Allied Bank Limited · PSX:ABL
Allied Bank — Investor Presentation (March 2026)
20 slides from Allied Bank's investor presentation, Mar 31, 2026
Slide 1: Investor Presentation March 31, 2026
INVESTOR PRESENTATION March 31, 2026
Slide 2: Contents
Contents 3 ABL at a Glance 12 Stock Market Data 4 Digital Channels 13 Key Ratios 5 Economic Highlights 1D4-17 Financial Highlights 6-11 Key Revenue Drivers 18 Disclaimer 19 Contact Us D20 Question & Answers
Slide 3: ABL At a Glance – March 2026
ABL At a Glance – March 2026 As on December 31, 2025 Rs. 3.7T Total Assets Increased by 9% in Q1 1,535 1,699 Total Branches Total ATMs Total Deposits Rs. 2.4T 1,233 302 1,447 Islamic Conventional Onsite ATMs Total Accounts Branches 10.9 Mn 378,000+ new accounts Branches opened in 2025 396 244 23.83%
Slide 4: Digital Channels
Digital Channels 2.8 Million icon 2.3 Million icon 4.0 Million icon 2600+ Participants myABL App Registrations WhatsApp Banking Users Cards In Circulation Fintech Hackathon 17% year-on-year increase Pakistan's first WhatsApp bank Debit & credit combined 4th FinTech ABL Hackathon 90 : 10 icon 29 12,2
Slide 5: Economic Highlights
Economic Highlights SBP Reserves (US$ Million) & Exhange Rate 5,000 Workers Remmittances- US$ Million 20,000 286 4,000 15,000 284 282 3,000 10,000 280 2,000 5,000 278 1,000 - 276 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 0 SBP Reserves (US$ million) E
Slide 6: Assets
ASSETS FINANCIAL POSITION HIGHLIGHTS Rs. in Billion ABL Industry TOTAL ASSETS Particulars Mar'26 Dec'25 Cash, Bank Balance & Lending to FI's 196 185 Growth Growth 6% -5% Rs. 3,685 March 2026 Investments - Net 2,505 2,137 17% 3% ▲ 9% vs Dec’25 (Rs. 3,370) Advances - Net 704 790 -11% 3% Operating Fixe
Slide 7: Liabilities
LIABILITIES Rs. in Billion FINANCIAL POSITION HIGHLIGHTS ABL Industry Particulars Mar'26 Dec'25 TOTAL LIABILITIES Growth Growth Borrowings 962 644 49% 8% Rs. 3,442 Deposits and Other Accounts 2,377 2,346 1% 4% March 2026 Bills Payable & Other Liabilities 103 117 -12% -6% ▲ 11% vs Dec’25 (Rs. 3,107)
Slide 8: Income Statement
INCOME STATEMENT Rs. in Million PROFIT & LOSS HIGHLIGHTS NET INTEREST INCOME PROFIT BEFORE TAX PROFIT AFTER TAX Rs. 27,804 March 2026 Rs. 16,867 March 2026 Rs. 8,261 March 2026 ▲ 10% vs Dec’25 (Rs. 25,364) ▼ 3% vs Dec’25 (Rs. 17,315) ▲ 1% vs Dec’25 (Rs. 8,190) EPS reached 7.21, increasing by 1%. Par
Slide 9: Advances and Asset Quality
ADVANCES AND ASSET QUALITY Rs. in Billion G RO SS ADV ANCES Rs. 717 March 2026 Down from 802 Billion from 2025 NPLS 25 Rs. 12.4 91.9% 96.7% 96.3% March 2026 86.4% 87.5% 95.3% 96.2% 92.6% 94.6% 94.9% 20 93.4% Specific Coverage Ratio: 93.4% 93.4% 89.6% 15 G RO SS ADR 30.18% 10 Key Lending sectors: 5 •
Slide 10: Deposits
DEPOSITS Rs. in Billion Particulars Mar' 26 Dec' 25 Var. Market Share: 6.3% Current 927 933 -1% ABL CA Growth: -1% Saving 988 1,020 -3% Term 462 393 17% Total Deposits 2,377 2,346 1% ABL CASA Mix: 81% 2,346 2,377 2,018 1,677 1,522 1,953 1,413 1,915 1,731 1,217 985 1,049 1,423 805 883 1,201 735 1,189
Slide 11: Investments
INVESTMENTS Rs. in Million Investments Mar'26 Dec'25 Var. Growth Pakistan Investment Bonds 1,692,964 1,423,278 269,685 19% Market Treasury Bills 516,183 413,555 102,628 25% Listed and Unlisted Shares 22,167 12,673 9,495 75% TFCs, Bonds, Sukuks and Mutual Funds 282,516 246,016 36,500 15% Subsidiaries
Slide 12: Stock Market Data
Stock Market Data Pakistan Stock Exchange Code: ABL Allied Bank Limited (ABL) Stock Price vs Market - Trend 160.0% Bloomberg Code: ABL PA 140.0% 120.0% Shares Outstanding (mln): 1,145.07 100.0% Market Capitalization (Rs. bln): 196.757 80.0% 60.0% Market Capitalization (US$ mln): 705 40.0% 20.0% Curr
Slide 13: Key Ratios
Key Ratios R E TU RN O N A S S E T S RAT I O R ETU RN ON EQ U ITY R AT IO 2.00% 35.00% 1.78% 1.68% 29.40% 30.00% 1.50% 26.01% 25.00% 1.14% 18.41% 18.73% 0.99% 20.00% 0.96% 0.95% 1.00% 16.46% 16.73% 15.00% 0.50% 10.00% 2021 2022 2023 2024 2025 M AR- 2 6 2021 2022 2023 2024 2025 MA R-2 6 CAPITAL ADEQ
Slide 14: Balance Sheet – Standalone
Balance Sheet – Standalone Rs. in Million US$ in Million ASSETS Growth Mar'26 Dec'25 Variance Mar'26 Dec'25 Variance Cash and Balances with Banks 183,472 184,861 (1,389) 657 662.22 (5) -1% Lending to FIs 12,693 - 12,693 45 - 45 100% Investments - net 2,505,043 2,137,087 367,956 8,974 7,656 1,318 17%
Slide 15: Balance Sheet – Consolidated
Balance Sheet – Consolidated Rs. in Million US$ in Million ASSETS Growth Mar'26 Dec'25 Variance Mar'26 Dec'25 Variance Cash and Balances with Banks 183,719 185,064 (1,345) 658 663 (5) -1% Lending to FIs 12,693 - 12,693 45 - 45 100% Investments - net 2,508,678 2,140,315 368,363 8,987 7,667 1,320 17%
Slide 16: Profit & Loss Statement – Standalone
Profit & Loss Statement – Standalone Rs. in Million US$ in Million Particulars Growth Mar'26 Mar'25 Variance Mar'26 Mar'25 Variance Mark-up and Interest Income 83,699 71,647 12,052 300 257 43 17% Mark-up and Interest Expensed 55,895 46,283 9,612 200 166 34 21% Net Mark-up and interest Income 27,804
Slide 17: Profit & Loss Statement – Consolidated
Profit & Loss Statement – Consolidated Rs. in Million US$ in Million Particulars Growth Mar'26 Dec'25 Variance Mar'26 Dec'25 Variance Mark-up and Interest Income 83,717 71,685 12,032 300 257 43 17% Mark-up and Interest Expensed 55,892 46,281 9,611 200 166 34 21% Net Mark-up and interest Income 27,82
Slide 18: Disclaimer
Disclaimer The information being presented herein is solely for your information. Except for the historical information, statements that describe the Bank’s objectives, plans or goals discussed in Investor Conference Call are forward looking statements. These forward-looking statements involve a num
Slide 19: Contact Us
Contact Us Sikander Ali Khan Unit Head Strategic Planning, Finance +92-42-35880043 Ext: 32637 Investor.Relations@abl.com
Slide 20: Questions & Answers
THANKYOU ied Bank 2 Q 5 e 8 z i 2 Hy a 3 3 8 fa 8 3 ey ay i All 3