Askari Bank Limited · PSX:AKBL
Askari Bank — 9M 2025 Earnings Presentation
8 slides from Askari Bank's earnings presentation, Nov 4, 2025
Slide 1: Corporate Briefing Session
Corporate Briefing Session Performance Review Nine Months Ended September 30, 2025
Slide 2: AKBL - Overview
AKBL - Overview Sponsor Presence PSX Indicators Fauji Foundation Group – Over 128 cities across As of 31-Oct-25 71.9% Pakistan, and 2 countries, Share Price: Rs. 97.9 (Pakistan’s largest business Bahrain and China Market Cap: Rs.142 bn conglomerate) YTD +156% % Ratings Capital Adequacy Employees Lon
Slide 3: Growth Upto September 30, 2025
Growth Upto September 30, 2025 Total Assets Deposit Current Accounts Advances Rs 2.8 trillion Rs 1.5 trillion Rs 489 billion Rs 546 billion YTD +13% YTD +11% YTD +25% YTD -22% Profit (Pre Tax) Total Equity Cost to Return on Rs 43.3 Bn Rs 141 Bn Income Equity YoY +56% YTD +16% 44% 18% 1.9 M Customers
Slide 4: AKBL, Competition & PSX
AKBL, Competition & PSX YTD Sep’25 Growth YoY Growth Daily avg Price KSE100 AKBL 120% 80% 88% 120% 55% 31% 34% 84% BAFL HMB BAHL MEBL FABL AKBL 55% Trading Volumes 55% 79% 45% 39% 23% -9% BAHL MEBL FABL BAFL HMB AKBL -9% -18% -11% -60% -58% Dec-22 Dec-23 Dec-24 Sep-25 YTD 4-Nov-25 AKBL Corporate Bri
Slide 5: Balance Sheet
Balance Sheet Rs in billion Sep-24 Dec-24 Sep-25 YoY YTD Cash & bank balance 125 144 139 11% -3% Lendings to FIs 25 4 10 -60% 150% Advances 462 696 546 18% -22% Investments 1,496 1,510 1,969 32% 30% Fixed & other assets 185 144 163 -12% 13% Total Assets 2,293 2,498 2,827 23% 13% Deposits 1,407 1,364
Slide 6: Profit & Loss
Profit & Loss Quarterly 9 Months Ended Sep 30 Rs in billion Q3'24 Q2'25 Q3'25 QoQ YoY '24 '25 YOY Mark-up earned 105.2 72.7 76.5 5% -27% 311.7 225.0 -28% Mark-up expensed 86.4 52.0 53.7 3% -38% 267.4 159.8 -40% Net mark-up income 18.8 20.7 22.8 10% 21% 44.3 65.2 47% Fee & com 1.6 1.7 2.3 35% 44% 5.1
Slide 7: KPIs
KPIs Sep'24 Dec'24 Sep'25 Return on assets 0.8% 0.9% 0.9% Return on equity 17.6% 19.2% 18.4% Deposit growth (ytd) 8.8% 5.5% 11.1% CA growth (ytd) 7.6% 9.8% 25.3% Advances growth (ytd) -24.2% 10.9% -20.3% NPLs to gross advances 6.7% 6.5% 5.9% Provision coverage 118.5% 108.4% 112.8% Advances to deposi
Slide 8: Thank you
Thank you 4-Nov-25 AKBL Corporate Briefing 8