Formed a Digital Consumer Lending ACHIEVEMENTS Partnership ARTICLES Winner of the “Best bank for Environmental, Social Agreement with Google and Abacus To Be a Great Leader, You Have to Learn How to and Governance” Award Delegate Well Partnership with Thardeep Micronance Representing Pakistan at the UN HQ for the What is Open Banking? Prestigious Hult Prize Foundation The First bank in Pakistan to be approved by Green Partnership with HinoPak Motors Limited Climate Fund Pakistan Board Strategic Partnership with Atlas Honda Shaheen Complex Karachi crosses 100 PMYBL Strategic Partnership with Ali Akbar Group Careem Vehicles in less than 2 months! Strategic Partnership with Dysin Automobile CRBG's Terric Achievement in Consumer Limited Financing - Over Rs. 500 Million for the Month of August 2017 Partnered with PakWheels.com - Pakistan's #1 Automotive Portal Joined Pakistan Business Council SPONSORSHIPS INITIATIVES Distinguished Gentlemen’s Ride JS Raabta Current Account Market Storming – Pan Country! Karachi Biennale 2017 - Pakistan's Largest Contemporary Art Event Implementation of Foreign Exchange Sales Blotter 56th National Amateur Golf Championship Facilitated SBP’S Green Banking Initiative CORPORATE SOCIAL Tremendous Launch of JS Islamic Active Allocation Fund – Plan I! RESPONSIBILITY JS Elite Clients’ Corporate Shows for the Mahvash and Jahangir Siddiqui Foundation Quarter – Mulzim ya Mujrim and Date Night Collaborated with European Academy of Diplomacy for the Third Time in a row PARTNERSHIPS AND Mahvash and Jahangir Siddiqui Foundation Renews its Commitment to Acumen Pakistan ALLIANCES Inaugurated Jahangir Siddiqui Government School Introduced Instascan - Pakistan’s First in Thatta Mobile-Based Biometric Solution Collaborated with Zameen.com Establishing a Digital Pakistan’ with BlueEast Winner of the “Best bank for Environmental, Social and Governance” Award JS Bank won the best bank for member jury of experts comprising Syed Environmental, Social and Governance Salim Raza- former Governor, State Bank award at the Pakistan Banking Awards of Pakistan; Azhar Hamid- former Banking 2017 held at a local hotel in Karachi. This Mohtasib Pakistan and former Country award recognizes the overall Head, SCB Pakistan; Feroz Rizvi- President environmental, social and governance & CEO Pakistan Institute of Corporate impact that JS Bank initiatives have had Governance; Zeelaf Munir- MD & CEO in the areas such as health, education, English Biscuit Manufactures Pvt. Ltd. and sustainable development and relief Shehzad Naqvi- former Regional Head of efforts across the country. Citibank Middle East & Pakistan. The jury recognized JS Bank for being at Khalid Imran, President & CEO of JS Bank the forefront in this domain amongst all commenting on the occasion said the banks in Pakistan in criteria such as energy usage, waste disposal, social “I would like to thank the jury standards and transparent governance for this award on behalf of mechanisms. Among other initiatives entire JS Bank. This is only the that were instrumental in helping JS second edition of Pakistani Bank's win this award were being Banking award and it has recognized as the first commercial bank already gained tremendous to be WWF Green Office-certified and credibility and importance in being one of the first banks to have the financial sector. We as a branches that use solar power. bank, apart from ensuring our long term business plans are The Awards were held under the met, are very well aware of our auspices of the Institute of Bankers social responsibilities and Pakistan (IBP), DAWN and A.F. Ferguson strongly believe in giving back and Co. Tariq Bajwa, Governor of State to the community. Bank of Pakistan (SBP) was the Chief Guest on the occasion. I assure you all that as a team we will continue our efforts in The awards were adjudged by a 5 the best way possible.” Represented Pakistan at the UN HQ for the Prestigious Hult Prize Noman Azhar, Country Head, Branchless Banking, JS Bank, background of working within the telecom, technology Hult Prize is the world’s largest platform for the creation has joined Hult Prize Pakistan Board as a Mentor and and Banking industry making him an ideal resource for the and launch of for-good, for-profit startups emerging from Advisor. He has been selected for this honorary position upcoming challenging era of Digital Financial Services. universities. In nearly a decade, the movement has due to his vast experience and expertise in the field of deployed more than $50M of capital into this sector and Digital Financial Services and his efforts towards creation He would also be mentoring the winning team of the mobilized more than one million young people to and promotion of a social and financial ecosystem for the prestigious Hult Prize, Roshni Rides. Roshni Rides re-think the future of business as it continues to breed underserved people of Pakistan. He represented Pakistan constitutes a team of four Pakistan born US students, who disruptive innovation on college and university at the recently held Hult Prize Finals at the United Nations won the 1 Million US dollar prize money for their creative campuses across 100 plus countries. Hult prize brings Head Quarters. idea. They proposed an idea to establish a transport together the brightest college and university students network for 200 million urbanized refugees in South Asia, from around the globe to focus on one of the World's key Noman is one of the brightest young professionals to have who do not have access to resources like markets, social challenges and awards US $1,000,000 in start-up been regularly raising the Pakistani flag at different schools, hospitals and places of employment. The capital to the winner. The Hult prize methodology platforms for his contributions in the Digital Financial concept which made their idea unique is the use of solar focuses on launching disruptive social enterprise that are Services Sector, both locally and internationally. He has a powered rickshaws. impact centered, profit minded and market driven. Noman Azhar, Country Head - Branchless Banking JS Bank along with Roshni Rides, winning team of the prestigious Hult Prize, 2017 representing Pakistan at the United Nations. The f irst bank in Pakistan to Shaheen Complex Karachi crosses 100 PMYBL be approved by Green Careem Vehicles in less than 2 months! Climate Fund Pakistan Board In August, 2017 Shaheen Complex resulted in JS PMYBL Careem's portfolio branch set a new record by disbursing crossing PKR 200 million. More than 80 JS Bank has become the first bank in Pakistan to have been approved by the GCF 100 PMYBL Careem vehicles in a span of branches have been trained and are Pakistan Board, to apply to be an accredited entity for funding from The Green six months and set a standard for other actively processing PMYBL Careem cases. Climate Fund. By applying for funding from the GCF, JS Bank is committing itself to branches. Through the dedicated efforts This growth trajectory has also enabled JS battle the effects of climate change by investing in climate-resilient development of Syed Muhammad Mehdi Zaidi and Bank to climb up the ladder in PMYBL, and low-emission projects. Hammad Waqar, Shaheen Complex is the becoming one of the top five banks that top performing branch for PMYBL are actively lending through PMYBL. The Green Climate Fund (GCF) is a unique global initiative by the United Nations, Careem to date. This achievement also which was formed with the mission of keeping the temperature increase on Earth below two degrees Celsius. It was formed by 194 governments in order to limit or reduce greenhouse gas emissions in developing countries and deal with the unavoidable impacts of climate change CRBG's Terrif ic Achievement in Consumer Joining Pakistan Business Council Financing - Over Rs. 500 Million for the JS Bank became a member of the prestigious Pakistan Business Council (PBC). Set up Month of August 2017. in 2005, the Council constituted of members from 14 of the largest private sector companies in Pakistan and currently has 60 member institutions. The PBC is a pan-industry advocacy platform constituting of only the country’s top private sector organizations. It conducts research and awareness seminars regarding issues that plague business in Pakistan, compiles data and statistics regarding business opportunities and interacts with governments to foster economic and social growth. The Pakistan Business August 2017 was a splendid month for CRBG - JS Bank, specifically for Retail Assets. Disbursements in the month amounted to a record PKR 542 million, a first for CRBG. ouncil With mortgage leading the show and Prime Minister Youth Business Loan (PMYBL) C witnessing remarkable growth, the month closed with the following figures: FOSTERING ECONOMIC GROWTH Product No. of Cases Financing Amount (A Company set up under Section 42 of the Companies Ordinance 1984) Mortgage 10 cases Rs. 196 million Auto 150 cases Rs. 167 million PMYBL 89 cases Rs. 87 million GoldFinance 151 cases Rs. 73 million Credit Cards 75 cases Rs. 19 million JS Raabta Current Account Market Storming – Pan Country! 2017 is all about connectivity. With the Throughout the market storming activity aim of spreading awareness for JS Raabta the JS Raabta radio ad was also aired Current Account, a pan country Market which will continue throughout October Storming Activity was conducted in 2017. Highlights of the market storming September 2017. For three weeks, JS activities taking place in different cities Bank representatives in their bright JS were also shared on a daily basis on Raabta Current Account T-shirts facebook & twitter. The product team marched to different market areas of also kept all branches updated on the Pakistan putting the word out for JS market storming activity by sharing Raabta Current Account – Powered by regular updates. At the end of the Telenor 4G. From Karachi to Lahore, campaign, more than 600 Raabta Islamabad to Rawalpindi, be it Accounts has been opened with a Bahawalpur, Sukkur, Tando Allahyar or deposit balance of over than Rs.