jsbl from my end

any ideas why its gone in red or are they just going for volume
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on March 28, 2012, 10:56:00 AM
 >:(
Bhai BM kal hai aap aaj hi........
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on March 29, 2012, 11:44:52 AM
>:(
Bhai BM kal hai aap aaj hi........
yar any news? ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on March 29, 2012, 01:35:28 PM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 29, 2012, 05:15:09 PM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:

Dear 8 ka chance hai ...JSBL ka i witnessed loads of selling at 6.8 7.2 6.6

 :skeptic:
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on March 29, 2012, 05:36:30 PM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:

Dear 8 ka chance hai ...JSBL ka i witnessed loads of selling at 6.8 7.2 6.6

 :skeptic:

 :thanks: Kamal bhai
mujhay tu 9+ nazar aa raha hai . But who knows.......... ;)
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tayyab2011 on March 31, 2012, 10:49:52 AM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:

Dear 8 ka chance hai ...JSBL ka i witnessed loads of selling at 6.8 7.2 6.6

 :skeptic:

 :thanks: Kamal bhai
mujhay tu 9+ nazar aa raha hai . But who knows.......... ;)
Has the flight resumed ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 31, 2012, 09:59:45 PM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:

Dear 8 ka chance hai ...JSBL ka i witnessed loads of selling at 6.8 7.2 6.6

 :skeptic:

 :thanks: Kamal bhai
mujhay tu 9+ nazar aa raha hai . But who knows.......... ;)
Has the flight resumed ?

ceeing BIPL move to 9 and JSCL good moves JSBL 9 cannot be ruled out ...

Title: Re: JSBL -- JS Bank Ltd.
Post by: AQ on March 31, 2012, 10:02:17 PM
Its trading shows accumulation in it. Any dip can be fruitful
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on March 31, 2012, 10:04:46 PM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:

Dear 8 ka chance hai ...JSBL ka i witnessed loads of selling at 6.8 7.2 6.6

 :skeptic:

 :thanks: Kamal bhai
mujhay tu 9+ nazar aa raha hai . But who knows.......... ;)
Has the flight resumed ?

ceeing BIPL move to 9 and JSCL good moves JSBL 9 cannot be ruled out ...
Nobody is here to control. i bought at 1.62 and sold at 6.50 within 3 months and its now all talking on for 9? kamal brother. is there any control ? 3 months the things can change so much.
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 31, 2012, 10:05:06 PM
Its trading shows accumulation in it. Any dip can be fruitful

Agreed .. advise people to see its pivot points before taking positions ...fruitful indeed ...
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on March 31, 2012, 10:08:45 PM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:

Dear 8 ka chance hai ...JSBL ka i witnessed loads of selling at 6.8 7.2 6.6

 :skeptic:

 :thanks: Kamal bhai
mujhay tu 9+ nazar aa raha hai . But who knows.......... ;)
Has the flight resumed ?

ceeing BIPL move to 9 and JSCL good moves JSBL 9 cannot be ruled out ...
Nobody is here to control. i bought at 1.62 and sold at 6.50 within 3 months and its now all talking on for 9? kamal brother. is there any control ? 3 months the things can change so much.

Which control?
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on March 31, 2012, 10:24:33 PM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:

Dear 8 ka chance hai ...JSBL ka i witnessed loads of selling at 6.8 7.2 6.6

 :skeptic:

 :thanks: Kamal bhai
mujhay tu 9+ nazar aa raha hai . But who knows.......... ;)
Has the flight resumed ?

ceeing BIPL move to 9 and JSCL good moves JSBL 9 cannot be ruled out ...
Nobody is here to control. i bought at 1.62 and sold at 6.50 within 3 months and its now all talking on for 9? kamal brother. is there any control ? 3 months the things can change so much.

Which control?
i mean simply cannot imagine the difference in the company which gives or loose 400% in 3 months? that means its clear, without directors involvement it cannot happen
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tayyab2011 on April 02, 2012, 06:30:44 PM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:

Dear 8 ka chance hai ...JSBL ka i witnessed loads of selling at 6.8 7.2 6.6

 :skeptic:

 :thanks: Kamal bhai
mujhay tu 9+ nazar aa raha hai . But who knows.......... ;)
Has the flight resumed ?

ceeing BIPL move to 9 and JSCL good moves JSBL 9 cannot be ruled out ...
Nobody is here to control. i bought at 1.62 and sold at 6.50 within 3 months and its now all talking on for 9? kamal brother. is there any control ? 3 months the things can change so much.

Which control?
i mean simply cannot imagine the difference in the company which gives or loose 400% in 3 months? that means its clear, without directors involvement it cannot happen
Very logical Irfan Bhai
Title: Re: JSBL -- JS Bank Ltd.
Post by: Poker Face on April 02, 2012, 07:52:10 PM
JSBL has shown very good improvement . Isnt this a good time to buy?

2Q   0.11 previous -0.24
1H   0.12 previous -0.56
@ Irfan Khan
fundamental improvement was already evident since August but no one was willing to take risk. share was available at 1.7 to 1.8 rupees
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 02, 2012, 10:10:02 PM
Till now NO.
I think it comes out after market hours

Looking GOOD today.  But kal bohat mara hai ____ ne
I smell something very fruitful....

3.2 3.4 3.6 4 se hold kiya hua hai 
:biggthumpup:

Dear 8 ka chance hai ...JSBL ka i witnessed loads of selling at 6.8 7.2 6.6

 :skeptic:

 :thanks: Kamal bhai
mujhay tu 9+ nazar aa raha hai . But who knows.......... ;)
Has the flight resumed ?

ceeing BIPL move to 9 and JSCL good moves JSBL 9 cannot be ruled out ...
Nobody is here to control. i bought at 1.62 and sold at 6.50 within 3 months and its now all talking on for 9? kamal brother. is there any control ? 3 months the things can change so much.

Which control?
i mean simply cannot imagine the difference in the company which gives or loose 400% in 3 months? that means its clear, without directors involvement it cannot happen
Very logical Irfan Bhai

So ismain burayee kia hai ... Directors are members and sharegolders too... Close period main nahee khelsaktay ... Waisay tau kisi kai namee sai bhee khelsatkay hain siway Sponsor Block Shares in CDC asd per requirments of SBP and SECP.
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 03, 2012, 12:21:15 PM
Bot JSBL at 6.25 and 6.69 pai sale bhee laga dee ..lets cc :fingerscrossed1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 03, 2012, 12:37:23 PM
Cmon JSBL 6.69 tak uthalai ...

 :fingerscrossed1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 03, 2012, 01:12:25 PM
Sold JSBL at 6.52 bot at 6.3 mashllah ... My TP was 6.69 but so much resitance ...so i revisited my SP.
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 03, 2012, 02:59:26 PM
JSBL chaljai ..abb
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 03, 2012, 03:26:44 PM
BIPL moving JSBL aint
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 03, 2012, 06:58:06 PM
Bot JSBL at 6.25 and 6.69 pai sale bhee laga dee ..lets cc :fingerscrossed1:
I have 50k bought at 6.75 yesterday.umeed hay friday tak exit mil jaye ga with + .50 inshaallah
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 03, 2012, 08:57:33 PM
Bot JSBL at 6.25 and 6.69 pai sale bhee laga dee ..lets cc :fingerscrossed1:
I have 50k bought at 6.75 yesterday.umeed hay friday tak exit mil jaye ga with + .50 inshaallah

Yes Inshallah ..
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 04, 2012, 12:44:07 AM
JS ki 3 items performed very well today JSIL,ANL,BIPL,Allah karay k kal JSBL bhi issi tarah chay, waisay 7.5 is on the cards in short term Inshaallah
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 04, 2012, 11:03:18 AM
chalnay laga hay umeed hay Inshallah
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 04, 2012, 11:05:01 AM
chalnay laga hay umeed hay Inshallah

Plz JSBL CHALJA ...7 kai upper jai yeh :fingerscrossed1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 04, 2012, 11:06:58 AM
chalnay laga hay umeed hay Inshallah

Plz JSBL CHALJA ...7 kai upper jai yeh :fingerscrossed1:
Aaj Ager JSCL Cap hua to Yeh 7+ Ho ga Inshallah
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 04, 2012, 11:09:41 AM
6.84 Mashallah good going
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 04, 2012, 11:22:57 AM
6.84 Mashallah good going
6.95 with 2 Million shares buy at 6.8 good sign Mashallah
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 04, 2012, 06:52:16 PM
6.84 Mashallah good going
6.95 with 2 Million shares buy at 6.8 good sign Mashallah
JS ki items mein yeh sab say peechay reh gaya hay,let's hope k yeh perform karay Inshallah
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on April 04, 2012, 09:37:22 PM
mai nay kal JSBL mai position leney hay INSHA-ALLAH.
 :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 04, 2012, 10:38:31 PM
mai nay kal JSBL mai position leney hay INSHA-ALLAH.
 :biggthumpup:
Good luck :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 04, 2012, 11:04:48 PM
6.84 Mashallah good going
6.95 with 2 Million shares buy at 6.8 good sign Mashallah
JS ki items mein yeh sab say peechay reh gaya hay,let's hope k yeh perform karay Inshallah

Yes..
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on April 05, 2012, 09:50:00 AM
bought at 6.6  ::)
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on April 05, 2012, 10:35:39 AM
bought at 6.55, sold @ 6.7
bought 6.6 sold @6.72,4  ::)
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on April 05, 2012, 10:42:29 AM
supported again at 6.5   ::)
Title: Re: JSBL -- JS Bank Ltd.
Post by: space on April 05, 2012, 10:59:26 AM
supported again at 6.5   ::)

Broke below 6.50, I don't see any real support till 6.4; 22 orders for total of 119k shares, not a real support if you ask me
Title: Re: JSBL -- JS Bank Ltd.
Post by: space on April 05, 2012, 11:01:07 AM
6.45 ki bachee kuchee support bhee jatee nazar aa rahi hai
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on April 05, 2012, 11:21:13 AM
bought more at 6.4 and sold all at 6.48  :banana:
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 05, 2012, 12:37:15 PM
bought more at 6.4 and sold all at 6.48  :banana:
holding for a better gain Inshallah
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on April 05, 2012, 04:45:25 PM
I think Asset selling by js hurts the sentiments
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on April 05, 2012, 04:59:37 PM
bought more at 6.4 and sold all at 6.48  :banana:
holding for a better gain Inshallah

I was just trading in JSBL. noticed weak sentiment and took EXIT by booking my profit.  :goodc:
for holding I will buy when I will observe change of sentiment.  :skeptic:
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 05, 2012, 11:48:49 PM
Kaafi neechay aa gaya hay. Kal uper janay kay chances bright hain
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 05, 2012, 11:54:35 PM
Kaafi neechay aa gaya hay. Kal uper janay kay chances bright hain

Yaar i have it from 6.6 6.8 and 7.1

Ajj himat nahee hui  mazeed purchase karnay ki :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: hirani on April 05, 2012, 11:56:13 PM
wat short term target price, still rumors of right  are there or not...
Title: Re: JSBL -- JS Bank Ltd.
Post by: kamal on April 06, 2012, 12:00:38 AM
wat short term target price, still rumors of right  are there or not...

Rite nahee daiga ... To me ..
MCR met ...
Already ..Bank in profit ..and godd transactional volumes bana raha hai ...

Interesting it didnt move up..
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 06, 2012, 12:08:20 AM
wat short term target price, still rumors of right  are there or not...
From where u get these rumours . If true then it will be great and 8 will be the price. U can see the upward movement of BIPL from 6.5 to 10 after rights announcement
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 06, 2012, 12:11:54 AM
wat short term target price, still rumors of right  are there or not...
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 06, 2012, 12:12:18 AM
wat short term target price, still rumors of right  are there or not...
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on April 06, 2012, 12:15:20 AM
JSCL financial statement in last part I think stated about right share at 7/share in favor of JSCL .
In return JSBL will buy JSGCL shares from JSCL.
This is what I saw in financial statement of JSCL but please confirm this before making any decision. take my information for confirmation first I may be wrong.
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 06, 2012, 12:19:16 AM
PICT kay shares ki deal 150 per shares say jo paisa aaye ga wo bhi jsbl mein deposit ho ga
Title: Re: JSBL -- JS Bank Ltd.
Post by: hirani on April 06, 2012, 12:21:56 AM
gd  :clap1:, but usky capital ka part ni hoga  :brickwall:
Title: Re: JSBL -- JS Bank Ltd.
Post by: hirani on April 06, 2012, 12:32:05 AM
JSCL financial statement in last part I think stated about right share at 7/share in favor of JSCL .
In return JSBL will buy JSGCL shares from JSCL.
This is what I saw in financial statement of JSCL but please confirm this before making any decision. take my information for confirmation first I may be wrong.

was swap... exchange of share held by chairmen itself
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 06, 2012, 12:48:16 AM
Soon we'll see 8+ Inshallah. Hold 4 at least ten working days.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tayyab2011 on April 06, 2012, 08:46:59 PM
So far its very slow at the moment; probably relaxing  and flexing the muscles for a run up :skeptic:
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 07, 2012, 12:43:26 AM
So far its very slow at the moment; probably relaxing  and flexing the muscles for a run up :skeptic:
Inshallah
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tayyab2011 on April 08, 2012, 09:00:06 AM
So far its very slow at the moment; probably relaxing  and flexing the muscles for a run up :skeptic:
Inshallah
Best of Luck
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 09, 2012, 11:55:38 PM
hopefully JSBL to perform tomorrow, As JSCL performed today and JSBL is linked with it
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on April 10, 2012, 01:01:50 PM
Buy more @ 6.30 6.20
not on 6.15  >:(
Title: Re: JSBL -- JS Bank Ltd.
Post by: hirani on April 11, 2012, 12:08:29 AM
JSBL made a low of 6.02 in recent days, if see pressure on JSCL than 6 could be hit. But see some buying at 6.20 today though JSCL was in pressure.
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on April 11, 2012, 12:43:53 PM
JSBL made a low of 6.02 in recent days, if see pressure on JSCL than 6 could be hit. But see some buying at 6.20 today though JSCL was in pressure.

I buy your thought and got it @6.05 again

Lets see
 ;)
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on April 11, 2012, 03:43:09 PM
Is it make invertsd hammer or not?????????????
Title: Re: JSBL -- JS Bank Ltd.
Post by: hirani on April 11, 2012, 04:05:48 PM
JSBL made a low of 6.02 in recent days, if see pressure on JSCL than 6 could be hit. But see some buying at 6.20 today though JSCL was in pressure.

I buy your thought and got it @6.05 again

Lets see
 ;)

I also bought some qty @ 6.06... well hope for the best...
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 11, 2012, 04:25:22 PM
today pressure was witnessed in Banking sector except NBP,aur JSCL bhee end per neechay aa gaya , that is why buht neechay aaya, anyhow closing rate 5.96 Hopefully will up  in coming days .
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 11, 2012, 04:31:48 PM
today pressure was witnessed in Banking sector except NBP,aur JSCL bhee end per neechay aa gaya , that is why buht neechay aaya, anyhow closing rate 5.96 Hopefully will up  in coming days .
Aaj JSBL,aur NIB nay mayoos kiya laikin saari kasar FCCL nay nikaal di :shoaby:
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 11, 2012, 04:53:40 PM
today pressure was witnessed in Banking sector except NBP,aur JSCL bhee end per neechay aa gaya , that is why buht neechay aaya, anyhow closing rate 5.96 Hopefully will up  in coming days .
Aaj JSBL,aur NIB nay mayoos kiya laikin saari kasar FCCL nay nikaal di :shoaby:
mayoosi gunah hay is liye i m happy  :clap1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on April 14, 2012, 06:35:27 PM
Yeh current level 5.20 se kia aur neeche ja sakta ha ya upward ke chances ziada hain plz comment
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on April 14, 2012, 06:39:08 PM
bought more at 6.4 and sold all at 6.48  :banana:
holding for a better gain Inshallah

I was just trading in JSBL. noticed weak sentiment and took EXIT by booking my profit.  :goodc:
for holding I will buy when I will observe change of sentiment.  :skeptic:

Umer Bhai look at the date.  :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 14, 2012, 07:53:27 PM
bought some more at 5.21, laikin lagta hay yeh JSCL kay saath neechay k safer mein shamil hay, Allah behtar karay Ameen
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 17, 2012, 11:19:20 PM
JSCL aur JSBL kab chalna shoroo karain gay. I m stuck in both these scripts. Allah behtar karey Ameen
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on April 18, 2012, 12:20:05 AM
 :console:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abbas on April 18, 2012, 02:39:23 PM
jscl and jsil are capped....... will jsbl be capped too!!!!
Title: Re: JSBL -- JS Bank Ltd.
Post by: malikk on April 18, 2012, 02:55:29 PM
jscl and jsil are capped....... will jsbl be capped too!!!!
inshALLAH ... it will be  :goodc:
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 18, 2012, 08:05:22 PM
Allah ka shukar hay. kal bhi aisa he expect ker raha hoon Inshallah. :shoaby: :shoaby: :shoaby:
Title: Re: JSBL -- JS Bank Ltd.
Post by: mra901 on April 18, 2012, 08:09:06 PM
Allah ka shukar hay. kal bhi aisa he expect ker raha hoon Inshallah. :shoaby: :shoaby: :shoaby:

Bhai jaan 2 din aur add kar lain  ;)
 :banana: :banana: :banana:
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 18, 2012, 08:14:04 PM
Allah ka shukar hay. kal bhi aisa he expect ker raha hoon Inshallah. :shoaby: :shoaby: :shoaby:

Bhai jaan 2 din aur add kar lain  ;)
 :banana: :banana: :banana:
Inshallah, Allah aap ki zubaan mubarak kare
Title: Re: JSBL -- JS Bank Ltd.
Post by: bkapadia on April 25, 2012, 11:03:58 PM
Does anyone has an update on preview of 1st quarter results !
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farzooq on April 26, 2012, 09:27:05 AM
jsbl eps 0.2
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farzooq on May 29, 2012, 09:36:41 AM

HSBC: JS applies for due diligence
 May 29, 2012
RIZWAN BHATTI
0 Comments

Another bank - JS Bank - has applied with State Bank of Pakistan (SBP) for due diligence of Hong Kong and Shanghai Banking Corporation (HSBC) to esquire its Pakistan operations. Sources in banking sector told Business Recorder on Monday that JS Bank has also shown interest to purchase the stakes of HSBC, one of the largest banking and financial services organisations in the world, in Pakistan as it has decided to wind up its business in the country.
 
They said that JS Bank has also applied with SBP to get a Non-Objection Certificate (NOC) to conduct due diligence of HSBC for the proposed purchase of its stakes. So far, several banks have approached SBP for due diligence of HSBC. Out of which, requests of four leading banks have been turned down by SBP under a policy decision. The move was based on the experience of other regulators, which allowed financial institutions to grow where a failure would have created a logjam in the financial system.
 
These banks namely Habib Bank Limited, United Bank Limited, MCB Bank and Allied Bank Limited are now out of contest for HSBC's acquisition. Now banks namely KASB Bank and JS Bank are in the queue with a view to acquiring HSBC. Out of these, only one bank has got an NOC for due diligence of HSBC. On May 8, 2012, SBP granted NOC to KASB Finance to conduct a detailed financial analysis of HSBC and to begin negotiations with HSBC management for purchase of its Pakistan operation.
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on August 29, 2012, 01:10:02 PM
q2 2012 eps of .08
v .11 in 2011

reduction in NIM major reason for reduce profitability
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on August 31, 2012, 12:04:34 PM

Hold,  JSBL if anybody have. :good
Title: Re: JSBL -- JS Bank Ltd.
Post by: Ali135 on August 31, 2012, 07:54:30 PM

Hold,  JSBL if anybody have. :good

im holding...  wts tp?
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on September 06, 2012, 02:27:06 PM
First target Rs 8  before 20th September. Maal accumilate ho raha hi.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Ali Ahmed on September 06, 2012, 06:58:43 PM
Who has taken over HSBC? is it JS Bank. kindly let me know
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on September 07, 2012, 08:46:57 AM
Pata chal jayay ga bhai kuch din main. Just hold ur maal, don't sell it. :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on September 07, 2012, 04:13:49 PM
First target Rs 8  before 20th September. Maal accumilate ho raha hi.
:biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: mahmad786 on September 07, 2012, 04:26:56 PM
Pata chal jayay ga bhai kuch din main. Just hold ur maal, don't sell it. :biggthumpup:

Seems like it a good call.
Title: Re: JSBL -- JS Bank Ltd.
Post by: 87naeem on September 07, 2012, 08:40:57 PM
kia target hai is ka 8 k bad farooq sb
Title: Re: JSBL -- JS Bank Ltd.
Post by: asianstock on September 07, 2012, 11:14:34 PM
Any effects in the JSCL or JSIL.. After It's moving Up.. Is running alone?
Title: Re: JSBL -- JS Bank Ltd.
Post by: tac786 on September 08, 2012, 07:51:05 AM
First target Rs 8  before 20th September. Maal accumilate ho raha hi.

farzooq bhai buy karna chahye jsbl .........?
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on September 08, 2012, 09:13:25 PM
First target Rs 8  before 20th September. Maal accumilate ho raha hi.
Kindly tell any solid reason that jsbl can reach 8. Otherwise current rate is good to sell it.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tayyab2011 on September 09, 2012, 06:32:50 AM
Good solid reason is Satta  :skeptic:
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on September 09, 2012, 03:32:09 PM
Good solid reason is Satta  :skeptic:
I think that brother who told that It can go upto 8 he told with some logic but what is logic otherwise it's useless comment tukka kind of Ideas can be dangerous for public logic should be with it otherwise should avoid assumptions and Ideas
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on September 10, 2012, 09:50:34 AM
Hold ur maal , panic sell maat karna :biggthumpup: Inshallah aaj upperlock hai.
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on September 10, 2012, 10:34:45 AM
Hold ur maal , panic sell maat karna :biggthumpup: Inshallah aaj upperlock hai.
Abhe tk to 24 paise he above ha but bande ap koi solid ander (Inside) ke lgte ho. It will be good if you Ideas is exact.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on September 10, 2012, 10:54:58 AM
Hold ur maal , panic sell maat karna :biggthumpup: Inshallah aaj upperlock hai.
super  :biggthumpup:
dil kush kar dea app nay thou meray bhai  :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on September 10, 2012, 11:02:52 AM
News solid hai. 100% deliveries ho rahee hain. satta nahein hai. Inshahallah JSCL main bhi upward flight hai.  :thanks:

Secondly i hv not asked anybody for buying , i m just suggesting for holding ur maal.
Title: Re: JSBL -- JS Bank Ltd.
Post by: mkj04 on September 10, 2012, 11:15:34 AM
farooq  sb
kia baat hai
good call
wht abt jscl & anl?
Title: Re: JSBL -- JS Bank Ltd.
Post by: aliraza on September 10, 2012, 11:32:03 AM
News solid hai. 100% deliveries ho rahee hain. satta nahein hai. Inshahallah JSCL main bhi upward flight hai.  :thanks:

Secondly i hv not asked anybody for buying , i m just suggesting for holding ur maal.

jsbl merger news in mrkt
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on September 10, 2012, 03:42:52 PM
News solid hai. 100% deliveries ho rahee hain. satta nahein hai. Inshahallah JSCL main bhi upward flight hai.  :thanks:

Secondly i hv not asked anybody for buying , i m just suggesting for holding ur maal.

jsbl merger news in mrkt

:O kiskayz saath ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: TechGuru on September 10, 2012, 04:11:35 PM
HSBC pakistan is merging with JSBL!
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on September 10, 2012, 05:59:51 PM
HSBC pakistan is merging with JSBL!

hmm i think 3-4 banks had been given permission to see books of hsbc pakistan. will they get OIB as well ? since its also part of hsbc now  ..
Title: Re: JSBL -- JS Bank Ltd.
Post by: rehanbari on September 10, 2012, 06:27:50 PM
HSBC pakistan is merging with JSBL!

hmm i think 3-4 banks had been given permission to see books of hsbc pakistan. will they get OIB as well ? since its also part of hsbc now  ..

its merger or acquiring HSBC  ????????????
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on September 10, 2012, 06:32:01 PM
HSBC pakistan is merging with JSBL!

hmm i think 3-4 banks had been given permission to see books of hsbc pakistan. will they get OIB as well ? since its also part of hsbc now  ..

its merger or acquiring HSBC  ????????????

acquiring probably .. exchange of shares will not make much sense for hsbc if they want to exit
pakistani market
Title: Re: JSBL -- JS Bank Ltd.
Post by: Ali Ahmed on September 10, 2012, 07:21:20 PM
I agree. HSBC is pulling out of Pakistan and hence would look for a full exit rather than a partial one
Title: Re: JSBL -- JS Bank Ltd.
Post by: th3.inv3stor on September 10, 2012, 11:18:54 PM
HSBC pakistan is merging with JSBL!

I agree. HSBC is pulling out of Pakistan and hence would look for a full exit rather than a partial one

HSBC to sell all its 10 branches in pakistan to JSBL. value of assets about 635M$. GEO
Title: Re: JSBL -- JS Bank Ltd.
Post by: asim.786 on September 10, 2012, 11:58:24 PM
HSBC to sell its Pakistani business to JS Bank
By AFP
Published: September 10, 2012

It made a $22 billion profit last year, the largest by a western bank, but costs continue to rise and its return on equity was 10.9%, short of its 12-15% target.
LONDON: Banking giant HSBC on Monday said it had agreed to sell its operations in Pakistan comprising 10 branches to the Asian country’s JS Bank Limited for an undisclosed sum.
The British lender said the sale, which it expects to complete in the final quarter of the year, represented further progress in its strategy to shed non-core assets to slash group costs.
“HSBC Bank Middle East Limited (HBME), an indirect wholly-owned subsidiary of HSBC Holdings plc, has entered into an agreement to sell its banking business in Pakistan to JS Bank Limited,” it said in a statement.
“The transaction, which is subject to regulatory approval and the approval of the direct shareholders in HBME and JS Bank Limited, is expected to complete in the final quarter of 2012.
“It represents further progress in the execution of the HSBC Group strategy.”
HSBC said that as of June 30, the bank’s Pakistan business had gross assets of about $635 million (496 million euros).
HSBC is Europe’s biggest bank by assets, was founded in Hong Kong, and sees Asia as its main market despite being headquartered in London.
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Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on September 11, 2012, 05:54:08 AM
this was the reason behind my call. Enjoy the ride.  :biggthumpup: :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: 87naeem on September 11, 2012, 08:53:19 AM
Farooq bhai kahan tak ja sakta hai
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tayyab2011 on September 11, 2012, 10:26:12 AM
this was the reason behind my call. Enjoy the ride.  :biggthumpup: :biggthumpup:

Excellent
Title: Re: JSBL -- JS Bank Ltd.
Post by: shaharyarz on September 11, 2012, 10:04:11 PM
Today JSBL wrnt down quite a bit :S
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farzooq on September 12, 2012, 10:33:09 AM
Highlights
 
•         JS Bank to get much more than the customer base
 
•         Yet to break through the tier
 
•         Will the deposit base remain intact post acquisition?   
 
As per news sources, HSBC Bank has agreed to sell its Pakistani operations to JS Bank Limited. The transaction is subject to regulatory approval and the approval of the stake holders of both parties (HBME and JSBL). In today’s Value Seeker we present our analysis of the balance sheet of JSBL post acquiring HSBC’s local operation.
 
JS Bank to get much more than the customer base
 
Contrary to popular opinion, JSBL’s interest in HSBC’s Pakistani operation has to do with much more than its premium customer base. As per our understanding the prime factors that made the former to acquire the latter are 1) HSBC’s strong footprint in the consumer banking segment, something which JSBL lacks. 2) Enhancing the tier 1 capital of the bank, as JS Bank had fallen short on State Bank of Pakistan’s (SBP) prescribed Minimum Capital Requirement (MCR) during CY11 and face the music this time around, as the MCR has been raised to Rs9bn (For CY12). 3) Superior Information Technology Infrastructure and 4) better risk management parameters of HSBC, which are highlighted by the infection ratio of mere 3% during 1HCY12 against JSBL’s12% during the same period.
 
Yet to break through the tier
 
We have divided local banking system into 5 tiers for better understanding of the sector, and JSBL has been placed in the local lower banks tier, and is expected to remain in the tier despite the acquisition of HSBC’s business. We foresee (on the basis of 1HCY12 figures) JSBL post acquiring HSBC’s business to have assets of ~Rs124bn as compared to assets of ~Rs65bn prior the acquisition of HSBC. In which, the advances and deposits are expected to be bolstered by 103% and 76% respectively. Moreover, the deposit base of the bank is expected to be jacked up by ~90%. However, the most potent advantage is expected to be the escalation of 105% to be witnessed under the tier one capital head. This move also brings down the leverage of the bank from 8.33x pre-acquisition to 7.79x post-acquisition, providing bank with further stability. Furthermore, post acquisition bank’s infection ratio is expected to come down massively by 500bps to 7% due to better risk management systems of HSBC.
 
Will the deposit base remain intact post acquisition?
 
HSBC is classified as the premier top tier foreign bank, which enhances its ability to target high net worth individuals as its depositors, and these depositors can very well flee the bank prior to the acquisition. We also feel that JS Bank would require a serious marketing overhaul and needs to position itself as a premium brand if it wants to keep the same customer base that HSBC enjoyed.

investcap
Title: Re: JSBL -- JS Bank Ltd.
Post by: shaharyarz on September 14, 2012, 08:29:00 AM
Is there any news on JSBL going up. I bought the stock at 6.10 before the news of HSBC selling operations to JSBL
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on September 14, 2012, 02:56:12 PM
Still suggesting for hold. 5.75 pay resistance hai.Inshahallah  upward move karay ga. However , anybody in profit should go for realization.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on September 14, 2012, 03:39:18 PM
Still suggesting for hold. 5.75 pay resistance hai.Inshahallah  upward move karay ga. However , anybody in profit should go for realization.
already sold t 6.4  :shoaby:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on September 17, 2012, 12:31:54 PM
AKD Daily
Banks: Volumes in smaller banks

Banks have underperformed the KSE-100 Index by 6% since Aug 10’12 when the DR was cut by 150bps to 10.5%. Margin compression concerns have come to the fore particularly for the larger banks with their NIMs standing to contract the most. That said, not all banks have lost out – Tier III banks (assets < PkR100bn) have gained a stellar 81%CYTD, easily outperforming the Big-6 and the Index. Some of these banks that have bucked the trend include JSBL, NIB and JSBL, which are up 14.7%, 11.6% and 1.3%, respectively, since Aug 10’12. For JSBL, acquisition of HSBC Pakistan operations will not only improve the bank’s profile but should also lead to bargain purchase gains where the deal is likely to take place below book value. In NIB’s case, while the bank has achieved breakeven it still appears pricey on P/B (trailing: 1.85x). As such, recent investor excitement could be due to market murmurs of potential change in ownership. BIPL has also attracted strong volumes of late which could be attributable to the emergence of a stronger sponsor profile (main sponsor Dubai Bank to merge with Emirates Islamic Bank) and subsequent positives for future capital requirements.
JSBL-HSBC: JSBL has entered into a SPA for the acquisition of HSBC Pakistan operations. With HSBC Pakistan’s net assets standing at PkR8.125bn on Jun 30’12, any deal price below this amount would generate bargain purchase gains for JSBL, likely taken directly to equity g oing by the FABL-RBS deal. Ceteris paribus, a deal price of US$65mn should increase JSBL’s book value by PkR1.95/share to PkR11.0/share at current no. of shares, implying an effective P/B multiple of just 0.55x for JSBL.  Assuming JSBL’s P/B again rerates to 0.65x, share price could potentially cross PkR7/share, in our view.NIB- attracting volumes: NIB posted NLAT of PkR44.9mn (LPS: PkR0.004) in 1HCY12 vs. NLAT of PkR1.25bn (LPS: PkR0.31) in 1HCY11, an improvement driven by higher NII and lower provisions. The bank broke even in 2QCY12 with NPAT of PkR83.5mn (EPS: PkR0.01). While there has been a clear improvement in profitability, NIB still appears pricey on trailing P/B (1.85x). As such, we attribute recent excitement in the stock to market murmurs of a potential change in ownership. Dewan Group’s potential restructuring also remains a key trigger for NIB.   

BIPL – change in sponsor? BIPL has gained 1.3% since Aug 10’12 but has witnessed strong volumes. In this regard, Dubai Bank which owns 24.82% of BIPL is likely to merge with Emirates Islamic Bank (both DUB and EIB are in turn owned by Emirates NBD). Upon merger, although there won’t be a change in ownership per se and no tender offer under the Takeover Ordinance, BIPL may emerge with a stronger main sponsor which should ease future capital raising requirements (BIPL has announced a PkR800mn rights @PkR3.92/share but will likely require further capital injections across next few years to meet MCR requirement of PkR10bn even as CAR space is ample).

.

Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on September 17, 2012, 11:05:14 PM
Jsbl to lgta ha ab gya apne purane rate pe wapis neechay
Title: Re: JSBL -- JS Bank Ltd.
Post by: Ali Ahmed on September 28, 2012, 12:19:11 AM
i consider myself lucky to have come out at 6 after making 18% returns.

Can anyone suggest if this is the rite time to re enter at 5.33 ...

Title: Re: JSBL -- JS Bank Ltd.
Post by: Akif on September 28, 2012, 02:26:40 AM
Still suggesting for hold. 5.75 pay resistance hai.Inshahallah  upward move karay ga. However , anybody in profit should go for realization.
already sold t 6.4  :shoaby:

Jsbl to lgta ha ab gya apne purane rate pe wapis neechay
umer bhai kia maza aya tha jub hsbc waley news ayai thi orr janta jsbl koo khareednay kay lea dhoor parey thi. i sold at 6.4  :dance
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on September 29, 2012, 01:52:40 PM
Still suggesting for hold. 5.75 pay resistance hai.Inshahallah  upward move karay ga. However , anybody in profit should go for realization.
already sold t 6.4  :shoaby:

Jsbl to lgta ha ab gya apne purane rate pe wapis neechay
umer bhai kia maza aya tha jub hsbc waley news ayai thi orr janta jsbl koo khareednay kay lea dhoor parey thi. i sold at 6.4  :dance
Akif bhai maza ane ka to pta nhe but mane 5.10 pe buy kia that aur 5.65 pe sale ker dia tha bad me daal me kuch kala lag rha tha bad me buy karne she nhe lga jo k sahe decision tha
Title: Re: JSBL -- JS Bank Ltd.
Post by: shaharyarz on November 12, 2012, 12:05:29 PM
JSBL is raising quite significantly. Is there any expectation of how much it should reach this week or will it turn around and go down again?
Title: Re: JSBL -- JS Bank Ltd.
Post by: rehanbari on November 12, 2012, 03:46:12 PM
JSBL is raising quite significantly. Is there any expectation of how much it should reach this week or will it turn around and go down again?

HSBC Bank Acquiring news is pending which suppose to happen in November.

:fingerscrossed1: Let see
Title: Re: JSBL -- JS Bank Ltd.
Post by: sanwar on November 12, 2012, 05:07:33 PM
It is not pending... rather it is done.
I can say so, because I have account in HSBC and I received letter from the bank few weeks back.
Title: Re: JSBL -- JS Bank Ltd.
Post by: bkapadia on November 12, 2012, 05:39:24 PM
What a come back today from 5.99 to 50 paisa up  :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on November 12, 2012, 07:08:13 PM
HSBC operations consist of good corporate clients and i think it will help JS bank to improve its book.
Title: Re: JSBL -- JS Bank Ltd.
Post by: sanwar on November 13, 2012, 08:53:02 AM
@Qadir bhai, you are right corporate accounts can help improve their books...
In my opinion, most of corporates came into HSBC net due to its foreign affiliation.
To retain these clients, JSBL will need to pamper these account holders and provide them added value and extraordinary service...

Frankly speaking, I could not gather enough courage to trade in this script or anything that starts with JS.... :)
But I extend good luck to everyone who got the courage...!
Title: Re: JSBL -- JS Bank Ltd.
Post by: bkapadia on November 14, 2012, 02:45:40 PM
Good volume today, maybe a JSBL rally is around the corner... :clap1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on November 14, 2012, 04:15:59 PM
Jsbl ne same wohe movement dikhe 1.5 months back wale when it touched 6.50 and declined very fast
Title: Re: JSBL -- JS Bank Ltd.
Post by: mahmad786 on November 14, 2012, 04:35:35 PM
Jsbl ne same wohe movement dikhe 1.5 months back wale when it touched 6.50 and declined very fast

Now you remember this movement and exit at 6.5 next time and it see it will rise to 7.5 :)
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farzooq on November 18, 2012, 10:25:32 AM
With HSBC acquisition, JS Bank shows its deal-making savvy
By Farooq Tirmizi
Published: November 18, 2012

 BLEEDING ASSETS: Rs10b is the value of deposits that left HSBC after the announcement of the acquisition deal, according to sources.

KARACHI: 
Deal structure is not often an element of merger strategy that Pakistani corporations pay attention to; but with its acquisition of HSBC Pakistan, JS Bank has shown that paying attention can make all the difference in the world.
 
The key element to the deal structure appears to be the pricing formula: JS Bank made the announcement soon after concluding an agreement with HSBC Bank Middle East – the parent of HSBC’s Pakistan operations. Quite strangely, it announced the deal without actually having agreed upon a final price.
 
For a listed company acquiring an unlisted asset, this is a highly unusual strategy, especially since the stock of the acquiring company in most mergers typically tends to go down anyway. So why would JS Bank saddle its shareholders with even more uncertainty about just how much will actually be paid out for its acquisition? And why would it make it a point to announce the deal before finalising all of the agreements?
 
The reason is simple: JS Bank is learning from Faysal Bank’s mistakes. When Faysal Bank acquired the Royal Bank of Scotland’s Pakistani subsidiary, it had bought a bank that it thought had Rs105 billion in assets and Rs77 billion in deposits. The problem for Faysal Bank was that within months of the acquisition, a large proportion of those deposits – as much as 40% according to some sources in the banking sector – left the bank, with most going to Standard Chartered Bank Pakistan.
 
Banking assets are not like the assets of manufacturing companies: they depend upon acquiring and retaining a client base of depositors. Many of RBS Pakistan’s clients were multinational firms that are required by their global parent companies to do the majority of their banking – and keep the majority of their deposits – in multinational banks.
 
When RBS sold off its Pakistani subsidiary to Faysal Bank, many of those clients moved their deposits. Some went to Citibank and Barclays, but most went to Standard Chartered Bank, the largest foreign bank in Pakistan and the one that appears least likely to leave Pakistan any time soon.
 
Faysal Bank did not overpay for RBS Pakistan, paying around half of the book value. But given the fact that so many of those deposits did not end up staying at Faysal Bank must have made their management feel that they got less value for what they paid for. JS Bank, it seems, had been paying attention, and did not want to make that mistake.
 
Sources in the banking sector say that soon after the announcement that HSBC would be selling its Pakistan operations to JS Bank, at least Rs10 billion in deposits have left the bank and come into Standard Chartered Bank. That amount is equal to approximately 22% of the bank’s total deposit base.
 
The reason for announcing the deal while agreeing on a price mechanism appears to have been designed to avoid the trap that Faysal Bank fell into: the skittish depositors will have already left by the time JS takes control of HSBC Pakistan, and the pricing formula will likely adjust to take into account the smaller asset base and the lower deposits, saving JS Bank significant money on its acquisition price.
 
A spokesperson for JS Bank did not respond to requests for comment on the matter. The bank has been tight-lipped about the specifics of the formula and whether or not it was intended to benefit the bank in a situation where its acquisition target began losing assets.
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on December 12, 2012, 10:48:18 PM
Due to consisting decline in jsbl from 6.50 to 6 at what maximum level it can decline which will best to buy it? bcoz it's good script in bouncing back (to go up again)
Title: Re: JSBL -- JS Bank Ltd.
Post by: newface on December 13, 2012, 12:11:40 AM
I think Rs. 1.00
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on December 13, 2012, 01:20:28 AM
I think Rs. 1.00
bhai tum bangladeshi stock exchange k jsbl ke bat ker rhe ho k somalian stock exchange k jsbl ke jo rs 1 keh dia or/ya abhe tak kse k old times ka rate me reh rhe ho
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on December 13, 2012, 01:20:42 AM
I think Rs. 1.00
Title: Re: JSBL -- JS Bank Ltd.
Post by: Muhammad Asif Alvi on February 10, 2013, 07:56:11 PM
Aslamoalikum,
Bhiao iski bari lag rahi ha because sara js group chal para ha. :confused1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on February 13, 2013, 08:19:37 PM
Buy on Dips target 8+ Insha ALLAH.
Title: Re: JSBL -- JS Bank Ltd.
Post by: sanwar on February 13, 2013, 08:44:54 PM
Buy on Dips target 8+ Insha ALLAH.
@Qadir bhai, any rough timeframe for this target...??
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on February 15, 2013, 05:25:05 PM
Buht tezi hai Insha ALLAH
Buy krtay rho below 6
Title: Re: JSBL -- JS Bank Ltd.
Post by: newface on February 15, 2013, 11:59:00 PM
Buy on Dips target 8+ Insha ALLAH.

Sir koi time frame ????
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on February 19, 2013, 08:16:18 PM
Buht maal jama ho rha hai , rally will be more strong Insha ALLAH.
Title: Re: JSBL -- JS Bank Ltd.
Post by: MMQ on February 20, 2013, 01:59:29 PM
Buht maal jama ho rha hai , rally will be more strong Insha ALLAH.

Qadir Bhai, any time frame when the upward trend will start? I am buying continuously at 5.85
Title: Re: JSBL -- JS Bank Ltd.
Post by: tariqaziz on February 20, 2013, 11:12:39 PM
may be announce board meeting date on 21/02/2013 on kse web site.
Title: Re: JSBL -- JS Bank Ltd.
Post by: tariqaziz on February 20, 2013, 11:21:22 PM
JSBL 9 MONTH EPS IS 0.74 MAY BE FULL YEAR EPS 1.10 THEN JSBL PRICE EARNING RATIO IS 10.4                                                         
ITS MEAN 1.10X10.4=11.44 KYA JSBL KI VALUE 11.44 BANTI HAI  ITS TRUE  PLEASE ABDUL QADIR GUIDE.
Title: Re: JSBL -- JS Bank Ltd.
Post by: sh_bangash on February 21, 2013, 02:51:40 AM
Abdul Qadir sb, are you refering to JS Bank (JSBL) or JS V?

regards,
Shahid.
Title: Re: JSBL -- JS Bank Ltd.
Post by: tariqaziz on February 21, 2013, 07:44:11 AM
MR SHAHID                                                                                                                                                                                             
ABDUL QIDIR IS REFERING JAHANGIR SIDDIQUI BANK LIMITED.
Title: Re: JSBL -- JS Bank Ltd.
Post by: sh_bangash on February 21, 2013, 02:21:05 PM
Thank you TariqAziz!

Guys, Any idea of time frame?

regards,
Sh.
Title: Re: JSBL -- JS Bank Ltd.
Post by: tariqaziz on February 21, 2013, 11:28:21 PM
JSBL MOVEMENT  SEEN IN COMING 10 TO 15 DAYS AFTER FULL YEAR ANNOUNCEMENT CY 12.
Title: Re: JSBL -- JS Bank Ltd.
Post by: sh_bangash on February 22, 2013, 01:31:27 AM
Thank you and much appreciated dear TariqAziz!
Title: Re: JSBL -- JS Bank Ltd.
Post by: co2 on February 22, 2013, 07:45:01 AM
look gud
hold it
Title: Re: JSBL -- JS Bank Ltd.
Post by: ali.zia194 on February 22, 2013, 11:08:34 AM
http://www.kse.com.pk/notices-updates/detail2.php?id=4&nid=041577

BM March 1
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on February 24, 2013, 11:46:32 AM
Buy on Dips target 8+ Insha ALLAH.


1.2-1.3 billion profit expected for full year.
Laooooo
Title: Re: JSBL -- JS Bank Ltd.
Post by: tariqaziz on February 24, 2013, 11:56:49 AM
GOOD CALCULATION MR ABDUL QADIR AB TOU INSHA ALLAH 8+ LAOOOOOO MAAL JSBL  :dance
Title: Re: JSBL -- JS Bank Ltd.
Post by: DEVDAS on February 24, 2013, 12:28:46 PM
Buy on Dips target 8+ Insha ALLAH.


1.2-1.3 billion profit expected for full year.
Laooooo

It means EPS of 1.25 against .42 of last month. Growth of almost 200%. With HSBC acquisition can easily go to 10+.
Title: Re: JSBL -- JS Bank Ltd.
Post by: asianstock on February 24, 2013, 12:39:52 PM
Buy on Dips target 8+ Insha ALLAH.


1.2-1.3 billion profit expected for full year.
Laooooo



It means EPS of 1.25 against .42 of last month. Growth of almost 200%. With HSBC acquisition can easily go to 10+.


Laooooooooooooooooooooooooooooooo Pora  Group ..... JSBL.. JSIL.. JSCL  :shoaby:  :shoaby:  :shoaby:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Salammembers on February 24, 2013, 02:07:44 PM
Brother slow down,
agar kse aur esp js saay Kamana itna easy hota tu js Group khud
kse maay regularly SATTA-WATTA na khail raha hota ,
i got jscl and jsil but prepared for the WORST -continuous 2-3 LL
or atleast single LL tomorrow hence better get your plan B ready before tomorrow
morning yours sincerely salam
Title: Re: JSBL -- JS Bank Ltd.
Post by: Salammembers on February 25, 2013, 03:55:35 PM
Brother slow down,
agar kse aur esp js saay Kamana itna easy hota tu js Group khud
kse maay regularly SATTA-WATTA na khail raha hota ,
i got jscl and jsil but prepared for the WORST -continuous 2-3 LL
or atleast single LL tomorrow hence better get your plan B ready before tomorrow
morning yours sincerely salam
    js pehlaay boti from good distance dikhta, phir boti mouth k qareeb lata haay and jaisaay hee boti mouth k andar gaayaee and u r about to Chew it, boti mu saay snatched and he disappears  :bangin:  and the classical act was played again today in jsil :tongue:
Title: Re: JSBL -- JS Bank Ltd.
Post by: MMQ on February 27, 2013, 10:39:25 AM
isko bhi koi chalae.. :confused1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on February 27, 2013, 05:23:29 PM
Full teziiiiiiiiiiiiiii :D
Title: Re: JSBL -- JS Bank Ltd.
Post by: shujah on February 27, 2013, 10:47:59 PM
strong by call of JSBL, utha lo fer na kehna btaya nai
Title: Re: JSBL -- JS Bank Ltd.
Post by: MMQ on March 01, 2013, 09:40:59 AM
Full teziiiiiiiiiiiiiii :D

movement shuru hai.... :clap1:...qadir bhai results aaj announce honge?
Title: Re: JSBL -- JS Bank Ltd.
Post by: Muhammad Asif Alvi on March 01, 2013, 10:07:16 AM
js bank board meeting now on 04 march 2013 03 pm. Today Kse announcement.
Title: Re: JSBL -- JS Bank Ltd.
Post by: hash on March 02, 2013, 03:26:32 PM
It lookz as if this share is hibernating :p
Title: Re: JSBL -- JS Bank Ltd.
Post by: Salammembers on March 02, 2013, 10:26:26 PM
Buy on Dips target 8+ Insha ALLAH.


1.2-1.3 billion profit expected for full year.
Laooooo
   senior accounts dept ka banda informs js has recently awarded staff members for their hardwork - old cars replaced with most recent model and this member c jsbl  share price at 10 in 12- 18 months matbal not so attractive for double shah fans
Title: Re: JSBL -- JS Bank Ltd.
Post by: tariqaziz on March 03, 2013, 11:15:34 AM
hum nay kab kaha k jsbl ko double shah karo hamey tou bas 8+ chaheye.Tuesday is all JS item day. :good
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 03, 2013, 07:57:11 PM
JSBL Payout over Last 5 years

(http://i281.photobucket.com/albums/kk233/mbby2k/jsblpayout_zps39386719.png)

JSBL EPS Last 5 Years

(http://i281.photobucket.com/albums/kk233/mbby2k/jsbl_zpsc2a0359f.png)

JSBL is going to announcement the best annual result since the last 5 years, and if qadir sb estimate of 1.2Bn Profit after tax is correct that would mean an eps of 1.09 Re / Share, considering the current price of 5.90 that is pretty cheap valuation.

Seeing the trend in js items it it manages to announce 10 % dividend it would really sweeten the deal.

You dont need to be insider to see that the bank has managed a turn around, only thing missing is price appreciaition to reflect the positve developements  :fingerscrossed1:

Laooo JS uncle thori sharam karain  :laugh:
Title: Re: JSBL -- JS Bank Ltd.
Post by: newface on March 03, 2013, 08:37:02 PM
JSBL BooM BooM ho sakta he ???????
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on March 03, 2013, 10:14:29 PM
JSBL Payout over Last 5 years

(http://i281.photobucket.com/albums/kk233/mbby2k/jsblpayout_zps39386719.png)

JSBL EPS Last 5 Years

(http://i281.photobucket.com/albums/kk233/mbby2k/jsbl_zpsc2a0359f.png)

JSBL is going to announcement the best annual result since the last 5 years, and if qadir sb estimate of 1.2Bn Profit after tax is correct that would mean an eps of 1.09 Re / Share, considering the current price of 5.90 that is pretty cheap valuation.

Seeing the trend in js items it it manages to announce 10 % dividend it would really sweeten the deal.

You dont need to be insider to see that the bank has managed a turn around, only thing missing is price appreciaition to reflect the positve developements  :fingerscrossed1:

Laooo JS uncle thori sharam karain  :laugh:

highly doubt state bank will allow them to pay dividend as they barely meet capital requirements.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on March 03, 2013, 10:34:15 PM
JSBL Payout over Last 5 years

(http://i281.photobucket.com/albums/kk233/mbby2k/jsblpayout_zps39386719.png)

JSBL EPS Last 5 Years

(http://i281.photobucket.com/albums/kk233/mbby2k/jsbl_zpsc2a0359f.png)

JSBL is going to announcement the best annual result since the last 5 years, and if qadir sb estimate of 1.2Bn Profit after tax is correct that would mean an eps of 1.09 Re / Share, considering the current price of 5.90 that is pretty cheap valuation.

Seeing the trend in js items it it manages to announce 10 % dividend it would really sweeten the deal.

You dont need to be insider to see that the bank has managed a turn around, only thing missing is price appreciaition to reflect the positve developements  :fingerscrossed1:

Laooo JS uncle thori sharam karain  :laugh:

highly doubt state bank will allow them to pay dividend as they barely meet capital requirements.

 Aik rupay aur 10 paisa kama kar Soneri bank sath rupay say chaiy rupay may aagaya. Is bank ko to is lihaz say Panch rupay ka hona chahiyeh.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on March 04, 2013, 01:26:32 AM
JSBL Payout over Last 5 years

(http://i281.photobucket.com/albums/kk233/mbby2k/jsblpayout_zps39386719.png)

JSBL EPS Last 5 Years

(http://i281.photobucket.com/albums/kk233/mbby2k/jsbl_zpsc2a0359f.png)

JSBL is going to announcement the best annual result since the last 5 years, and if qadir sb estimate of 1.2Bn Profit after tax is correct that would mean an eps of 1.09 Re / Share, considering the current price of 5.90 that is pretty cheap valuation.

Seeing the trend in js items it it manages to announce 10 % dividend it would really sweeten the deal.

You dont need to be insider to see that the bank has managed a turn around, only thing missing is price appreciaition to reflect the positve developements  :fingerscrossed1:

Laooo JS uncle thori sharam karain  :laugh:

highly doubt state bank will allow them to pay dividend as they barely meet capital requirements.

 Aik rupay aur 10 paisa kama kar Soneri bank sath rupay say chaiy rupay may aagaya. Is bank ko to is lihaz say Panch rupay ka hona chahiyeh.


Soneri banks management style is off conservative approach, where JSBL management believes in aggressiveness. 
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 04, 2013, 01:59:51 AM

Aik rupay aur 10 paisa kama kar Soneri bank sath rupay say chaiy rupay may aagaya. Is bank ko to is lihaz say Panch rupay ka hona chahiyeh.


Possible hai  :(
Title: Re: JSBL -- JS Bank Ltd.
Post by: hash on March 04, 2013, 10:45:02 PM
Jsb i seldom c this bank performing  :crying_anim02: ... now lets c what itz bm has to offer ...
Title: Re: JSBL -- JS Bank Ltd.
Post by: junaidph on March 04, 2013, 10:55:50 PM
Jsb i seldom c this bank performing  :crying_anim02: ... now lets c what itz bm has to offer ...

js employees getting huge bonuses , incentives , banks branches increasing bank getting sound n better , will be in top ranking soon , this is insight just got from a friend who is at highest post in jsbl. result could be strong
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on March 05, 2013, 07:19:06 AM
Jsb i seldom c this bank performing  :crying_anim02: ... now lets c what itz bm has to offer ...

js employees getting huge bonuses , incentives , banks branches increasing bank getting sound n better , will be in top ranking soon , this is insight just got from a friend who is at highest post in jsbl. result could be strong
Right brother but all the banks are having good eps but their rates are low and running on low multiples. majority because of the govt landing and slow economic growth bcz of low private landing. what seniors say? would we see some current in economy?
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 05, 2013, 09:26:38 AM
7 paisa loss in last quarter

ley maaal
Title: Re: JSBL -- JS Bank Ltd.
Post by: MMQ on March 05, 2013, 10:45:09 AM

Aik rupay aur 10 paisa kama kar Soneri bank sath rupay say chaiy rupay may aagaya. Is bank ko to is lihaz say Panch rupay ka hona chahiyeh.


Possible hai  :(


Qadir bhai, hold karain?
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 05, 2013, 10:49:10 AM
Jsb i seldom c this bank performing  :crying_anim02: ... now lets c what itz bm has to offer ...

js employees getting huge bonuses , incentives , banks branches increasing bank getting sound n better , will be in top ranking soon , this is insight just got from a friend who is at highest post in jsbl. result could be strong

your freind is feeding you crap man, seriously he purports to know a lot about jscl but every prediction you made with reference to him about js group sucks big time

Please re check if the guy is your freind or not lol

PS: i am not blaming you for anything by the way  :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: junaidph on March 05, 2013, 10:57:10 AM
Jsb i seldom c this bank performing  :crying_anim02: ... now lets c what itz bm has to offer ...

js employees getting huge bonuses , incentives , banks branches increasing bank getting sound n better , will be in top ranking soon , this is insight just got from a friend who is at highest post in jsbl. result could be strong

your freind is feeding you crap man, seriously he purports to know a lot about jscl but every prediction you made with reference to him about js group sucks big time

Please re check if the guy is your freind or not lol

PS: i am not blaming you for anything by the way  :biggthumpup:

yar i was talking with reference to js bank recent reforms and changes made by top management , i was not talking about jscl particularly , jsbl k share k baray me baat nai ki just about bank inside condition, hope u got it .
jscl k baaray me i was absolutely right maal nai dia result was manipulated and thok dia maal jis ne nai chora , oh come on 007 just analyse it , he was spot on my dear about jscl.
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 05, 2013, 11:03:48 AM
well lets put it to the test

JSCL ki ky a news hai app kay insider kay passs
Title: Re: JSBL -- JS Bank Ltd.
Post by: junaidph on March 05, 2013, 11:44:07 AM
well lets put it to the test

JSCL ki ky a news hai app kay insider kay passs

yar honestly my insider was not bullish untill maal wapis mil jaiy js ko but nai mila to result was manipulated , i called him in morning he said downside is limited now hold it thats it ,

I was holding on advice of a.qadir yar he was very bullish 25 for jscl  , 8 for jsbl, that changed my decision absolutely  huhu
Title: Re: JSBL -- JS Bank Ltd.
Post by: sh_bangash on March 05, 2013, 01:03:08 PM
Hello Junaidph,
yeh JSBL k sath kia start hay last one week say...5.96 say backward safaar start kar dia is nay?

A.Qadir, kia ap ki advice intact hay on JS items?
Title: Re: JSBL -- JS Bank Ltd.
Post by: kashif.ak on March 05, 2013, 01:06:21 PM
Should jsbl be bought now for long term? Or should wait for further downside if any? Senior Pls comment
Title: Re: JSBL -- JS Bank Ltd.
Post by: Salammembers on March 05, 2013, 01:22:08 PM
Should jsbl be bought now for long term? Or should wait for further downside if any? Senior Pls comment

Basic Rule no 1-
mandee maay buy solid scrips at cheap rate
and tezi maay kachra ziada teez bhagta haay :tongue:
jsbl needs couple of years sustained improvement before
it can b taken seriously,at present  bipl probably better prospect but after
todays result both have become unattractive for short term holding

 
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on March 05, 2013, 05:42:07 PM
Ya sub information leak krna ka consequence hai ,  i have decided to stop all these prior buy calls
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on March 05, 2013, 06:03:06 PM
Ya sub information leak krna ka consequence hai ,  i have decided to stop all these prior buy calls

Brother. the next rally is of banks for sure.
during next 3 months upto june the rates might change in good +ve
investers have chances of liftime
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abid_ali on March 05, 2013, 06:17:56 PM
Ya sub information leak krna ka consequence hai ,  i have decided to stop all these prior buy calls

Brother. the next rally is of banks for sure.
during next 3 months upto june the rates might change in good +ve
investers have chances of liftime
Qadir sb has given more than 100 buy calls if some has not cliked than what he can do.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abid_ali on March 05, 2013, 06:18:12 PM
Ya sub information leak krna ka consequence hai ,  i have decided to stop all these prior buy calls

Brother. the next rally is of banks for sure.
during next 3 months upto june the rates might change in good +ve
investers have chances of liftime
Title: Re: JSBL -- JS Bank Ltd.
Post by: rehanbari on March 05, 2013, 06:52:28 PM
Ya sub information leak krna ka consequence hai ,  i have decided to stop all these prior buy calls

KSE IS FULL OF EXPERIANCE SO YOU GOT ONE TODAY  :good
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 05, 2013, 07:25:07 PM
Ya sub information leak krna ka consequence hai ,  i have decided to stop all these prior buy calls

You are saying that your buy calls resulted in big b's manipulating the price and result outcomes  :o

In that case you must be real warm waters

Or u are not happy at the criticism I am confused  :confused1:

Any ways jsbl result was not bad at all good volumes were hit and the downside is 5.03 after that hell can break loose coz I will be out

I think it's not bad buy bipl is also showing same eps and trading near 8 so it's not far fetched rate

Alas 50 k paray hai meray pass 5.80 ki avg say let's hope for the best and prepare for the worst
Title: Re: JSBL -- JS Bank Ltd.
Post by: armughan on March 05, 2013, 07:59:03 PM
 Qadir bahi you yourself know it pretty well that you have helped members countless times in taking huge sum of profit home. Just one event i hope will not kill your helping character.  :thanks:  :good
Title: Re: JSBL -- JS Bank Ltd.
Post by: Salammembers on March 05, 2013, 08:44:48 PM
Ya sub information leak krna ka consequence hai ,  i have decided to stop all these prior buy calls
   sir, come out of denial, auditors report do not change overnight. Js is too big for these forums .also, js naay aaj b wohi kia joo woo hamaisha karta raha haay  :rtfm: your call was genuine but I think u underestimated js record and current mkt sentiments , I did same when I bought ecop and buxly last week regards salam
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on March 05, 2013, 09:31:14 PM
I am not saying this due to criticism , still sure that JSBL will cross 8+ in medium term but these buy calls are impacting the movement of share prices and today i got to know from my bosses.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Salammembers on March 05, 2013, 09:48:16 PM
Qadir bro,
its possible and i too have observed this kind of thing few times,
however,
after lot of thinking i concluded though big boys got agents who deliberately misdirect
group members on different kse related forums, sometime giving very
high target to attract greedy buyers and at other times cause forced /premature selling
from nervy investors.
However, v need to differentiate between such fake calls and unrealistic expectations/bad judgement.
in my view JSBL, JSCL ,JSGCL and BIPL  r for very experienced and sophisticated kse players,
unfortunately most of us condemn JS for satta but simultaneously cannot resist attraction of quick
and handsome gains  in js scrips  :bangin: v must CHANGE  and only then kse will CHANGE for us :tongue:
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 05, 2013, 11:13:06 PM
Well u should listen to your bosses we would not like for u to get in trouble calls ki khair hai

Jscl manipulation to hoti rehni hai

Please don't share info which might create problems
Title: Re: JSBL -- JS Bank Ltd.
Post by: lovegreen on March 06, 2013, 12:02:39 AM
I am not saying this due to criticism , still sure that JSBL will cross 8+ in medium term but these buy calls are impacting the movement of share prices and today i got to know from my bosses.
qadir bhai yeh medium term time kitna hoga kindly give idea to get jsbl 8 plus and one thing more ma apko blame na kar skta hoon na kronga 8 jae ya na jae bcoz I am asking so responsibilty bhe mere he hue apke kase ho skte ha so kindly share idea.
Title: Re: JSBL -- JS Bank Ltd.
Post by: M.Furrakh on March 06, 2013, 12:08:32 AM
qadir its just u who made mind of many investors for profits, and you are doing it as sadqa-e-jaria. Dont stop it.would u???????????????
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on March 06, 2013, 12:09:53 AM
Provision maar kr poori EPS ki baja de ...
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on March 06, 2013, 12:12:44 AM
qadir its just u who made mind of many investors for profits, and you are doing it as sadqa-e-jaria. Dont stop it.would u???????????????

Dude i will keep posting on threads but will avoid to give open buy calls on SMC.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on March 06, 2013, 12:13:04 AM
qadir its just u who made mind of many investors for profits, and you are doing it as sadqa-e-jaria. Dont stop it.would u???????????????

Dude i will keep posting on threads Insha ALLAH, but will avoid to give open buy calls on SMC.
Title: Re: JSBL -- JS Bank Ltd.
Post by: invincible on March 06, 2013, 12:15:48 AM
Provision maar kr poori EPS ki baja de ...


Bro, hold or sell krdyn?  :down:

Expected rebound time frame?
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on March 06, 2013, 03:06:43 PM
Provision maar kr poori EPS ki baja de ...

50 crore provision as well as 30 crore deferred tax bila zaroorat yani kay 0.8 rs per share ghapla hai.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on March 08, 2013, 02:54:09 PM
Provision maar kr poori EPS ki baja de ...

50 crore provision as well as 30 crore deferred tax bila zaroorat yani kay 0.8 rs per share ghapla hai.
Its quite near to 5 Rs per share. Not bad at all. It can go down to 4.5 Rs per share who cares!!!!
Title: Re: JSBL -- JS Bank Ltd.
Post by: DEVDAS on March 08, 2013, 11:31:18 PM
Provision maar kr poori EPS ki baja de ...

50 crore provision as well as 30 crore deferred tax bila zaroorat yani kay 0.8 rs per share ghapla hai.
Its quite near to 5 Rs per share. Not bad at all. It can go down to 4.5 Rs per share who cares!!!!

Much better Banks r in correction mode like BAHL, HBL, ABL, UBL. So better to think about JSBL. It would better to swap this bank with some other bank with better P/E. 
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 09, 2013, 12:44:40 AM
pe multiple of around 6

how many banks are better ???
Title: Re: JSBL -- JS Bank Ltd.
Post by: DEVDAS on March 09, 2013, 01:48:15 AM
pe multiple of around 6

how many banks are better ???

P/E of JSBL is 7.3 not 6.0, i.e., 5.08 / .70 = 7.3
I hv calculated P/E on today closing price and after adjustment of dividend & bonus announcement of few good banks. The future P/E on the basis of current results is as:

Bank   P/E
UBL   5.7
HBL   5.6
ABL   4.8
BAHL   5.0
FABL   5.0
BAFL   4.9
SCBPL   7.9
JSBL   7.3

Title: Re: JSBL -- JS Bank Ltd.
Post by: DEVDAS on March 09, 2013, 01:55:45 AM
one more thing banking sector will be in pressure till interest rate does not increase, so my advice is caution.
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 09, 2013, 12:19:00 PM
its eps was manipulated other wise it would be 1.1 / share

any ways i am stuck at 5.85
Title: Re: JSBL -- JS Bank Ltd.
Post by: sh_bangash on March 09, 2013, 02:39:04 PM
Future means, 3 , 6 , 9 or 12 months?

regards,
Sh.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on March 09, 2013, 09:38:21 PM
its eps was manipulated other wise it would be 1.1 / share

any ways i am stuck at 5.85

Its actual earning is almost 1.5 rupees per share so its price should not deviate for a prolong period.
Title: Re: JSBL -- JS Bank Ltd.
Post by: DEVDAS on March 09, 2013, 09:53:46 PM
its eps was manipulated other wise it would be 1.1 / share

any ways i am stuck at 5.85

Its actual earning is almost 1.5 rupees per share so its price should not deviate for a prolong period.

Please share the financial report or other source from where I could analyze to retain my investment in JSBL.
Title: Re: JSBL -- JS Bank Ltd.
Post by: obaid6 on March 10, 2013, 11:21:54 AM
its eps was manipulated other wise it would be 1.1 / share

any ways i am stuck at 5.85


Interesting fact is that "cyan limited" has jsbl's holdings of 3,054,000 shares as of dec 12. :skeptic:
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 10, 2013, 03:06:37 PM
why is it interesting
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 10, 2013, 03:34:27 PM
(http://i281.photobucket.com/albums/kk233/mbby2k/044b0f9f-0d5c-4f55-ba07-c169a0299546_zpsc573c570.jpg)

found support near this level twice already, will this scrip make another bottom over here? looks like it

laooo rebound karoo issay bhi
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 13, 2013, 12:32:18 AM
(http://i281.photobucket.com/albums/kk233/mbby2k/JSBL11_zps024c54ec.png)

draragon fly doji in a significant down trend

Theoretical performance: bullish reversal during a decline, otherwise indecision Tested performance: Reversal 50% of the time

baba bullowski
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on March 15, 2013, 10:18:33 AM
why is it interesting
Completely hanged
Neither moving down nor moving up. After loosing almost 1/6, there is no point of further loosing 1/5.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on March 30, 2013, 01:27:49 AM
11.3.1    The State Bank of Pakistan (SBP) vide its letter number BPRD/BRD(Policy)/2013-1857 dated February 15,
2013hasallowedtherelaxationtotheBank fromprovisionrequiredinrespectofBank’sexposureinAgritech
Limited. The provision will now be made in phased manner at 10% of the required provision by December
31, 2012 and subsequently at 25%, 50%, 75% and 100% by end of each quarter till December 31, 2013.
Currently, on prudent basis the Bank has made provision at the rate of 20% of the required provision on the
aforesaid exposure.Had the relaxation not been granted by the SBP, the provision charge forthe yearwould
have increasedbyRs.584.783million
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on March 30, 2013, 10:15:50 AM
Rumor in Market

That the deal in between JS bank and HSBC will not be materialized due to refusal of NOC by central bank.
Title: Re: JSBL -- JS Bank Ltd.
Post by: invincible on March 30, 2013, 02:57:53 PM
11.3.1    The State Bank of Pakistan (SBP) vide its letter number BPRD/BRD(Policy)/2013-1857 dated February 15,
2013hasallowedtherelaxationtotheBank fromprovisionrequiredinrespectofBank’sexposureinAgritech
Limited. The provision will now be made in phased manner at 10% of the required provision by December
31, 2012 and subsequently at 25%, 50%, 75% and 100% by end of each quarter till December 31, 2013.
Currently, on prudent basis the Bank has made provision at the rate of 20% of the required provision on the
aforesaid exposure.Had the relaxation not been granted by the SBP, the provision charge forthe yearwould
have increasedbyRs.584.783million


Ur Stance after this development, bro?
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on March 30, 2013, 03:03:37 PM
11.3.1    The State Bank of Pakistan (SBP) vide its letter number BPRD/BRD(Policy)/2013-1857 dated February 15,
2013hasallowedtherelaxationtotheBank fromprovisionrequiredinrespectofBank’sexposureinAgritech
Limited. The provision will now be made in phased manner at 10% of the required provision by December
31, 2012 and subsequently at 25%, 50%, 75% and 100% by end of each quarter till December 31, 2013.
Currently, on prudent basis the Bank has made provision at the rate of 20% of the required provision on the
aforesaid exposure.Had the relaxation not been granted by the SBP, the provision charge forthe yearwould
have increasedbyRs.584.783million


Ur Stance after this development, bro?

The game is in managements hand , how they recognize the remaining provision in coming quarters , may be no provision for the march 2013 quarter as they have already charged almost half of the provision in Dec 2012 closing , expecting .3-.4 paisa positive EPS for march 2013
Title: Re: JSBL -- JS Bank Ltd.
Post by: invincible on March 30, 2013, 03:11:46 PM
Any chance of price appreciation in near future, bro?
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on March 30, 2013, 03:44:34 PM
bad develpement for jsbl, whole banking sector is underperforming with 2 negative developement jsbl is not a good choice
Title: Re: JSBL -- JS Bank Ltd.
Post by: invincible on March 30, 2013, 05:25:30 PM
bad develpement for jsbl, whole banking sector is underperforming with 2 negative developement jsbl is not a good choice
[/quote

So should I book loss & take exit?

Plz advise--- 007.. AQ & Frazooq
Title: Re: JSBL -- JS Bank Ltd.
Post by: tariqaziz on March 31, 2013, 11:14:21 AM
SBP Pehlay  he JSBL ko HSBC K liye NOC de chuki hai ye chor group hai dekh ker JS Item me kaam kerna warna ye tumhara kam ker de ga.
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on March 31, 2013, 12:31:29 PM
its eps was manipulated other wise it would be 1.1 / share

any ways i am stuck at 5.85

Its actual earning is almost 1.5 rupees per share so its price should not deviate for a prolong period.

Please share the financial report or other source from where I could analyze to retain my investment in JSBL.

http://jsbl.com/JS_Bank_Annual_Report_2012.pdf
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on March 31, 2013, 12:50:49 PM
11.3.1    The State Bank of Pakistan (SBP) vide its letter number BPRD/BRD(Policy)/2013-1857 dated February 15,
2013hasallowedtherelaxationtotheBank fromprovisionrequiredinrespectofBank’sexposureinAgritech
Limited. The provision will now be made in phased manner at 10% of the required provision by December
31, 2012 and subsequently at 25%, 50%, 75% and 100% by end of each quarter till December 31, 2013.
Currently, on prudent basis the Bank has made provision at the rate of 20% of the required provision on the
aforesaid exposure.Had the relaxation not been granted by the SBP, the provision charge forthe yearwould
have increasedbyRs.584.783million


Ur Stance after this development, bro?

The game is in managements hand , how they recognize the remaining provision in coming quarters , may be no provision for the march 2013 quarter as they have already charged almost half of the provision in Dec 2012 closing , expecting .3-.4 paisa positive EPS for march 2013


if you adjust book value for whole of agritech exposure as well as FSV
you will still get book value around 7.2 rupees per share.
given that its one of the better smaller banks (CAR 16%) and expanding quite fast (5 yr Branch CAGR 30% ) it should trade at better rate.

lets see what they do to meet the mcr of 10billion by year end
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on March 31, 2013, 08:21:17 PM
Rumor in Market

That the deal in between JS bank and HSBC will not be materialized due to refusal of NOC by central bank.

SBP Pehlay  he JSBL ko HSBC K liye NOC de chuki hai ye chor group hai dekh ker JS Item me kaam kerna warna ye tumhara kam ker de ga.

I can confirm rumour is true. Noc has been denied.
Title: Re: JSBL -- JS Bank Ltd.
Post by: invincible on April 01, 2013, 02:24:25 AM
Rumor in Market

That the deal in between JS bank and HSBC will not be materialized due to refusal of NOC by central bank.

SBP Pehlay  he JSBL ko HSBC K liye NOC de chuki hai ye chor group hai dekh ker JS Item me kaam kerna warna ye tumhara kam ker de ga.

I can confirm rumour is true. Noc has been denied.

Thats Appalling! Exit is advised?
Title: Re: JSBL -- JS Bank Ltd.
Post by: lovegreen on April 01, 2013, 05:06:00 PM
Decreasing volume everyday decreasing price everyday what's happening with jsbl seniors koi upside ha bhe k nhe ya yeh bhe bipl ke thrha pitay ga qadir sahab any upside in jsbl can we see soon?
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on April 01, 2013, 06:57:47 PM
Rumor in Market

That the deal in between JS bank and HSBC will not be materialized due to refusal of NOC by central bank.

SBP Pehlay  he JSBL ko HSBC K liye NOC de chuki hai ye chor group hai dekh ker JS Item me kaam kerna warna ye tumhara kam ker de ga.

i would say yes, buy telecos wtl wtl tele etc or lotpta or epcl, FABL and BAFL in banking they will cover your losses

I can confirm rumour is true. Noc has been denied.

Thats Appalling! Exit is advised?
Title: Re: JSBL -- JS Bank Ltd.
Post by: junaidph on April 01, 2013, 09:59:06 PM
i m out is bc ne bhe wafa na ki js harami js ki sari nasal bhi wesi hay  :bigeyed: :@
Title: Re: JSBL -- JS Bank Ltd.
Post by: rashi on April 01, 2013, 10:03:56 PM
Salam to all the friends on this forum ,  i have been seeing the threads on this forum for the last six months but never try to commentany time.

among all i found Mr. Abdul Qadir to predict almost 80% correct future rates,
and i realy appreciate him,

today i want to querry Mr. Abdul Qadir about JSBL future in this month specially, will it can go above five or not, i am stuck in it, i have half of my investment freezed in this stock.
plz advise as soon as possible
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on April 02, 2013, 12:26:04 AM
Plz dun sell in loss, it will bounce back Insha ALLAH in a week or two, these all are tactics to get the stock back from public
Heavy buying has been done around 6-6.1 and i am damn sure that it will perform.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Allah Tawakal on April 02, 2013, 07:49:13 PM
whats happening to this clown?? is there any hope for life? plzz rescue seniors  huhu
Title: Re: JSBL -- JS Bank Ltd.
Post by: Allah Tawakal on April 03, 2013, 05:21:03 PM
Qadir bhaiiiii kya rakhon stop loss limit? ya phr is level pr average krun....  :thumbsdown_anim:  by more purchase?
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on April 03, 2013, 05:24:32 PM
if you bot at 5.8-5.9 then 5 should have been a deep stop

abb 4.50 per u are stuck, not only you will suffer capital loss, but oppurtunity cost of investing somethin decent and enjoying the current rally.

JS ka full tezi main yeh haal hai to mandee main kya ho ga

Khair i think you have a little too long to book loss it broken all supports now just have faith in JS, not an easy thing to have.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Allah Tawakal on April 03, 2013, 07:02:53 PM
yeah... thnx bhai at least u replied.. Im stuck badly at 5.95.. abi average krn ya nai?
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on April 03, 2013, 07:12:49 PM
yeah... thnx bhai at least u replied.. Im stuck badly at 5.95.. abi average krn ya nai?

dont average dont sell here, let the dust settle let js find the bottom then average and try to get out of this shit.

jscl near 10 and jsbl near 4 if you can spare some cash

but i really think if u have the money buy something else

Title: Re: JSBL -- JS Bank Ltd.
Post by: invincible on April 03, 2013, 08:20:42 PM
yeah... thnx bhai at least u replied.. Im stuck badly at 5.95.. abi average krn ya nai?

dont average dont sell here, let the dust settle let js find the bottom then average and try to get out of this shit.

jscl near 10 and jsbl near 4 if you can spare some cash

but i really think if u have the money buy something else
 


 :skeptic:   :console:
Title: Re: JSBL -- JS Bank Ltd.
Post by: tariqaziz on April 03, 2013, 09:11:28 PM
 :bangin: huhu
Title: Re: JSBL -- JS Bank Ltd.
Post by: lovegreen on April 03, 2013, 09:30:34 PM
Salam to all the friends on this forum ,  i have been seeing the threads on this forum for the last six months but never try to commentany time.

among all i found Mr. Abdul Qadir to predict almost 80% correct future rates,
and i realy appreciate him,

today i want to querry Mr. Abdul Qadir about JSBL future in this month specially, will it can go above five or not, i am stuck in it, i have half of my investment freezed in this stock.
plz advise as soon as possible

if you bot at 5.8-5.9 then 5 should have been a deep stop

abb 4.50 per u are stuck, not only you will suffer capital loss, but oppurtunity cost of investing somethin decent and enjoying the current rally.

JS ka full tezi main yeh haal hai to mandee main kya ho ga

Khair i think you have a little too long to book loss it broken all supports now just have faith in JS, not an easy thing to have.

Plz dun sell in loss, it will bounce back Insha ALLAH in a week or two, these all are tactics to get the stock back from public
Heavy buying has been done around 6-6.1 and i am damn sure that it will perform.

 :skeptic: kia kia jae everyday we see new comment on jsbl some looks favourable and some shows jsbl is risky. Akhir kia hoga jsbl ka neechay he neechay ja rha ha jsbl.  :skeptic:  huhu

I am stuck in jsbl too  huhu
Title: Re: JSBL -- JS Bank Ltd.
Post by: DEVDAS on April 03, 2013, 09:59:51 PM
I think banking sector s suffering & so is JSBL. JS r Satta items too, so till market s going up BE HOPEFUL
Title: Re: JSBL -- JS Bank Ltd.
Post by: Allah Tawakal on April 04, 2013, 05:13:08 PM
buy smthing else... :confused1: what shud be that smthing 007 bhai.. ouulman and Qadir bhai?
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on April 04, 2013, 06:44:26 PM
food scripts, telecos, cements, fertilizers, power sector
Title: Re: JSBL -- JS Bank Ltd.
Post by: asianstock on April 05, 2013, 11:47:47 PM
AQ suggested that JSBL will perform upcoming month and keep watching movement for buying..
Title: Re: JSBL -- JS Bank Ltd.
Post by: shujah on April 22, 2013, 11:49:51 PM
yeh to bechara mar he geya jscl k beechy
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on April 23, 2013, 03:47:33 PM
yeh to bechara mar he geya jscl k beechy
Bhai yeh thek hai bus kaafi increase hogaya tha 1.50 to 6 so correction was due. now i hope its good but when it will run dont know. but these rates seems really fine to buy and keep
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on April 24, 2013, 05:15:00 PM
Get ready for JS Bank action.
Title: Re: JSBL -- JS Bank Ltd.
Post by: sh_bangash on April 24, 2013, 05:26:38 PM
Dear Abdul Qadir,
Any idea of TP for This  jsbl rally??
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on April 24, 2013, 05:52:00 PM
js aur koi munafa aik hee sentence main wah bhai wah dil nahin manta

AQ sb waisay app ka purana pyar SNBL was looking good, banking sector momentum pakar raha hai.

Bhai mujhay tou chalna say aik din pehlay buy karna Hai, js hold karna sehat kay liyr hani karak hai
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on April 24, 2013, 05:54:57 PM
js aur koi munafa aik hee sentence main wah bhai wah dil nahin manta

AQ sb waisay app ka purana pyar SNBL was looking good, banking sector momentum pakar raha hai.

Bhai mujhay tou chalna say aik din pehlay buy karna Hai, js hold karna sehat kay liyr hani karak hai
:thumbsup_anim:
by the way i bought 4.60-4.20 in current downfall and will  :lazy2: for a year if it comes 6.50 then will sell otherwise your statement is right here.
Title: Re: JSBL -- JS Bank Ltd.
Post by: lovegreen on April 24, 2013, 05:57:55 PM
Get ready for JS Bank action.
:confused1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on April 24, 2013, 06:00:46 PM
qadir bhai aik do din pehaly batain wapis buy kar lain gain jsbl

per lamba hold nanhin karna

irfan bhai app ka rates accha hain main tou 4.95 per stop loss kiya that 5.85 ki buy per so i have right to be pissed
Title: Re: JSBL -- JS Bank Ltd.
Post by: th3.inv3stor on April 25, 2013, 03:48:07 PM
EPS unconsolidated .08 consolidated .01  :confused1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: aliraza on April 25, 2013, 04:57:20 PM
EPS unconsolidated .08 consolidated .01  :confused1:

bed result
Title: Re: JSBL -- JS Bank Ltd.
Post by: umair vohra on April 25, 2013, 05:21:46 PM
EPS unconsolidated .08 consolidated .01  :confused1:

bed result

Poorrrrrrrrrrr  :bangin: :bangin: :bangin: :bangin:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Akrami on April 25, 2013, 07:42:32 PM
Jahangir siddiqui companies seems to be a lot of trouble.  Whats going on with SECP lawsuit. I just saw this on Tribune today http://tribune.com.pk/story/540163/secp-files-complaint-against-six-companies/


Title: Re: JSBL -- JS Bank Ltd.
Post by: rashi on April 25, 2013, 08:00:58 PM
Qadir bhai, what u expect from JSBL now after such poor result announcement,
can it goes below 4
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on April 25, 2013, 08:01:48 PM
yaar qadir bhai, js ko samjhna mushkil he nahin na mumkin hai

bot 500 jsbl at 4.50 to test the waters

 :laugh:
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on April 26, 2013, 11:26:03 AM
yaar qadir bhai, js ko samjhna mushkil he nahin na mumkin hai

bot 500 jsbl at 4.50 to test the waters

 :laugh:
Profit jaa kidhar raha hai. Flat Net interest margin, higher interest cost [in my opinion 10 crore], higher provision 10 crore, higher admin cost 20 crore. 30 paisa per share in black waters.
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on April 26, 2013, 12:32:58 PM
yaar qadir bhai, js ko samjhna mushkil he nahin na mumkin hai

bot 500 jsbl at 4.50 to test the waters

 :laugh:
Me too bought at 4.50 jsbl yesterday I think yeh jsbl se hamara purna pyar ha jo hum na chahte hue reh reh k isme gus jate hain bcoz in last whole year it performed really well but now scene is completly changed eps came also sh**it infact is eps ko jo aya eps kehna eps ke bezati ha yeh to na eps ha na lps. Hope kuch behtar ho in coming time.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on May 13, 2013, 05:31:39 PM
Chuuum kr 6 Cross karayga.... :D
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on May 13, 2013, 05:35:11 PM
buss yeh bata dain kya chumna hai iss nay  :D
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on May 13, 2013, 05:39:13 PM
buss yeh bata dain kya chumna hai iss nay  :D


JSIL ki chummi laiga.... :D
Title: Re: JSBL -- JS Bank Ltd.
Post by: shujah on May 13, 2013, 06:04:44 PM
sath main qadir bai yeh b bta dain k kb tk chummi laiga  :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on May 13, 2013, 06:22:56 PM
sath main qadir bai yeh b bta dain k kb tk chummi laiga  :thumbsup_anim:


This does not mean kai JSIL and JSBL on same rates , but both will move together Insha ALLAH soon
Title: Re: JSBL -- JS Bank Ltd.
Post by: Salammembers on May 13, 2013, 11:46:35 PM
sath main qadir bai yeh b bta dain k kb tk chummi laiga  :thumbsup_anim:


This does not mean kai JSIL and JSBL on same rates , but both will move together Insha ALLAH soon

Qadir bro,
jsil has already moved and reccomended last week :confused1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on May 14, 2013, 12:03:22 AM
sath main qadir bai yeh b bta dain k kb tk chummi laiga  :thumbsup_anim:


This does not mean kai JSIL and JSBL on same rates , but both will move together Insha ALLAH soon

Qadir bro,
jsil has already moved and reccomended last week :confused1:


Abhi tu start hai
Title: Re: JSBL -- JS Bank Ltd.
Post by: Salammembers on May 14, 2013, 12:59:37 AM
Qadir bro,
thanks for reccomending jsil and jsbl,
your post is always awaited and acted upon by most of us :tongue:
Title: Re: JSBL -- JS Bank Ltd.
Post by: aliraza on May 14, 2013, 08:30:23 AM




http://www.express.com.pk/epaper/PoPupwindow.aspx?newsID=1101842151&Issue=NP_LHE&Date=20130514
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on May 15, 2013, 06:33:05 AM
http://www.brecorder.com/company-news/235:pakistan/1185885:js-bank-limited/?date=2013-05-15
Title: Re: JSBL -- JS Bank Ltd.
Post by: MMQ on May 16, 2013, 08:59:27 PM
When will JS Bank perform. I am holding it like forever.... :bangin: :bangin:
Title: Re: JSBL -- JS Bank Ltd.
Post by: umair vohra on May 17, 2013, 03:31:49 PM
sath main qadir bai yeh b bta dain k kb tk chummi laiga  :thumbsup_anim:


This does not mean kai JSIL and JSBL on same rates , but both will move together Insha ALLAH soon

Qadir bro,
jsil has already moved and reccomended last week :confused1:


Abhi tu start hai

waooo qadir bahi per aab jaldi say jsil bhe start kardy mjy to esa lagraha hai jsbl jsil ko cross karnay wala hai
Title: Re: JSBL -- JS Bank Ltd.
Post by: Pansota on May 17, 2013, 04:00:33 PM
Qadir bhai LEVEL!!!  :shoaby:  :shoaby:  :dance
Title: Re: JSBL -- JS Bank Ltd.
Post by: kashif.ak on May 17, 2013, 07:02:45 PM
Qadir bro you are great  :thumbsup_anim: :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: frook333 on May 21, 2013, 01:52:42 PM
Qadir bro you are great  :thumbsup_anim: :thumbsup_anim:


Lagta hai phir wapsi ka mood... 4.20...
Title: Re: JSBL -- JS Bank Ltd.
Post by: Pansota on May 22, 2013, 02:22:47 PM
 :(
Title: Re: JSBL -- JS Bank Ltd.
Post by: shujah on May 22, 2013, 11:37:46 PM
qadir bai is ki rally kb tk expected ha, bcoz main ny smbl ko jsbl main convert kr deya ha
Title: Re: JSBL -- JS Bank Ltd.
Post by: Tezihunt on May 28, 2013, 07:03:41 AM
(http://ummatpublication.com/2013/05/28/images/news-32.gif)
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on May 29, 2013, 01:13:25 PM
This is the fastest growing bank in pakistan and therefore it deserves capital/ cash. Dont expect any dividend in near future. Just burn/invest your money in this bank.
Title: Re: JSBL -- JS Bank Ltd.
Post by: mushtaq on May 29, 2013, 03:40:34 PM
JSBL ka kia hoga? :( hold or sell?

kitna dair hold karna chaheya or kab tak ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on May 29, 2013, 04:58:01 PM
JSBL ka kia hoga? :( hold or sell?

kitna dair hold karna chaheya or kab tak ?
Brother JS ki item se kamana bohot tough hay. it takes longer to get better but these rates are not high for this share so hold is better idea in my views. rest upto you.
Title: Re: JSBL -- JS Bank Ltd.
Post by: lovegreen on May 29, 2013, 05:57:29 PM
Dimagh pak gia jsbl 7 hoga sunte sunte 8 month se. khuda kre pehle to yeh 5 he sustain kre  phir 6 wale kahin ja k bat hoge and 7 to ab sunna bhe ab joke lgta hai
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on May 30, 2013, 02:44:43 PM
http://epaper.dawn.com/DetailNews.php?StoryText=30_05_2013_009_003
Title: Re: JSBL -- JS Bank Ltd.
Post by: kashif.ak on June 10, 2013, 01:46:34 AM
http://www.brecorder.com/top-news/108-pakistan-top-news/123160-sbp-secp-to-clarify-insider-trading-position-nab.html
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on June 18, 2013, 02:17:26 PM
Lagta hai muft ka loan apne chahne walon ko bant raha hai yeh bank. Where profit is being dumped?
Title: Re: JSBL -- JS Bank Ltd.
Post by: asim.786 on June 20, 2013, 12:19:17 AM
Lao kal JS family   ANL JSCL JSBL JSIL Lao
Title: Re: JSBL -- JS Bank Ltd.
Post by: asianstock on June 20, 2013, 12:32:24 AM
Lao kal JS family   ANL JSCL JSBL JSIL Lao


JS Family ka abba (JSCL) hee murda howa para hay.... aur Family ko bhi lay doobra hay.. I wish JSCL ko delist kerdoo takay family to sahi tara  chal  jahay..  huhu huhu huhu huhu

Baqi app kay khanay per JS ko dekhlaytay haan.. waysay  T.T.F may to yah chalata heee hay.. but wapise bhee foran ata hay apneee jaga per.. :bangin: :bangin: :bangin: :bangin: :bangin:
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on June 20, 2013, 06:51:11 PM
http://www.economyage.com/2013/06/go-green-drive-js-bank-goes-solar/
Title: Re: JSBL -- JS Bank Ltd.
Post by: lovegreen on June 20, 2013, 08:49:26 PM
AQ bhai ke above post se kuch lines copy ker k lga rha hoon economyage.com se le k
itne tareefon k bad bhe bank still shit perform ker rha hai 5.50 lga ka phir wapis 4.50 below since last alot of months it's just disappointing day by day and not in a mood to show some strenght and is not able to sustain even level of rs 5 only   :bangin:  :bangin:  :bangin:


JS Bank is one of the fastest growing and most performance driven banks in Pakistan with a branch network of over 185 branches in 100 cities of the country.

JS Bank is part of the JS Group, one of Pakistan’s largest and most prominent business entities.  JS Bank is a full service bank providing its customers with a wide range of products and services to fulfill their needs for quality banking and financial services.
Title: Re: JSBL -- JS Bank Ltd.
Post by: rashi on June 20, 2013, 09:01:20 PM
this share has nothing to do with banking sector, where JS shares goes it follows them, me completely fed up with this script
(its my observation)
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on June 20, 2013, 09:16:17 PM
this share has nothing to do with banking sector, where JS shares goes it follows them, me completely fed up with this script
(its my observation)

Its not price sensitive information , just shared for knowledge...... :D
Title: Re: JSBL -- JS Bank Ltd.
Post by: shani on June 21, 2013, 09:51:43 PM
Abdul qadir bro
My average is 4.77
Should I book loss after rate cut
Plz comment
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on June 23, 2013, 12:08:42 PM
Is bar rate cut ka impact konse banks pe ziada hoga. For sure js k manhoos banks pe iska impact hota he hota hai like last time Bipl thuk gia tha bcoz of rate cut but bafl nbp type banks safe rhe thay I still remember. But kia is dfa phir js banks k beraghark ka hum expect rkhain after rate cut.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on June 28, 2013, 06:01:11 PM
http://www.pacra.com.pk/uploads/press_release/JSBL_PR_27jun13.pdf
Title: Re: JSBL -- JS Bank Ltd.
Post by: Nousherwan on June 28, 2013, 11:36:38 PM
http://www.pacra.com.pk/uploads/press_release/JSBL_PR_27jun13.pdf

giving error.
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on June 29, 2013, 12:23:00 AM
http://www.pacra.com.pk/uploads/press_release/JSBL_PR_27jun13.pdf

giving error.

yes ..
just goto pacra.com.pk
its a link on the main page.
Title: Re: JSBL -- JS Bank Ltd.
Post by: asianstock on June 29, 2013, 12:31:33 AM
http://www.pacra.com.pk/uploads/press_release/JSBL_PR_27jun13.pdf

giving error.

yes ..
just goto pacra.com.pk
its a link on the main page.

It's work.. http://www.pacra.com.pk/uploads/press_release/JSBL_PR_27jun13.pdf
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on July 03, 2013, 12:14:15 PM
Horrible bank. Just barely covering its admin expenses from its NIM. Dismal performance owing to squeezing of NIM due to continued decline in interest rate  and floor of deposit rates.

What is more important is increase in deposits of double digits owing to the increased government borrowing from banking system.
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on July 03, 2013, 12:17:24 PM
Horrible bank. Just barely covering its admin expenses from its NIM. Dismal performance owing to squeezing of NIM due to continued decline in interest rate  and floor of deposit rates.

What is more important is increase in deposits of double digits owing to the increased government borrowing from banking system.

sir kabhi kasb ki statements dekhin tu apko pata chalay 'horrible bank' kiya cheez hoti hai  :laugh:
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on July 03, 2013, 12:24:21 PM
Horrible bank. Just barely covering its admin expenses from its NIM. Dismal performance owing to squeezing of NIM due to continued decline in interest rate  and floor of deposit rates.

What is more important is increase in deposits of double digits owing to the increased government borrowing from banking system.

sir kabhi kasb ki statements dekhin tu apko pata chalay 'horrible bank' kiya cheez hoti hai  :laugh:

Banks with less than 150 branches do not enters into my pictures
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on July 03, 2013, 12:27:00 PM
Horrible bank. Just barely covering its admin expenses from its NIM. Dismal performance owing to squeezing of NIM due to continued decline in interest rate  and floor of deposit rates.

What is more important is increase in deposits of double digits owing to the increased government borrowing from banking system.

sir kabhi kasb ki statements dekhin tu apko pata chalay 'horrible bank' kiya cheez hoti hai  :laugh:

Banks with less than 150 branches do not enters into my pictures

what does 150 branches signify ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on July 03, 2013, 02:33:46 PM
It signifies presence in pakistan. One branch for each city and add another 50 branches for mega cities
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on July 03, 2013, 02:56:24 PM
It signifies presence in pakistan. One branch for each city and add another 50 branches for mega cities

there are 100 cities in pakistan ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on July 03, 2013, 03:06:39 PM
It signifies presence in pakistan. One branch for each city and add another 50 branches for mega cities

there are 100 cities in pakistan ?

You are right. 500+ branches are good for banking in pakistan. Back of the envelope calculations.
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on July 03, 2013, 04:05:55 PM
It signifies presence in pakistan. One branch for each city and add another 50 branches for mega cities

there are 100 cities in pakistan ?

You are right. 500+ branches are good for banking in pakistan. Back of the envelope calculations.
bus hamare kismat mei numbers of branches he ginna rhe gia hai share tke ka nhe lgta ab jsbl  huhu
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on July 03, 2013, 05:26:04 PM
It signifies presence in pakistan. One branch for each city and add another 50 branches for mega cities

there are 100 cities in pakistan ?

You are right. 500+ branches are good for banking in pakistan. Back of the envelope calculations.
bus hamare kismat mei numbers of branches he ginna rhe gia hai share tke ka nhe lgta ab jsbl  huhu
Bhai this is long term. you can see sound banks are at low rates. this seems tobe very good future investment but short term k lye kuch nahee keh saktay bus 4 se neechay jana mushkil hai is ka. baqi i am with you, holding since long at higher rates.
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on July 16, 2013, 07:02:06 AM
 uuu
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on July 16, 2013, 07:19:49 AM
uuu
Not holding much but small quantity. will add today if it goes below 4.25
just my assumption, this rate is good to buy.

your comments please.
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on July 16, 2013, 09:34:39 AM
uuu
Not holding much but small quantity. will add today if it goes below 4.25
just my assumption, this rate is good to buy.

your comments please.

i have enough of it already. will buy at lower rates. if possible.
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on July 19, 2013, 10:21:11 AM
kitna safe item hai. market ko kuch bhi hojae, apni jhaga tikka rehta hai

 :@ :@ :@ :@ :@
Title: Re: JSBL -- JS Bank Ltd.
Post by: Saeed Muhammad on July 19, 2013, 11:46:12 AM
Like it
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on July 20, 2013, 06:12:10 PM
kitna safe item hai. market ko kuch bhi hojae, apni jhaga tikka rehta hai

 :@ :@ :@ :@ :@
Sir i believe it can go 6.50 in 10 days time when it starts running but right now maal nahee chor raha koi bhe bus.
this time i hope it will cross 7.
Abdul Qadirbhai ki yeh baat poori honi he hai this year dekh lena Insha Allah.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Nousherwan on July 20, 2013, 08:58:22 PM
kitna safe item hai. market ko kuch bhi hojae, apni jhaga tikka rehta hai

 :@ :@ :@ :@ :@
safe mein band kerne wala item hai 4 per. lao 4 phir safe mein band. 8 per safe kholna hai.  :thumbsup_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on July 20, 2013, 10:49:48 PM
duniya ga second ghatia tareen share
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on July 21, 2013, 05:24:56 AM
 :biggthumpup:
kitna safe item hai. market ko kuch bhi hojae, apni jhaga tikka rehta hai

 :@ :@ :@ :@ :@
safe mein band kerne wala item hai 4 per. lao 4 phir safe mein band. 8 per safe kholna hai.
:biggthumpup:agree
Title: Re: JSBL -- JS Bank Ltd.
Post by: umer on July 21, 2013, 02:03:45 PM
duniya ga second ghatia tareen share
Sorry 007 apne ghalat bola dunia ka second nhe 1st ghatia tareen share  :D jis kisi ko apne cash se dushmne ho woo yeh buy ker le sare zindagi nhe bholay ga k usne jsbl lia tha. Balke js ke sub scripts he ghatia hain.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ValueInvestor on July 29, 2013, 04:33:08 AM
Because Mr. JS makes money and share holder in his companies go to hell.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on August 01, 2013, 12:01:43 PM
Lagta hai is kay din puray ho gai.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Karuli on August 01, 2013, 03:57:37 PM
duniya ga second ghatia tareen share
Sorry 007 apne ghalat bola dunia ka second nhe 1st ghatia tareen share  :D jis kisi ko apne cash se dushmne ho woo yeh buy ker le sare zindagi nhe bholay ga k usne jsbl lia tha. Balke js ke sub scripts he ghatia hain.

Umer Bhai you are right
Title: Re: JSBL -- JS Bank Ltd.
Post by: MMQ on August 13, 2013, 11:29:13 AM
iska safar tu chal para... :clap1: :clap1: :clap1:

Title: Re: JSBL -- JS Bank Ltd.
Post by: MMQ on August 13, 2013, 11:36:59 AM
Chuuum kr 6 Cross karayga.... :D

JO BAAT HAI !


 :[ :[ :[ :[ :[
Title: Re: JSBL -- JS Bank Ltd.
Post by: Research Doctor on August 13, 2013, 11:53:12 AM
Hum bhi hain jashan mananay walon main.............laikin abhi jashan khatam nahi howa.....shuroo howa hai
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on August 29, 2013, 02:43:14 PM
(http://www.kse.com.pk/newsimage/046033-2.gif)
Title: Re: JSBL -- JS Bank Ltd.
Post by: Nousherwan on August 29, 2013, 07:47:19 PM
disappointing. once again higher net ineterst/markup expense and provisioning. manipulated. satta hi is ko 6 per le ker jaye ga. a to jsil mein bhi jan nhin is ko agey le ker jane ki.  :thumbsdown_anim:
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on August 30, 2013, 12:12:49 PM
Provisioning expenses wreck havoc on JS bank (http://www.brecorder.com/br-research/999:all/3636:provisioning-expenses-wreck-havoc-on-js-bank/?date=2013-08-30)

Despite being a small sized lender, JS Bank is smart enough to mimic the industry trend by focusing on investments more than on advances. JSBL’s investments more than doubled in a year’s time while its advances could barely post a 10 percent year-on-year growth in IQ CY13. Yet—although advances have not been the bank’s prime focus of late—it is shrewd enough to realize a top line growth of 24 percent year on year in 1H CY13.

However, high cost of funds is an unwanted gift to a small bank. JS couldn’t just park its funds in government securities and take a comfortable nap. Mark-up expenses grew abysmally in 1H CY13 taking the bank’s spread ratio to 31 percent in 1H CY13 from 37 percent in the corresponding period of last year.

What proved to be the real hitch to the bottom line was a massive growth in provisioning expenses. This might be because of growth in its non-performing loans. A glance at the historical trend also reveals that the bank has covered its non-performing loans quite inadequately over the years. Its coverage ratio clocked in at a mere 36 percent as of 1Q CY13. Perhaps the tremendous year on year jump of 214 percent in provisioning expenses in 1H CY13 is the bank’s strategy to sufficiently improve its coverage ratio.

JS bank’s focus on investments bore fruit in the form of healthy growth of 76 percent in the non-mark-up income that mainly came on the heels of dividend income and gain on the sale of investments. However, the positive impact of higher non-mark-up income was offset by massive upsurge in non-mark-up expenses that grew by 39 percent year on year in 1H CY13. Thus, the bottom line declined by 41 percent year on year in 1H CY13 restricting the profits to Rs165 million.

It appears that provisioning expenses will rise further to bring the bank’s coverage ratio at par with the average coverage ratio of 65 percent of its peer group. In future, the bank must strategize for ways to curb its mark-up expenses by mobilizing low-cost deposits. A healthy margin can perhaps absorb the shocks coming in from provisioning and non-mark-up expens
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on September 11, 2013, 06:05:11 PM
http://jsbl.com/JS_BANK_BOOK_2_9_2013.pdf
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on September 15, 2013, 12:25:45 PM
http://thepioneer.com.pk/2013/08/26/tip-questions-sale-deal-of-hsbc-me-region-north-africa-3316/


This was the case due to which SPB approval is pending for HSBC acquisition.
Title: Re: JSBL -- JS Bank Ltd.
Post by: rehanbari on September 15, 2013, 12:36:48 PM
http://thepioneer.com.pk/2013/08/26/tip-questions-sale-deal-of-hsbc-me-region-north-africa-3316/


This was the case due to which SPB approval is pending for HSBC acquisition.

So still things are not sorted out; which means it might take bit more time to go up??????????
Title: Re: JSBL -- JS Bank Ltd.
Post by: Abdul Qadir on September 15, 2013, 07:20:46 PM
http://thepioneer.com.pk/2013/08/26/tip-questions-sale-deal-of-hsbc-me-region-north-africa-3316/


This was the case due to which SPB approval is pending for HSBC acquisition.

So still things are not sorted out; which means it might take bit more time to go up??????????


The matter is going to resolve in few days.
Title: Re: JSBL -- JS Bank Ltd.
Post by: fasee on September 16, 2013, 03:01:51 AM
http://thepioneer.com.pk/2013/08/26/tip-questions-sale-deal-of-hsbc-me-region-north-africa-3316/


This was the case due to which SPB approval is pending for HSBC acquisition.

So still things are not sorted out; which means it might take bit more time to go up??????????

its basically a none issue....transprency international...item log


The matter is going to resolve in few days.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on October 03, 2013, 09:21:46 AM
http://thepioneer.com.pk/2013/08/26/tip-questions-sale-deal-of-hsbc-me-region-north-africa-3316/


This was the case due to which SPB approval is pending for HSBC acquisition.

JS and HSBC deal has been cancelled. Official annoucement will be made in few days.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on October 23, 2013, 01:52:45 PM
jsbl deal with hsbc did not materialized

http://www.kse.com.pk/notices-updates/detail2.php?0.9900688884359233&id=4&nid=047939
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on October 25, 2013, 12:57:40 PM
Yar akbl ny bhe mar de hy abhe jsbl bhe nahe chal raha

kab chaly ga tun jsbl
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on October 25, 2013, 03:24:29 PM
MP Policy aur dec result are tiggers for banks so wait
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on October 31, 2013, 01:09:17 PM
It seems as if it will touch 3 rupees and then bounced back to seven rupees
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on October 31, 2013, 01:10:19 PM
It seems as if it will touch 3 rupees and then bounced back to seven rupees

 uuu
Title: Re: JSBL -- JS Bank Ltd.
Post by: arifmahmood on October 31, 2013, 05:51:10 PM
iski kuin maa mari hui ha :(
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on October 31, 2013, 05:57:19 PM
js group in pressure

it will subside
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on November 02, 2013, 08:19:11 PM
It seems as if it will touch 3 rupees and then bounced back to seven rupees

3 pr average karny ky leay keya mazeed buying karne chaheay
Title: Re: JSBL -- JS Bank Ltd.
Post by: aliakbar on November 04, 2013, 12:19:03 AM
With all the recent media news about Jahangir Siddiqui and Companies I don't see how JS Bank will survive.

I believe it will be at least 6 months before it bounces back. I hope JS Group get their act together.

JS Shareholder Facebook page:
https://www.facebook.com/pages/JS-Shareholders/517857284917442?ref=hl

Bad news about Jang and Jahangir Siddiqui http://lubpak.com/archives/287831#sthash.cu7fBRvg.dpuf
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on November 04, 2013, 12:28:30 AM
With all the recent media news about Jahangir Siddiqui and Companies I don't see how JS Bank will survive.

I believe it will be at least 6 months before it bounces back. I hope JS Group get their act together.

JS Shareholder Facebook page:
https://www.facebook.com/pages/JS-Shareholders/517857284917442?ref=hl

Bad news about Jang and Jahangir Siddiqui http://lubpak.com/archives/287831#sthash.cu7fBRvg.dpuf

yeh tu JS haters ka group lagraha hai

koi js fan club bhi hona chahiyae.
Title: Re: JSBL -- JS Bank Ltd.
Post by: Nousherwan on November 05, 2013, 01:01:10 AM
lao lao 3 rs per.  ;)
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on November 05, 2013, 06:02:46 AM
3 sy uran kitne ke kary ga
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on November 08, 2013, 04:56:33 PM
aj jsbl ny bhe kafe acha perform keya hy

Aur yeh tu kese ny bataya he nahe hy keh jsbl ny 13.98% right share bhe deay hain

koe janta hy keh yeh kes rate pr paren gy aur en ke trading kab ho ge


Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on November 08, 2013, 05:24:47 PM
aj jsbl ny bhe kafe acha perform keya hy

Aur yeh tu kese ny bataya he nahe hy keh jsbl ny 13.98% right share bhe deay hain

koe janta hy keh yeh kes rate pr paren gy aur en ke trading kab ho ge

preference shares hain.. pure kachra.
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on November 08, 2013, 05:52:18 PM
aj jsbl ny bhe kafe acha perform keya hy

Aur yeh tu kese ny bataya he nahe hy keh jsbl ny 13.98% right share bhe deay hain

koe janta hy keh yeh kes rate pr paren gy aur en ke trading kab ho ge

preference shares hain.. pure kachra.

Kachra tu yeh hy he magar 6 tu lazme laga jaey ga

kindly yeh tu bataen keh preferance shares kon sy hoty hain aur en kaisy bhara jata hy
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on November 11, 2013, 02:36:45 PM
JS Bank Limited
(JSBL)   October 28th, 2013
02:47:15 PM   
FINANCIAL RESULT FOR THE NINE MONTHS ENDED 30/09/2013
(UNCONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 401.762
(UNCONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 284.210
(UNCONSOLIDATED) EPS = 0.27
(CONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 1,018.823
(CONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 822.947
(CONSOLIDATED) EPS = 0.43

PREFERENCE SHARES = 13.98648% AT PAR VALUE

BOOK CLOSURE FROM 16/11/2013
BOOK CLOSURE TO 22/11/2013

Please guide me that what means by PREFERENCE SHARES = 13.98648% AT PAR VALUE
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on November 11, 2013, 03:15:29 PM
JS Bank Limited
(JSBL)   October 28th, 2013
02:47:15 PM   
FINANCIAL RESULT FOR THE NINE MONTHS ENDED 30/09/2013
(UNCONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 401.762
(UNCONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 284.210
(UNCONSOLIDATED) EPS = 0.27
(CONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 1,018.823
(CONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 822.947
(CONSOLIDATED) EPS = 0.43

PREFERENCE SHARES = 13.98648% AT PAR VALUE

BOOK CLOSURE FROM 16/11/2013
BOOK CLOSURE TO 22/11/2013

Please guide me that what means by PREFERENCE SHARES = 13.98648% AT PAR VALUE

for every 1000 jsbl shares you hold, you will have the right to subscribe 139.8648 shares at PKR 10  each

koi faida nahi hai iska .. ignore maro
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on November 11, 2013, 05:49:18 PM
JS Bank Limited
(JSBL)   October 28th, 2013
02:47:15 PM   
FINANCIAL RESULT FOR THE NINE MONTHS ENDED 30/09/2013
(UNCONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 401.762
(UNCONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 284.210
(UNCONSOLIDATED) EPS = 0.27
(CONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 1,018.823
(CONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 822.947
(CONSOLIDATED) EPS = 0.43

PREFERENCE SHARES = 13.98648% AT PAR VALUE

BOOK CLOSURE FROM 16/11/2013
BOOK CLOSURE TO 22/11/2013

Please guide me that what means by PREFERENCE SHARES = 13.98648% AT PAR VALUE

for every 1000 jsbl shares you hold, you will have the right to subscribe 139.8648 shares at PKR 10  each

koi faida nahi hai iska .. ignore maro

But boss aisy ho nahe sakta keon keh nah ham itny pagal hain keh 4 rupay wala share 10 min purchase karen aur nah he jsbl ke admin itna pagal ho ga keh 4 wale cheez 10 min raha ho.

Kuch aur  bhe es ka tareka ho ga ya pher yeh kuch aur he kehna chahty hon gy?
Title: Re: JSBL -- JS Bank Ltd.
Post by: rehanbari on November 11, 2013, 07:54:27 PM
JS Bank Limited
(JSBL)   October 28th, 2013
02:47:15 PM   
FINANCIAL RESULT FOR THE NINE MONTHS ENDED 30/09/2013
(UNCONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 401.762
(UNCONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 284.210
(UNCONSOLIDATED) EPS = 0.27
(CONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 1,018.823
(CONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 822.947
(CONSOLIDATED) EPS = 0.43

PREFERENCE SHARES = 13.98648% AT PAR VALUE

BOOK CLOSURE FROM 16/11/2013
BOOK CLOSURE TO 22/11/2013

Please guide me that what means by PREFERENCE SHARES = 13.98648% AT PAR VALUE

for every 1000 jsbl shares you hold, you will have the right to subscribe 139.8648 shares at PKR 10  each

koi faida nahi hai iska .. ignore maro

But boss aisy ho nahe sakta keon keh nah ham itny pagal hain keh 4 rupay wala share 10 min purchase karen aur nah he jsbl ke admin itna pagal ho ga keh 4 wale cheez 10 min raha ho.

Kuch aur  bhe es ka tareka ho ga ya pher yeh kuch aur he kehna chahty hon gy?

I think PREFERENCE SHARES are those where company should pay some thing at the end of each to investor. Its special shares and just a form of loan i think soooooooooooooo :fingerscrossed1: :fingerscrossed1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: rashi on November 11, 2013, 08:14:38 PM
if i read the kse thread correctly price of preference share will be 10/2=5
Title: Re: JSBL -- JS Bank Ltd.
Post by: Dehan on November 11, 2013, 08:22:12 PM
JS Bank Limited
(JSBL)   October 28th, 2013
02:47:15 PM   
FINANCIAL RESULT FOR THE NINE MONTHS ENDED 30/09/2013
(UNCONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 401.762
(UNCONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 284.210
(UNCONSOLIDATED) EPS = 0.27
(CONSOLIDATED) PROFIT/LOSS BEFORE TAXATION RS. IN MILLION 1,018.823
(CONSOLIDATED) PROFIT/LOSS AFTER TAXATION RS. IN MILLION 822.947
(CONSOLIDATED) EPS = 0.43

PREFERENCE SHARES = 13.98648% AT PAR VALUE

BOOK CLOSURE FROM 16/11/2013
BOOK CLOSURE TO 22/11/2013

Please guide me that what means by PREFERENCE SHARES = 13.98648% AT PAR VALUE

for every 1000 jsbl shares you hold, you will have the right to subscribe 139.8648 shares at PKR 10  each

koi faida nahi hai iska .. ignore maro

But boss aisy ho nahe sakta keon keh nah ham itny pagal hain keh 4 rupay wala share 10 min purchase karen aur nah he jsbl ke admin itna pagal ho ga keh 4 wale cheez 10 min raha ho.

Kuch aur  bhe es ka tareka ho ga ya pher yeh kuch aur he kehna chahty hon gy?

I think PREFERENCE SHARES are those where company should pay some thing at the end of each to investor. Its special shares and just a form of loan i think soooooooooooooo :fingerscrossed1: :fingerscrossed1:

Preference Shares mein profit rate fix hota hay. Jsbl kis rate of profit pa share day rehay hay.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on November 11, 2013, 10:38:28 PM
this is long term equity capital for this bank amounting to 150 Crore rupees. Upon conversion of this preference shares, it will add 21 crore common shares to current number of shares. It means for every one preference shares, the investor can obtain 1.5 common shares. Meanwhile the investors enjoy 12 percent return on their investment (condition apply). So if the stock price remain below 7 rupees, the preference shareholder will not opt for conversion.
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on November 13, 2013, 10:45:15 AM
this is long term equity capital for this bank amounting to 150 Crore rupees. Upon conversion of this preference shares, it will add 21 crore common shares to current number of shares. It means for every one preference shares, the investor can obtain 1.5 common shares. Meanwhile the investors enjoy 12 percent return on their investment (condition apply). So if the stock price remain below 7 rupees, the preference shareholder will not opt for conversion.

jsbl ky preference ko subscribe krna chaheay ya nahe?
keya jin ky pass already jsbl ky shares pary hain unhey bhe koe faida ho ga keh nahe?
keya right shares ke tarha en ke bhe trading hote hy keh nahe?
Agar enhon ny anounance keya hy keh 13.98% din gy tu us ke counting kaisy karen gy?
agar 10,000 shares hon gy tu keya yeh usy 1398 preference share issue kr din gy ya koe aur procedure ho ga?
Please guide to deliver your knowldge
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on November 13, 2013, 11:19:01 AM
The paid-up capital (free of losses) of the Bank as at September 30, 2013 stood at PKR 8.619 billion. To meet the shortfall in the
Minimum Capital Requirement prescribed by the State Bank of Pakistan (SBP) for December 31, 2012 and December 31, 2013, the
Bank has planned to issue un-listed, convertible, irredeemable, perpetual, non-cumulative preference shares worth PKR 1.5 billion.
In this regard in-principle approval from the SBP for the issuance of these preference shares has been received. The Bank is now in the process of completing other procedural formalities relating to the transaction
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on November 13, 2013, 12:07:41 PM
this is long term equity capital for this bank amounting to 150 Crore rupees. Upon conversion of this preference shares, it will add 21 crore common shares to current number of shares. It means for every one preference shares, the investor can obtain 1.5 common shares. Meanwhile the investors enjoy 12 percent return on their investment (condition apply). So if the stock price remain below 7 rupees, the preference shareholder will not opt for conversion.

jsbl ky preference ko subscribe krna chaheay ya nahe?
keya jin ky pass already jsbl ky shares pary hain unhey bhe koe faida ho ga keh nahe?
keya right shares ke tarha en ke bhe trading hote hy keh nahe?
Agar enhon ny anounance keya hy keh 13.98% din gy tu us ke counting kaisy karen gy?
agar 10,000 shares hon gy tu keya yeh usy 1398 preference share issue kr din gy ya koe aur procedure ho ga?
Please guide to deliver your knowldge

its pointless to subscribe to this issue.
preference shares are not going to be listed so you may have trouble selling them ( plus no one will be  willing to buy !)

i doubt you will get dividends as bank is not meeting conditions, but even if you do, 12% is nothing, you are better off with kapco/npl etc

conversion ratio is 1.5 shares of jsbl for every one preference share
that means you are paying 6.67 rupees for right to buy jsbl share in future
you can get it at 3.9 in the market !

Plus, book value of jsbl after writing off all npls and adjusting for relaxations allowed by sbp, is 6.52 !
so you will be paying more than book value of a share that gives you ( and will continue to give you ) a very low return on equity.

Baqiya apki marzi
regards.
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on November 13, 2013, 03:02:02 PM
this is long term equity capital for this bank amounting to 150 Crore rupees. Upon conversion of this preference shares, it will add 21 crore common shares to current number of shares. It means for every one preference shares, the investor can obtain 1.5 common shares. Meanwhile the investors enjoy 12 percent return on their investment (condition apply). So if the stock price remain below 7 rupees, the preference shareholder will not opt for conversion.

jsbl ky preference ko subscribe krna chaheay ya nahe?
keya jin ky pass already jsbl ky shares pary hain unhey bhe koe faida ho ga keh nahe?
keya right shares ke tarha en ke bhe trading hote hy keh nahe?
Agar enhon ny anounance keya hy keh 13.98% din gy tu us ke counting kaisy karen gy?
agar 10,000 shares hon gy tu keya yeh usy 1398 preference share issue kr din gy ya koe aur procedure ho ga?
Please guide to deliver your knowldge

its pointless to subscribe to this issue.
preference shares are not going to be listed so you may have trouble selling them ( plus no one will be  willing to buy !)

i doubt you will get dividends as bank is not meeting conditions, but even if you do, 12% is nothing, you are better off with kapco/npl etc

conversion ratio is 1.5 shares of jsbl for every one preference share
that means you are paying 6.67 rupees for right to buy jsbl share in future
you can get it at 3.9 in the market !

Plus, book value of jsbl after writing off all npls and adjusting for relaxations allowed by sbp, is 6.52 !
so you will be paying more than book value of a share that gives you ( and will continue to give you ) a very low return on equity.

Baqiya apki marzi
regards.

Your guide lines are very impressive and will thankfull to you on brief discribing the subject discusion.


Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on November 18, 2013, 09:34:29 PM
Yaroon jsbl ko kab karo gy 6 wala  :console:
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on November 25, 2013, 06:35:14 PM
http://www.kse.com.pk/notices-updates/detail2.php?0.4638688035774976&id=4&nid=048960

as expected, JSCL  will underwrite (and probable the only investor who will subscribe) the preference issue
Title: Re: JSBL -- JS Bank Ltd.
Post by: Hamid Mamraiz on November 25, 2013, 06:49:31 PM
I think Jahangir Siddiqui is taking more interest to improve the JS Banks operations and resolve the issues so that he could take it upto mainstream banks level ....
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 03, 2013, 01:32:34 PM
I think Jahangir Siddiqui is taking more interest to improve the JS Banks operations and resolve the issues so that he could take it upto mainstream banks level ....

Keya kehty hain js uncle ky item bhe abhe chalny chahen
Index 25000 ko touch kr raha hy aur js ky rate 15000 index waly hain
Title: Re: JSBL -- JS Bank Ltd.
Post by: MZ on December 03, 2013, 11:33:58 PM
JS Bank Limited is a subsidiary of JS Group, one of the most diversified financial service groups operating in Pakistan.

Besides excelling in industries such as asset management, investment banking, securities brokerage, commercial banking, insurance and trade finance, the group also has five vertical businesses-JS Industrial, JS Infocom, JS Property, JS Resources and JS Transportation.

JS Bank Limited was formed as a result of amalgamation of Jahangir Siddiqui Investment Bank Limited with the commercial banking operations of American Express Bank Ltd Pakistan.

JSBL commenced its operations in Pakistan as a fully scheduled bank on December 30, 2006. JS Group also launched Islamic banking and finance services by establishing a premier Islamic commercial bank under the brand of Bank Islami in 2006.

Having entered the seventh year of its operations, JSBL has tapped most of the metropolises. Currently having a network size of over 180 branches across 100 cities, JSBL is well poised to stretch its network nation-wide.

Financial Performance, 9M CY13

By boasting a healthy year-on-year growth of 19 percent in its top line in 9M CY13, JS Bank put the large banks to shame.

JS Bank, inherently, is not different from the bigger banks that park majority of their funds in government securities and ward-off the risk of toxic loans. However, this time around, JS smartly switched its focus to high-yielding private sector advances to protect its top line against the rate cuts that didn't spare even the top-tier banks.

During 9M CY13, advances grew by 44 percent year on year vis-à-vis investments that moved up by a moderate 8 percent year on year over the similar period. This kept the top line afloat in the headwinds. The tremendous year-on-year growth of 37 percent in deposits could have taken the spreads down by many pins; however, a commendable performance on mobilising low-cost deposits (see CASA ratio) kept JS's CASA close to the industry average, despite inching down.

All the non-mark-up income heads performed really well during the period taking the non-core account up by 61 percent year on year.

What turned to be harsh to the bottom line was high provisioning charges. Although, the Bank's non-performing loans slipped by 6 percent year on year during the period. Besides, fresh loans advances during the period took the infection ratio considerably down. Yet the Bank booked provision worth Rs356 million to better provide for the bad loans. During 9M CY12, JS's provisioning stood at a frail position-barely covering 20 percent of its non-performing loans. However, this year, the Bank has pushed coverage ratio up to 49 percent this year.

Another Achilles heel to the bottom line was high non-mark-up expenses as the Bank is vigorously expanding its network size.

The profit-after-tax ended up recording a drop of 4 percent year on year but is still boasting a healthy Rs823 million profits. The EPS dipped by 45 percent year on year due to shares issued during the period.

Performance in CY12

JS Bank recorded a year-on-year top line growth of 43 percent in CY12 that appears to have come on the heels of tremendous growth in investments during the period.

During the year, the Bank's investments more than doubled with a 10 percent year-on-year growth in the loans advanced to the private sector. The growth in investments came on the heels of massive growth in "available for sale" securities particularly MTBs, open and closed ended mutual funds and ordinary shares of listed companies.

Although CASA slid during the period but healthy top line performance provided impetus to the Net Interest Margin (NIM) while keeping the spread ratio constant over the year.

During the period, non-performing loans inched up by 9 percent year on year and hence the Bank booked provisions Rs530 during the period against the reversals of Rs151 million in CY11.

However, the dampening effect produced by the provisioning expenses was more than reversed by the incredible growth in non-mark-up income. The growth in non-core income came on the heels of substantial increase in earnings from foreign trade business, Bancassurance, home remittance and capital gains on the sale of government securities.

Operating Expenses increased by 35 percent year on year mainly due to 38 new branches opened during the year.

The bottom line fetched considerable momentum from robust top line and non-mark-up income and recorded a year-on-year jump of over 127 percent in 2012.

Future Outlook

JS Bank that managed to perform so well amid rate-cuts is expected to perform wonders while discount rate surges up. What the Bank needs to focus on is to curb the fall in its spreads. JS Bank's spreads fell in 9M CY13 and is feared to shrink further unless the Bank drifts towards current accounts against saving accounts (As of September 2013, saving accounts forms up 31 percent of the total bank deposits).

The Bank provisioning expense is sure to go up in the coming periods as it is booking provisions in a phased manner as per relaxation provided by SBP.

The non-mark-up expenses are also likely to grow large as the Bank is expanding its branch network.

To shield the bottom line against the odds, a correct mix of assets and deposits is the key. Let's see how the Bank conquers the upcoming challenges.


================================================================
JS BANK LIMITED (CONSOLIDATED P&L)
================================================================
(Rs mn)                               CY11       CY12     9MCY13
================================================================
Markup Earned                        4,319      6,168      5,106
Markup Expenses                      2,584      3,732      3,321
Net Markup Income                    1,736      2,437      1,785
Provisioning/(Reversal)               (151)       530        356
Net Markup Income after provisions   1,887      1,907      1,429
Non Mark-up / Interest Income          770      2,148      2,375
Operating Revenues                   2,657      4,055      3,804
Non Mark-up / Interest Expenses      2,119      2,865      2,785
Profit Before Taxation                 537      1,190      1,019
Taxation                               176        370        196
Profit After Taxation                  362        820        823
EPS (Rs)                              0.42       0.71       0.43
----------------------------------------------------------------
Source: Company Accounts.
================================================================
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on December 04, 2013, 12:56:28 PM
I think Jahangir Siddiqui is taking more interest to improve the JS Banks operations and resolve the issues so that he could take it upto mainstream banks level ....

I think Jahangir Siddiqui is taking more interest to improve the JS Banks operations and resolve the issues so that he could take it upto mainstream banks level ....

Keya kehty hain js uncle ky item bhe abhe chalny chahen
Index 25000 ko touch kr raha hy aur js ky rate 15000 index waly hain

bank is much safer than many other banks trading  below 5 rupees.
balance sheet is healthy. provisions are dragging down the earnings.. next year provisions maybe at similar level but earnings will improve specially with 1.5 billion addition capital
can give reasonable gains over next 15 months or so
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 05, 2013, 06:51:51 PM
I think Jahangir Siddiqui is taking more interest to improve the JS Banks operations and resolve the issues so that he could take it upto mainstream banks level ....

I think Jahangir Siddiqui is taking more interest to improve the JS Banks operations and resolve the issues so that he could take it upto mainstream banks level ....

Keya kehty hain js uncle ky item bhe abhe chalny chahen
Index 25000 ko touch kr raha hy aur js ky rate 15000 index waly hain

bank is much safer than many other banks trading  below 5 rupees.
balance sheet is healthy. provisions are dragging down the earnings.. next year provisions maybe at similar level but earnings will improve specially with 1.5 billion addition capital
can give reasonable gains over next 15 months or so
suna hy js group ke realy start hony wale hy
Title: Re: JSBL -- JS Bank Ltd.
Post by: mushtaq on December 07, 2013, 05:20:43 AM
Need Help

Bhaion JSBL ka kia karna hay.. hold kar kar thak gaya hon... kafi mahanga lia tha or quantity bhi ziada hay..

kindly suggest karain.. dividend bhi milta hay kia is ka kabhi :(
Title: Re: JSBL -- JS Bank Ltd.
Post by: Rizwan Bhatti on December 07, 2013, 12:10:57 PM
Need Help

Bhaion JSBL ka kia karna hay.. hold kar kar thak gaya hon... kafi mahanga lia tha or quantity bhi ziada hay..

kindly suggest karain.. dividend bhi milta hay kia is ka kabhi :(

hold for 2 mnoths
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on December 07, 2013, 02:32:17 PM
Need Help

Bhaion JSBL ka kia karna hay.. hold kar kar thak gaya hon... kafi mahanga lia tha or quantity bhi ziada hay..

kindly suggest karain.. dividend bhi milta hay kia is ka kabhi :(

hold for 2 mnoths

or 12 ..
imho outlook is better for this bank over next year or so
Title: Re: JSBL -- JS Bank Ltd.
Post by: Allah Tawakal on December 08, 2013, 12:20:15 AM
SBM, by your assessment, JSBL should trade around Rs 6-7 by June 14,,,  :skeptic:
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on December 08, 2013, 05:29:49 PM
SBM, by your assessment, JSBL should trade around Rs 6-7 by June 14,,,  :skeptic:

i didnt say that.
i meant end of next year, start of 2015
Title: Re: JSBL -- JS Bank Ltd.
Post by: Nousherwan on December 09, 2013, 08:12:48 PM
SBM, by your assessment, JSBL should trade around Rs 6-7 by June 14,,,  :skeptic:

i didnt say that.
i meant end of next year, start of 2015

Agreed with Master. To further add, JS satta factor always remain with it. At 3.5 not a bad buy at all though little painfull for one averaging it out from 6. I am still adding at 3.5 though a small quantity. Rest its KSE and JS item. U never know.  :fingerscrossed1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 10, 2013, 09:21:07 AM
SBM, by your assessment, JSBL should trade around Rs 6-7 by June 14,,,  :skeptic:

i didnt say that.
i meant end of next year, start of 2015

Agreed with Master. To further add, JS satta factor always remain with it. At 3.5 not a bad buy at all though little painfull for one averaging it out from 6. I am still adding at 3.5 though a small quantity. Rest its KSE and JS item. U never know.  :fingerscrossed1:
Jon he js group ka satta start howa tu yeh bhe 5 tu lazme laga ly ga
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 12, 2013, 03:14:11 PM
SBM, by your assessment, JSBL should trade around Rs 6-7 by June 14,,,  :skeptic:

Ab tu jsbl ka bhe chalna banta hy keon keh jsil ny cap kr deya hy aur jscl bhe chal he para hy
keya kehty hain doston?

i didnt say that.
i meant end of next year, start of 2015

Agreed with Master. To further add, JS satta factor always remain with it. At 3.5 not a bad buy at all though little painfull for one averaging it out from 6. I am still adding at 3.5 though a small quantity. Rest its KSE and JS item. U never know.  :fingerscrossed1:
Jon he js group ka satta start howa tu yeh bhe 5 tu lazme laga ly ga
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 14, 2013, 07:49:17 PM
Abhe jsbl ka move karna banta hy
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on December 14, 2013, 07:53:24 PM
Abhe jsbl ka move karna banta hy
Yes brother i bought at 3.75 with expectation of 7.50 by end of Dec 2014 :biggthumpup:  :fingerscrossed1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on December 14, 2013, 09:15:49 PM
Abhe jsbl ka move karna banta hy
Yes brother i bought at 3.75 with expectation of 7.50 by end of Dec 2014 :biggthumpup:  :fingerscrossed1:

 :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: jamalakhter on December 14, 2013, 10:29:49 PM
Abhe jsbl ka move karna banta hy
Yes brother i bought at 3.75 with expectation of 7.50 by end of Dec 2014 :biggthumpup:  :fingerscrossed1:

 :biggthumpup:
quantity please
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on December 14, 2013, 11:21:08 PM
Abhe jsbl ka move karna banta hy
Yes brother i bought at 3.75 with expectation of 7.50 by end of Dec 2014 :biggthumpup:  :fingerscrossed1:

 :biggthumpup:
quantity please

apko hamari quantity ka kiya karna  hai ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on December 15, 2013, 05:44:10 AM
Abhe jsbl ka move karna banta hy
Yes brother i bought at 3.75 with expectation of 7.50 by end of Dec 2014 :biggthumpup:  :fingerscrossed1:

 :biggthumpup:
quantity please

apko hamari quantity ka kiya karna  hai ?
Bhai kharidna hai to batao aap ko discount kar detay hain.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on December 16, 2013, 10:49:12 AM
What happened today?
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 16, 2013, 12:15:58 PM
What happened today?

Lagta hy abhe yeh 6 pay he ruky ga
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on December 16, 2013, 07:12:20 PM
 :lazy2:
bhai yeh share achay khawab dekha rhaa hai
tabeer bhe kareeb nazar aarahee hy
 :shoaby:
Title: Re: JSBL -- JS Bank Ltd.
Post by: arifmahmood on December 16, 2013, 07:31:53 PM
bhai g 5 tak chala jai to nikal jao... histry daikho es ki 5 sy wapis 3.5 :(
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 16, 2013, 09:18:56 PM
bhai g 5 tak chala jai to nikal jao... histry daikho es ki 5 sy wapis 3.5 :(

Ap one year ka upper rate dikhen wo 6 sy zeada hy
Title: Re: JSBL -- JS Bank Ltd.
Post by: arifmahmood on December 16, 2013, 11:07:04 PM
chalo bhai meri to dua hai k 7 py jai .. mery pas b kafi ziada holding pari ha
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 17, 2013, 04:03:05 PM
chalo bhai meri to dua hai k 7 py jai .. mery pas b kafi ziada holding pari ha

@Arif bhae min ny bhe hold keya howa hy kal nahe nikala tha aur umeed bhe hy keh jaey ga
Title: Re: JSBL -- JS Bank Ltd.
Post by: arifmahmood on December 17, 2013, 06:32:06 PM
bhai g main nay b nai nikala aur hold rakha bt ab afsos o rha ha.. yh lagta hai phr 33.7 py jai ga
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 18, 2013, 09:51:01 AM
bhai g main nay b nai nikala aur hold rakha bt ab afsos o rha ha.. yh lagta hai phr 33.7 py jai ga

Nahe yar up jaey ga aj ke movement he dikh lo
Title: Re: JSBL -- JS Bank Ltd.
Post by: jattala on December 20, 2013, 01:52:19 PM
http://e.jang.com.pk/12-20-2013/pindi/pic.asp?picname=510.gif
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on December 20, 2013, 09:57:16 PM
JS Bank wins injunction against Transparency in Germany:  JS Bank Limited has won

a preliminary injunction against Transparency International e.V. in Germany restrain?

ing it from claiming and/or distributing or respectively causing others to claim and/or

distribute, with reference to JS Bank and its purchase of the Pakistan operations of

HSBC Bank, that HSBC received any payment regarding this transaction and that such

payments may have been illegal as falsely claimed by Transparency International Paki?

stan in a letter to the Governor of the Bank of England subsequently published on the

Pakistan website.(TN)
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 21, 2013, 12:32:30 PM
JS Bank wins injunction against Transparency in Germany:  JS Bank Limited has won

a preliminary injunction against Transparency International e.V. in Germany restrain?

ing it from claiming and/or distributing or respectively causing others to claim and/or

distribute, with reference to JS Bank and its purchase of the Pakistan operations of

HSBC Bank, that HSBC received any payment regarding this transaction and that such

payments may have been illegal as falsely claimed by Transparency International Paki?

stan in a letter to the Governor of the Bank of England subsequently published on the

Pakistan website.(TN)

Abhe tu up ho ga na ya nahe
Title: Re: JSBL -- JS Bank Ltd.
Post by: shujah on December 22, 2013, 08:39:08 PM
ib to 6 tk aram sy jaye ga, jb tk next date nai ate court ke, mall accumulate ho raha ha, full game on
Title: Re: JSBL -- JS Bank Ltd.
Post by: mushtaq on December 23, 2013, 12:29:20 PM
Jsbl hold ya sell ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: shujah on December 23, 2013, 07:34:46 PM
dear mushtaq u should hold till next date of hearing in court in jan 2014
Jsbl hold ya sell ?

Title: Re: JSBL -- JS Bank Ltd.
Post by: hammad01 on December 23, 2013, 08:28:33 PM
dear mushtaq u should hold till next date of hearing in court in jan 2014
Jsbl hold ya sell ?
many will start selling below 6, but it depends on your buying average. No one can tell you with 100% conifdence ecept for insider and very very few people have inside information about "maal accumulation". So if in good profit one can start selling in chunks after 5.50 till it goes up
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on December 23, 2013, 09:26:55 PM
dear mushtaq u should hold till next date of hearing in court in jan 2014
Jsbl hold ya sell ?
many will start selling below 6, but it depends on your buying average. No one can tell you with 100% conifdence ecept for insider and very very few people have inside information about "maal accumulation". So if in good profit one can start selling in chunks after 5.50 till it goes up

according to my opinion
Agar tu jsbl ny jalde sy 6 ko touch kr leya tu hold up to 6.5 other wise sell near about 6
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on January 03, 2014, 07:46:40 PM
dear mushtaq u should hold till next date of hearing in court in jan 2014
Jsbl hold ya sell ?

Yaron jscl aur jsil tu chal rahy hain magar jsbl keon nahe chal raha
many will start selling below 6, but it depends on your buying average. No one can tell you with 100% conifdence ecept for insider and very very few people have inside information about "maal accumulation". So if in good profit one can start selling in chunks after 5.50 till it goes up

according to my opinion
Agar tu jsbl ny jalde sy 6 ko touch kr leya tu hold up to 6.5 other wise sell near about 6
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on February 04, 2014, 06:39:16 PM
Calculation of Subscription amount:

For instance if you have 100 unpaid rights of JSBLR1 (Preference letter of Rights of JS Bank Limited) then calculation would be as following;

= No. of Unpaid Rights X (Face value )
= 100 X (Rs.10 )
= Rs. 1000/-

JSBLR1 (Preference letter of Rights of JS Bank Limited)  keya hy aur es ke trading keon nahe ho rahe
en ko subscribe karna chaheay ya nahe

please guide us, if anyone have the idea about it
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on February 04, 2014, 11:37:54 PM
don't subscribe
Title: Re: JSBL -- JS Bank Ltd.
Post by: obaid6 on February 04, 2014, 11:51:15 PM
Calculation of Subscription amount:

For instance if you have 100 unpaid rights of JSBLR1 (Preference letter of Rights of JS Bank Limited) then calculation would be as following;

= No. of Unpaid Rights X (Face value )
= 100 X (Rs.10 )
= Rs. 1000/-

JSBLR1 (Preference letter of Rights of JS Bank Limited)  keya hy aur es ke trading keon nahe ho rahe
en ko subscribe karna chaheay ya nahe

please guide us, if anyone have the idea about it


trading vil be notified via official notice. i hav a chunk of jsblr1 but subscription is not suggested. 
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on February 05, 2014, 07:48:32 AM
Calculation of Subscription amount:

For instance if you have 100 unpaid rights of JSBLR1 (Preference letter of Rights of JS Bank Limited) then calculation would be as following;

= No. of Unpaid Rights X (Face value )
= 100 X (Rs.10 )
= Rs. 1000/-

JSBLR1 (Preference letter of Rights of JS Bank Limited)  keya hy aur es ke trading keon nahe ho rahe
en ko subscribe karna chaheay ya nahe

please guide us, if anyone have the idea about it


trading vil be notified via official notice. i hav a chunk of jsblr1 but subscription is not suggested.

Trading ke dates kahen bhe available nahe hain
i think keh trading nahe ho ge
Title: Re: JSBL -- JS Bank Ltd.
Post by: SRN on February 05, 2014, 10:18:46 AM
I have received confirmation letter from their Registrar, Technology Trade, saying that they have issued  in the ratio of  13.98 right
held in my aaccount.
About the trading schedule it says:

" Date of commencement of trading of unpaid rights at Stock Exchange....................N/A
" Last date of trading of unpaid rights........................................................................N/A
Title: Re: JSBL -- JS Bank Ltd.
Post by: tahirdxb on February 08, 2014, 04:26:25 AM
(http://www.express.com.pk/images/NP_LHE/20140208/Sub_Images/1102092445-1.gif)
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on February 08, 2014, 12:59:05 PM
http://tribune.com.pk/story/668954/court-battle-german-court-rejects-js-banks-claims/

cartoons
Title: Re: JSBL -- JS Bank Ltd.
Post by: jamalakhter on February 08, 2014, 10:31:53 PM
http://tribune.com.pk/story/668954/court-battle-german-court-rejects-js-banks-claims/

cartoons
                                                                                                                                         
           it was not a session court of pakistan J S Like grp onLy play and make fool in PAKISTAN
Title: Re: JSBL -- JS Bank Ltd.
Post by: hero167 on February 15, 2014, 01:40:18 PM
http://tribune.com.pk/story/668954/court-battle-german-court-rejects-js-banks-claims/

cartoons
                                                                                                                                         
           it was not a session court of pakistan J S Like grp onLy play and make fool in PAKISTAN

Jsbl ky elawa tamam js group ky item tu chal rahy hain magar jsbl ko pata nahe keon mar par rahe hy
anyone share the tp of jsbl upto march 14
Title: Re: JSBL -- JS Bank Ltd.
Post by: rashi on February 15, 2014, 08:39:04 PM
http://tribune.com.pk/story/668954/court-battle-german-court-rejects-js-banks-claims/

cartoons
                                                                                                                                         
           it was not a session court of pakistan J S Like grp onLy play and make fool in PAKISTAN

Jsbl ky elawa tamam js group ky item tu chal rahy hain magar jsbl ko pata nahe keon mar par rahe hy
anyone share the tp of jsbl upto march 14
ye be NIB bun gya he
Title: Re: JSBL -- JS Bank Ltd.
Post by: aliraza on February 18, 2014, 10:37:41 AM

bm 25 feb
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on February 25, 2014, 03:20:46 PM
Any update?

Is there any take over news? Samba Bank can take over this bank. It will be good for both banks. Samba will get 200 branches and JS shareholders MONEY
Title: Re: JSBL -- JS Bank Ltd.
Post by: jamalakhter on February 26, 2014, 11:04:53 AM
Any update?

Is there any take over news? Samba Bank can take over this bank. It will be good for both banks. Samba will get 200 branches and JS shareholders MONEY
                                                                                                                   
                                     A Lethal  Combination
Title: Re: JSBL -- JS Bank Ltd.
Post by: MZ on February 27, 2014, 08:29:32 PM
JSBL: strong just yet?

With its assets tilted in favour of investments, JS Bank seems no different than its bigger counterparts. However, CY13 brought a breath of fresh air to JSBLs asset portfolio.

Generally, small banks, with inherently high cost of funds, tend to focus more on the high-yielding private sector advances to shield their bottom line from bulging expenses. However, JSBL, with low-cost deposits (CASA) as low as 56 percent as of CY12 held an asset portfolio with Investment-to-Deposit Ratio (IDR) of 77 percent and Advances-to-Deposit Ratio (ADR) of 32 percent and still managed to post tremendous growth in the bottom line.

This was despite the monetary expansion scenario which marred the industry at large. Kudos the non-core income for providing an overwhelming support to the bottom line, amid mushrooming mark-up, non-mark-up and provisioning expenses!

However, this was the tale of CY12. In CY13, the bank turned its gaze towards advances. While the detailed full-year financial accounts are not released yet, a look at the 9M CY13 accounts provides some clue. The nine-month numbers show an incredible growth of 44 percent year on year in advances compared to just 8 percent year-on-year growth in investments.

While this didn    turnaround the asset portfolio, it surely did some favour to the top line which grew by 13 percent year on year in CY13. Yet, the healthy top line couldn    sustain the spread ratio which fell from 40 percent in 9M CY12 to 35 percent in 9M CY13. This could be attributable to a 48 percent year-on-year growth in the saving deposits, which forms 31 percent of JSBLs total deposits in 9M CY13 vis-à-vis 28 percent in the similar period of last year.

While JSBLs Non-Performing Loans (NPLs) and infection ratio trekked south in CY13 owing to its cautious lending off-late, low provisioning in yesteryears and inadequate coverage ratio triggered bank to increase its provisions until September 2013. However, the bank booked a reversal of Rs91 million in the 4Q CY13 which took the cumulative provisioning expense to Rs264 million, down 50 percent year on year in CY13. This suggests that NPLs might have trimmed further in the 4Q CY13.

As always, non-mark-up income lent a helping hand to the bottom line by boasting a year-on-year growth of 21 percent. This came on the heels of a substantial increase in earnings from general banking, bancassurance and home remittance business represented by a 37 percent year-on-year growth in fee, commission and brokerage income. Besides, dividend income, foreign trade income and unrealized gain of revaluation also touted growth.

Non-mark-up expense grew by 28 percent year on year in CY13 owing to expansion in JSBLs branch network expansion. This tends to hurt the bottom line but the bank availed the tax-benefit of Rs1.4 billion from the previous years and ended up posting a bottom line growth of 2 percent year on year in CY13.

In order to meet the minimum capital requirement (MCR), JSBL has planned to issue un-listed, convertible, irredeemable, perpetual, non-cumulative preference shares worth Rs1.5 billion for which it has obtained approval from the SBP. Besides, reportedly, the SBP is also likely to grant permission to JSBL to acquire HSBC (Pakistan) operating with 10 branches nationwide and deposit size of Rs46bn.

The acquisition of HSBC (Pakistan) is expected to increase JSBLs footprint in consumer banking which could further tilt its portfolio in favour of advances. Besides, it would also help the bank in meeting the capital shortfall.

However, the grey area is coverage ratio standing at a low-level of 49 percent as of 9M CY13. This would trigger the bank to book high provisioning expenses going forward. Besides, prospects of branch expansion will increase non-mark-up expenses. While these two expenses seem unavoidable, a slight modification in the deposit-mix could keep a check on mark-up expenses and improve the spreads.

============================================================
JS BANK LIMITED (CONSOLIDATED P&L)
============================================================
Rs (mn)                                CY12     CY13     Chg
============================================================
Markup Earned                         6,168    6,970     13%
Markup Expenses                       3,732    4,513     21%
Net Markup Income                     2,437    2,457      1%
Provisioning/(Reversal)                 530      264    -50%
Net Markup Income after provisions    1,907    2,193     15%
Non Mark-up/Interest Income           2,148    2,597     21%
Operating Revenues                    4,055    4,790     18%
Non Mark-up / Interest Expenses       2,896    3,712     28%
Profit Before Taxation                1,159    1,078     -7%
Taxation                                338      240    -29%
Profit After Taxation                   821      838      2%
EPS (Rs)                               0.71     0.44    -38%
============================================================
Source: KSE Notice
============================================================
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on February 28, 2014, 12:40:03 PM
"The acquisition of HSBC (Pakistan) is expected to increase JSBLs footprint in consumer banking which could further tilt its portfolio in favour of advances. Besides, it would also help the bank in meeting the capital shortfall. "

if hsbc wants out of pakistan, it means jsbank-hsbc deal will be cash based. which means jsbl will need additional capital, so how will it help meeting the capital shortfall ?  uuu
Title: Re: JSBL -- JS Bank Ltd.
Post by: Farooq Qadir on February 28, 2014, 12:42:50 PM
HSBC -JSBL deal has been cancelled. The existing deal news are fake. Meezan is going to takover HSBC hopefully. :$:
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on February 28, 2014, 01:05:34 PM
HSBC -JSBL deal has been cancelled. The existing deal news are fake. Meezan is going to takover HSBC hopefully. :$:


yes, deal was cancelled some time ago. I dont know how the rumours started again.
Existing clients of hsbc will run away from hsbc if meezan bank takes over hsbc :)
Title: Re: JSBL -- JS Bank Ltd.
Post by: xenophanicguy on February 28, 2014, 01:14:59 PM
Deal between JS Bank and HSBC had been terminated in Oct 2013
Title: Re: JSBL -- JS Bank Ltd.
Post by: rashi on April 09, 2014, 07:21:01 PM
Farzooq bhi, any comments about this share, can it touch 8 or even 6 in short time
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on April 11, 2014, 03:10:51 PM
The bank capital requirement is achieved. Number of branches of 211 is also comfortable. The deposit growth is also substantial. The bank may give out some money to investors in one to two year time. Not bad stock at all.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on April 14, 2014, 10:57:02 AM
Its moving so fast
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on April 14, 2014, 01:36:35 PM
I think Jahangir Siddiqui is taking more interest to improve the JS Banks operations and resolve the issues so that he could take it upto mainstream banks level ....

I think Jahangir Siddiqui is taking more interest to improve the JS Banks operations and resolve the issues so that he could take it upto mainstream banks level ....

Keya kehty hain js uncle ky item bhe abhe chalny chahen
Index 25000 ko touch kr raha hy aur js ky rate 15000 index waly hain

bank is much safer than many other banks trading  below 5 rupees.
balance sheet is healthy. provisions are dragging down the earnings.. next year provisions maybe at similar level but earnings will improve specially with 1.5 billion addition capital
can give reasonable gains over next 15 months or so

took 5 months but chal para  :dance
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 16, 2014, 10:19:24 PM
good going , 7.5 target price
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on April 17, 2014, 01:41:42 AM
good going , 7.5 target price
My hamara target 10
12 month idea target
 :shoaby:
Title: Re: JSBL -- JS Bank Ltd.
Post by: rehanbari on April 17, 2014, 09:27:01 AM
Any news for HSBC Acquisition by JSBL.
Title: Re: JSBL -- JS Bank Ltd.
Post by: mansoorsajid on April 17, 2014, 10:20:23 AM
The  HSBC business is now being acquired by meezan bank and jsbl is no more in the  line
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 21, 2014, 07:39:17 PM
Good stock to buy in banking sector. EPS of 0.8 expected
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on April 25, 2014, 04:21:43 PM
Quarter eps0.12
Title: Re: JSBL -- JS Bank Ltd.
Post by: rana27 on May 01, 2014, 10:51:43 AM
kul kee rally mein yeh bhi chala tha more to come with JSCL rally.
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on May 12, 2014, 09:27:56 AM
 Keep an eye on it :biggthumpup:
Title: Re: JSBL -- JS Bank Ltd.
Post by: rashi on May 12, 2014, 02:21:46 PM
Keep an eye on it :biggthumpup:

whats ur stance about it
Title: Re: JSBL -- JS Bank Ltd.
Post by: ksewire on May 17, 2014, 01:25:20 PM
http://ksewire.blogspot.com/2014/05/js-bank-signs-multi-channel-contact.html
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on May 31, 2014, 04:31:49 PM
Why this stock is trading so high? Can it come again to 3.2 rupees once more?
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on May 31, 2014, 04:45:06 PM
It seems as if it will touch 3 rupees and then bounced back to seven rupees

 uuu

Why I was unable to double up my capital? Simple answer: Fear
Title: Re: JSBL -- JS Bank Ltd.
Post by: rana27 on June 06, 2014, 11:09:09 PM
Why this stock is trading so high? Can it come again to 3.2 rupees once more?
no way brother it will go 8 In sha ALLAH
Title: Re: JSBL -- JS Bank Ltd.
Post by: rana27 on June 06, 2014, 11:10:52 PM
8.7 million ka volume aur 0.45 ka izafa, satta honay wala hay
Title: Re: JSBL -- JS Bank Ltd.
Post by: rana27 on June 07, 2014, 10:07:44 PM
8.7 million ka volume aur 0.45 ka izafa, satta honay wala hay
jsbl chalay to peechay peechay jscl ki bhi movement banay :fingerscrossed1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on August 19, 2014, 04:20:58 PM
http://www.kse.com.pk/newsimage/56488-1.pdf

below expected result

NIMs have improved over previous quarter but increase in admin expenses and lower capital gains have erased those gains

 :confused1:

they should make JSIL pay them a large dividend...
Title: Re: JSBL -- JS Bank Ltd.
Post by: space on August 19, 2014, 04:23:00 PM
http://www.kse.com.pk/newsimage/56488-1.pdf

below expected result

NIMs have improved over previous quarter but increase in admin expenses and lower capital gains have erased those gains

 :confused1:

they should make JSIL pay them a large dividend...

so when to buy ? at current ? or wait for it to break 4 ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on August 20, 2014, 02:18:56 AM
Doubt it will break 4.
Buy below 4.7 sell above ? Hehe
Title: Re: JSBL -- JS Bank Ltd.
Post by: Kashif.toufiq on September 06, 2014, 07:20:35 PM
Some heavy accumulation in JSBL , we might see some dividend with year end and improved earnings/.
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on September 06, 2014, 08:04:03 PM
Some heavy accumulation in JSBL , we might see some dividend with year end and improved earnings/.
half year result 19 august ko announce ho chula hay, dividend to ager diya to full year mein hi day ga Jo Abhi 6 mahinay door hay, buying ho rahi hay , may be js waley ooper lay ker khood Jain
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on September 06, 2014, 09:39:33 PM
Some heavy accumulation in JSBL , we might see some dividend with year end and improved earnings/.
half year result 19 august ko announce ho chula hay, dividend to ager diya to full year mein hi day ga Jo Abhi 6 mahinay door hay, buying ho rahi hay , may be js waley ooper lay ker khood Jain
Correct. it seems like that.
My TP is 9 and 10.50  25% each.
long term for 50% end 2015 TP 12
Only assumptions.
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on October 14, 2014, 01:29:20 PM
Why JS bank is not increasing its branch network in 2014 for detail visit

http://investkarachi.blogspot.com/2014/10/financial-stock-analysis-of-js-bank-ltd.html
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on October 14, 2014, 04:04:12 PM
Why JS bank is not increasing its branch network in 2014 for detail visit

http://investkarachi.blogspot.com/2014/10/financial-stock-analysis-of-js-bank-ltd.html

why have you said they need additional equity ? they dont..
Title: Re: JSBL -- JS Bank Ltd.
Post by: ahmed499 on October 14, 2014, 07:00:11 PM
Why JS bank is not increasing its branch network in 2014 for detail visit

http://investkarachi.blogspot.com/2014/10/financial-stock-analysis-of-js-bank-ltd.html

why have you said they need additional equity ? they dont..

There is a requirement for bankers to keep certain percentage such as (8% equity capital) of risk adjusted assets. Hence in order to increase asset portfolio the bank has to increase equity capital. Under the current scenario, the banker has to keep not only minimum capital but also adequate capital given their risk profile of asset portfolio. the annual statement would exactly give how much the bank should keep capital before giving out any cash to shareholders.
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on October 15, 2014, 01:06:56 AM
Why JS bank is not increasing its branch network in 2014 for detail visit

http://investkarachi.blogspot.com/2014/10/financial-stock-analysis-of-js-bank-ltd.html

why have you said they need additional equity ? they dont..

There is a requirement for bankers to keep certain percentage such as (8% equity capital) of risk adjusted assets. Hence in order to increase asset portfolio the bank has to increase equity capital. Under the current scenario, the banker has to keep not only minimum capital but also adequate capital given their risk profile of asset portfolio. the annual statement would exactly give how much the bank should keep capital before giving out any cash to shareholders.

I am well aware of that, they have sufficient, in fact excess capital, for the assets they hold.
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on October 24, 2014, 06:01:25 PM
(http://www.kse.com.pk/newsimage/59450-2.gif)
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on November 14, 2014, 12:59:03 AM
crossed previous recent high of 6.99 to close at hte highest level since march 2012, which itself is a 5 year high

suggestions ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: asim.786 on November 14, 2014, 01:41:49 AM
http://www.kse.com.pk/notices-updates/detail2.php?id=4&nid=060286&qsid=847

Is this any worth ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: 007 on November 14, 2014, 07:08:07 AM
jscl ko follow kar raha hai

Title: Re: JSBL -- JS Bank Ltd.
Post by: SRN on November 20, 2014, 09:16:04 AM
http://www.brecorder.com/company-news/235:pakistan/1243945:js-bank-limited/?date=2014-11-20
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on February 27, 2015, 12:44:25 PM
(http://puu.sh/geD6V/817878871e.jpg)

http://www.kse.com.pk/newsattachment/063295.pdf
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on March 22, 2015, 02:49:51 AM
Isnt jsbl looking good on both trailing & forward ratios ?
Full year consolidated eps was 1.34 so p.e comes out to 4.92
Last quarter standalone eps was 61 paisa
Granted banks play with their q4 earnings to adj full year earnings, but still I think in 2015 we should be expecting full year consolidated eps of 2 at the very least.

Looking forward, at q1 results, jsbl is holding 17 billion  pibs as HFT & another 52 billion as AFS
Majority of these have a maturity of 2-3 years
With just  1.072 billion shares ( 1222 diluted ) as paid up capital, that can lead to huge earnings per share on small movements in its investments value

Anyone thinks its a bad idea ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on March 22, 2015, 02:52:14 AM
Isnt jsbl looking good on both trailing & forward ratios ?
Full year consolidated eps was 1.34 so p.e comes out to 4.92
Last quarter standalone eps was 61 paisa
Granted banks play with their q4 earnings to adj full year earnings, but still I think in 2015 we should be expecting full year consolidated eps of 2 at the very least.

Looking forward, at q1 results, jsbl is holding 17 billion  pibs as HFT & another 52 billion as AFS
Majority of these have a maturity of 2-3 years
With just  1.072 billion shares ( 1222 diluted ) as paid up capital, that can lead to huge earnings per share on small movements in its investments value

Anyone thinks its a bad idea ?

basically they have taken an epic bet on decreasing interest rates in the country .. gone long on long dated pibs via borrowing in short term repo market
Risks are there of course, but still, it looks good for short term trade, q1 result is only a month or so away
Title: Re: JSBL -- JS Bank Ltd.
Post by: SAM71 on March 22, 2015, 10:44:12 AM
Only bad thing is their owners/sponsors who all the time think of giving a beating to the minority shareholders.
Title: Re: JSBL -- JS Bank Ltd.
Post by: jamalakhter on March 23, 2015, 10:02:25 PM
Only bad thing is their owners/sponsors who all the time think of giving a beating to the minority shareholders.
                                              True
Title: Re: JSBL -- JS Bank Ltd.
Post by: ali-ahmad on March 28, 2015, 11:07:02 AM
any information aboiut meeting?
Title: Re: JSBL -- JS Bank Ltd.
Post by: ali-ahmad on March 31, 2015, 02:25:44 PM
metting ki koi information nahe?
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on March 31, 2015, 03:35:49 PM
metting ki koi information nahe?

which meeting ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: ali-ahmad on April 01, 2015, 04:14:29 PM
AGM ki
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on April 01, 2015, 06:46:51 PM
AGM ki


Agm was on the 27th or the 30th
Kiya Karna hai agm ka apko?
Title: Re: JSBL -- JS Bank Ltd.
Post by: ali-ahmad on April 02, 2015, 08:57:36 AM
according to notice it was on 27th march but after that no notice place about the meeting. jsbl nay investment approve kerna thi is meeting may. jsil, jsbl, efu 
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on April 02, 2015, 12:27:47 PM
according to notice it was on 27th march but after that no notice place about the meeting. jsbl nay investment approve kerna thi is meeting may. jsil, jsbl, efu

Investments were probably approved. Jscl owns 70% of jsbl ,  and investor participation is negligible in agms so .....
Title: Re: JSBL -- JS Bank Ltd.
Post by: ali-ahmad on April 03, 2015, 10:37:45 AM
right....
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on April 05, 2015, 05:50:43 AM
according to notice it was on 27th march but after that no notice place about the meeting. jsbl nay investment approve kerna thi is meeting may. jsil, jsbl, efu

Investments were probably approved. Jscl owns 70% of jsbl ,  and investor participation is negligible in agms so .....

http://www.kse.com.pk/notices-updates/detail2.php?id=4&nid=064200&pagesize=1&pageno=4
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on April 08, 2015, 06:34:50 AM
according to notice it was on 27th march but after that no notice place about the meeting. jsbl nay investment approve kerna thi is meeting may. jsil, jsbl, efu

Investments were probably approved. Jscl owns 70% of jsbl ,  and investor participation is negligible in agms so .....
Does this mean if JSBL goes 12 then JSCL can go to 30+ ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: MZ on April 13, 2015, 05:15:16 PM

The Bell
 
Off the Grid Call - JS Bank Limited
Company Overview


JS Bank Limited (JSBL) is amongst the smaller banks in Pakistan with a deposit base of ~PKR110bn, and is listed on the Karachi Stock Exchange, with a long-term and short-term entity ratings of "A+" (Single A Plus) and "A1" (A One), respectively. It has a branch network of 238 branches and 175 automated teller machines (ATMs) throughout the country. The bank is engaged in retail and consumer banking, treasury, corporate and commercial banking and investment banking.
Investment perspective
We highlight JSBL as an attractive investment option and recommend taking exposure in the  stock as it is trading at CY14 (trailing) PBV of 0.6x and PER of 6.87x at current prices against average of small banks’ trailing PBV of 0.8x and PER of 11.1x. The stock offers 44% upside had it been trading at small banks average PBV of 0.8x and a FV of PKR10/sh. With comfort on CAR and equity front, we feel the stock is up for rerating given improving earnings outlook of the bank and decent coverage/infection ratio when compared to peer banks, with CY15 earnings announcements likely to be a major trigger. BUY

CY15 earnings would be major trigger for JSBL to rally
JSBL posted notable earnings growth of 1.6x to PKR0.99/sh in CY14 largely arising from realization of capital gains on sale of PIBs during 4QCY14. We estimate that earnings of the bank would continue to post sharp growth in CY15 backed by: 1) Large PIB portfolio to shield NII attrition due to DR cut; and 2) Strong capital gains would continue to keep non interest income on the higher side.

Large PIB portfolio to shield NII attrition due to DR cutWe expect JSBL to post sharp earnings growth of almost 33% YoY in CY15 after a healthy 1.6x YoY growth in CY14. Earnings growth would largely stem from 5.4x YoY jump in PIB portfolio of the bank which would primarily mitigate earnings attrition resulting from 200bps cut in interest rates. JSBL shifted its focus to build up PIB portfolio in CY14 putting fresh deposits and maturing TBills into PIBs increasing the PIBs to PKR70bn which now form almost 85% of the total investments while TBills contribute 7% to the total investments as of Dec-14 against 58% in CY13. We estimate JSBL’s net interest income to grow by 36% YoY to PKR5.2bn as a result of higher yields locked in on PIBs most of which have an average maturity of almost two to three years
.
Strong capital gains would continue to keep non interest income on the higher sideJSBL holds almost PKR2.4bn unrealized gains on its available for sale (AFS) portfolio despite having recognized capital gains amounting to PKR1.17bn during 4QCY14 largely arising on sale of PIBs. We believe that another 150bps cut in interest rates in 1QCY15 would have augmented these unrealized gains further. It is likely that the bank would realize some proportion of these gains in CY15 as well which would support earnings growth during the year. However, if we estimate CY15 capital gains to remain 50% YoY lower than the previous year, we still get a 33% YoY jump in earning. After tax EPS impact of PKR2.4bn unrealized capital gains would be PKR1.98 (2.0x higher than CY14 EPS of PKR0.99).

Improvement in cost to income ratio somewhat reflects operational efficiency
JSBL’s posted decent improvement in its cost to income ratio during CY14 as cost to income ratio fell by 14pp from 76% in CY13 to 62% in CY14. This was largely driven by substantial growth in total revenues which outpaced opex despite 32% spike in opex together with hefty jump of 38% YoY in total deposits. However, strong deposit mobilization led to deterioration in CASA of the bank which fell by 11pp from 64% in Dec-13 to 53% in Dec-14.

However, JSBL managed to improve its asset quality
JSBL displayed notable improvement in its asset quality. Key asset quality ratios posted improvement during the year such as infection ratio fell by 3pp YoY to 4.8% while NPL coverage ratio improved by almost 21pp YoY to 73% in CY14 against 51% in CY13. NPL stock grew by a small 2.0% during CY14 as compared to the same period last year. We believe that adequate provisioning shall help limit NPL provisioning going forward given that low interest rates would likely result in slower NPL accretion.

elixir
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on April 28, 2015, 01:07:26 PM
jsbl reported 14 paisa standalone basis
however, profit was 308 million and on paid up capital as at 31 dec of 1072 million shares, eps comes to 28 paisa not 14


any ideas wtf happened ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on April 28, 2015, 03:32:22 PM
jsbl reported 14 paisa standalone basis
however, profit was 308 million and on paid up capital as at 31 dec of 1072 million shares, eps comes to 28 paisa not 14


any ideas wtf happened ?

Talked to JSBL CFO
He kindly explained that because of the nature/structure of preference shares, the dividend payable on 2014 profits was charged to profit& loss when it became payable which was after shareholder approval at the AGM on 27 march.
So 155 million was charged in q1 2015

JSBL is on course to post 1.2+ unconsolidated and 1.7-1.9 consolidated (depending upon how much of jsil/efug/eful/jsgcl they manage to buy by year end)
Title: Re: JSBL -- JS Bank Ltd.
Post by: buffet on April 28, 2015, 03:42:55 PM
in that case hold or sell?
Title: Re: JSBL -- JS Bank Ltd.
Post by: ali-ahmad on April 28, 2015, 05:11:06 PM
in shares may ab tek koi khas buying nahe aai hai. keb tek jsbl nay buying kerni hai?
Title: Re: JSBL -- JS Bank Ltd.
Post by: MZ on April 28, 2015, 06:11:55 PM

Result Update
 
JSBL – Results outperform expectations

JS Bank Limited (JSBL) announced its 1QCY15 results today. The bank posted 1CY15 earnings of PKR304mn, translating into EPS of PKR0.28, up 1.2x against the consecutive period last year and 25% higher than our expectations. 1QCY15 earnings fell by 53% on QoQ basis.
JSBL posted substantial growth of 60% in its net interest income (NII) largely driven by high yields locked in on its PIB portfolio.
Non-interest income of the bank grew by a hefty 1.1x YoY supported by sizeable capital gains which grew by 3.1x YoY while non-funded income also remained strong and increased by 24% YoY.
JSBL’s NPL provisioning increased by 14.4x YoY during 1QCY15.
For some odd reason, the reported EPS (PKR0.14) seems to be different from the one calculated by the latest shares outstanding (PKR0.28), which has led to share price underperformance post result announcement. We await clarity on this front by the Bank.
We continue to remain optimistic on JSBL which is trading at CY14 PBV of 0.63x.

elixir
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on May 01, 2015, 02:13:40 AM
http://www.jsbl.com/wp-content/uploads/2015/04/JS-Bank-First-Quarter-Report-March-31-2015.pdf

(http://puu.sh/hwIVO/d00e36861d.png)
Title: Re: JSBL -- JS Bank Ltd.
Post by: rehanbari on May 01, 2015, 03:36:01 AM
http://www.jsbl.com/wp-content/uploads/2015/04/JS-Bank-First-Quarter-Report-March-31-2015.pdf

(http://puu.sh/hwIVO/d00e36861d.png)

High expense in Commercial banking because of opening new branches right?
This way might show less profit in next quarter because of buying shares of EFUG, L and JSIL. So we might not get good unconsolidated EPS this year ?
Title: Re: JSBL -- JS Bank Ltd.
Post by: hammad01 on June 02, 2015, 01:30:57 AM
JSBL bank hi hana? bank ka sath chalta nahi ha.
SBM and Hassnain bro any targets for august or decmeber 2015?
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on June 26, 2015, 02:53:27 PM
JSBL bank hi hana? bank ka sath chalta nahi ha.
SBM and Hassnain bro any targets for august or decmeber 2015?

dance
awesome share
 :biggthumpup:
buy around 6 sell above 7
Title: Re: JSBL -- JS Bank Ltd.
Post by: hammad01 on June 26, 2015, 02:55:26 PM
JSBL bank hi hana? bank ka sath chalta nahi ha.
SBM and Hassnain bro any targets for august or decmeber 2015?

dance
awesome share
 :biggthumpup:
buy around 6 sell above 7
Thanks SBM bro for pointing that out few months back has done some 10% profit taking
Title: Re: JSBL -- JS Bank Ltd.
Post by: hammad01 on June 29, 2015, 09:07:01 PM
JSBL bank hi hana? bank ka sath chalta nahi ha.
SBM and Hassnain bro any targets for august or decmeber 2015?

dance
awesome share
 :biggthumpup:
buy around 6 sell above 7
Thanks SBM bro for pointing that out few months back has done some 10% profit taking
Excellent! Another 10% profit taking done above 7.6. Baki 10% around 8. :fingerscrossed1:
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on July 09, 2015, 12:44:20 PM
jsbl reported 14 paisa standalone basis
however, profit was 308 million and on paid up capital as at 31 dec of 1072 million shares, eps comes to 28 paisa not 14


any ideas wtf happened ?

Talked to JSBL CFO
He kindly explained that because of the nature/structure of preference shares, the dividend payable on 2014 profits was charged to profit& loss when it became payable which was after shareholder approval at the AGM on 27 march.
So 155 million was charged in q1 2015

JSBL is on course to post 1.2+ unconsolidated and 1.7-1.9 consolidated (depending upon how much of jsil/efug/eful/jsgcl they manage to buy by year end)

 :biggthumpup:
why dont we have a heart smiley ? need one
Title: Re: JSBL -- JS Bank Ltd.
Post by: sAr on July 09, 2015, 05:06:46 PM
jsbl reported 14 paisa standalone basis
however, profit was 308 million and on paid up capital as at 31 dec of 1072 million shares, eps comes to 28 paisa not 14


any ideas wtf happened ?

Talked to JSBL CFO
He kindly explained that because of the nature/structure of preference shares, the dividend payable on 2014 profits was charged to profit& loss when it became payable which was after shareholder approval at the AGM on 27 march.
So 155 million was charged in q1 2015

JSBL is on course to post 1.2+ unconsolidated and 1.7-1.9 consolidated (depending upon how much of jsil/efug/eful/jsgcl they manage to buy by year end)

 :biggthumpup:
why dont we have a heart smiley ? need one

+1
Title: Re: JSBL -- JS Bank Ltd.
Post by: dr.muhammad zia on July 09, 2015, 06:43:42 PM
jsbl reported 14 paisa standalone basis
however, profit was 308 million and on paid up capital as at 31 dec of 1072 million shares, eps comes to 28 paisa not 14


any ideas wtf happened ?

Talked to JSBL CFO
He kindly explained that because of the nature/structure of preference shares, the dividend payable on 2014 profits was charged to profit& loss when it became payable which was after shareholder approval at the AGM on 27 march.
So 155 million was charged in q1 2015

JSBL is on course to post 1.2+ unconsolidated and 1.7-1.9 consolidated (depending upon how much of jsil/efug/eful/jsgcl they manage to buy by year end)

 :biggthumpup:
why dont we have a heart smiley ? need one

+1

+1
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on October 28, 2015, 06:02:01 PM
@SBM Bro, there is nobody happy here.  :dance
i have 1.5% of my pfolio Shukur hay. woh bhe 1% bought in 3.97 long ago. bechnay se dar lagta hai itna CGT lagatay hain. Allah Maaf karay. :@
they may take CGT but detay kya hain.
 
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on October 28, 2015, 06:17:19 PM
@SBM Bro, there is nobody happy here.  :dance
i have 1.5% of my pfolio Shukur hay. woh bhe 1% bought in 3.97 long ago. bechnay se dar lagta hai itna CGT lagatay hain. Allah Maaf karay. :@
they may take CGT but detay kya hain.

i am the happiest
mein tu ghumata rehta hun
:P
best share
Title: Re: JSBL -- JS Bank Ltd.
Post by: Koolfire on February 04, 2016, 04:57:20 AM
(https://scontent-hkg3-1.xx.fbcdn.net/hphotos-xfp1/v/t1.0-9/12647151_10208715993968138_2701035874784838296_n.jpg?oh=da38f3795035eea5af037662214da228&oe=573736D8)
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on March 16, 2016, 02:16:32 AM
http://www.jsbl.com/wp-content/uploads/2012/10/JS-Bank-Annual-Report-December-31-2015.pdf
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on April 19, 2016, 01:03:01 PM
crazy increase in admin expenses

http://www.psx.com.pk/newsattachment/080379.pdf

good result otherwise
Title: Re: JSBL -- JS Bank Ltd.
Post by: alicima on April 19, 2016, 01:31:14 PM
crazy increase in admin expenses

http://www.psx.com.pk/newsattachment/080379.pdf

good result otherwise
(http://i66.tinypic.com/2vsrtbn.jpg)
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on November 17, 2016, 09:39:01 PM
 :thumbsup_anim: good show today, no one here to celebrate
Title: Re: JSBL -- JS Bank Ltd.
Post by: Irfankhan on November 17, 2016, 10:20:00 PM
:thumbsup_anim: good show today, no one here to celebrate
Kar letay hain celeberate.
 :dance :dance :dance

 :shoaby:
Title: Re: JSBL -- JS Bank Ltd.
Post by: SBM on November 17, 2016, 11:14:51 PM
:thumbsup_anim: good show today, no one here to celebrate
Kar letay hain celeberate.
 :dance :dance :dance

 :shoaby:

i sold some between 10 n cap
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on January 11, 2017, 11:53:07 PM
Good movement
Title: Re: JSBL -- JS Bank Ltd.
Post by: online88 on January 13, 2017, 07:44:00 PM
Good movement
positive closing , hopefully close above 12 next week In Sha ALLAH