Allied Bank Limited · PSX:ABL
Allied Bank — H1 2021 Earnings Presentation
22 slides from Allied Bank's earnings presentation, Jun 30, 2021
Slide 1: Allied Bank Limited Financial Presentation – June 2021
LLIED BANK LIMITED Financial Presentation – June 2021
Slide 2: Contents
Contents ABL at a Glance & Economic Highlights Investments Deposits Stock Market Data Annexures 1-2 3-5 6 7 8 9 10 11-12 13-17 Major Highlights Advances & Key Ratios & Awards & Balance Sheet Asset Quality Channels CGR Income Statement
Slide 3: ABL at Glance
ABL at Glance ATMs:1,559 Entity Credit Rating On-site: 1,238 Off-site: 318 Overseas Long Term: AAA MBU: 3 Short Term: A1+ Corporate Branches: 2 Governance Bahrain WBU Rating Export Processing Subsidiary Rep Offices: CGR 9+ Zone Asset Management 2 Domestic Co. Ltd. UAE-Dubai Holding 100% Digital Chin
Slide 4: Economic Highlights
Economic Highlights *(US$ Millions)
Slide 5: Highlights Financial Position (Assets)
Highlights Financial Position (Assets) (Rs. in Billion) 2,000 245 300 1,800 200 1,600 21 1,400 -12 1 100 • Total Assets reached at Rs. 1,200 0 1,845 billion (Increase of 16%). 1,000 -8% 30% 4% 1% -100 1,845 800 1,590 600 -200 • Investment portfolio optimized -300 by increasing the mix of 400 200 -40
Slide 6: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in Billion) 2,000 162 200 1,800 98 1,600 100 -2 • Total Liabilities stood at Rs. 1,400 0 1,200 83% 8% -5% 1,717 Billion (Increased by 1,000 -100 18%) 800 1,717 1,459 -200 600 400 200 -300 • CASA June’21 Stood at: 86% - -400 (Dec’20: 87%). Dec-20 Borro
Slide 7: Highlights Income Statement
Highlights Income Statement (Rs. in Million) • Net interest income (NII) stood at Rs. 10,000 23,018 million during period under review, 1,235 1,541 down by 9%. 9,000 8,000 -2,164 -2,519 -300 7,000 • Fee & Commission, Dividend Income and 18% 10% -5% 6,000 Capital Gains increased by 17%, 53% and 5,000
Slide 8: Investments
Investments (Rs. in Million) Investments Jun' 21 Dec'20 Var. Growth Pakistan Investment Bonds (PIBs) 423,081 407,300 15,781 4% Market Treasury Bills 594,841 360,865 233,976 65% Listed and Unlisted Shares 18,898 20,604 (1,705) -8% TFCs, Bonds, Sukuks and Mutual Funds 35,732 35,285 447 1% Subsidiary 5
Slide 9: Advances & Asset Quality
Advances & Asset Quality (Rs. in Billion) 600 9% 7.8% 510 530 8% • Gross advances stood at RS. 530 billion (4%↑) 7.2% 500 500 6.8% 7.0% 454 (Industry Increase; 6%↑) 6.4% 7% 5.9% 389 400 6% • Gross ADR ratio reached 40% (Industry Jun’21 341 349 4.6% 326 5% ADR: 45%) 300 289 285 262 3.1% 4% 3.2% 200 2
Slide 10: Deposits
Deposits (Rs. in Billion) Particulars Jun' 21 Dec' 20 Var (%) Market Share: 6.6% Current 546 491 11% Industry Growth: 11% Saving 580 570 2% Term 189 155 22% CASA Mix: 86% Total Deposits 1,315 1,217 8% 1,400 1,315 1,217 1,200 1,049 985 1,000 883 1,127 1,062 805 800 735 668 868 608 809 600 515 690 400
Slide 11: Key Ratios & Channels
Key Ratios & Channels Key Ratios Particulars Jun'21 Dec'20 Variance Return on Assets (%) 1.0% 1.2% -0.2% Return on Equity (Tier I) (%) 17.2% 18.8% -1.6% Capital Adequacy Ratio (%) 25.7% 25.2% 0.5% Channels Jun' 21 Dec' 20 Growth Total Branches 1,402 1,402 - Conventional 1,285 1,285 - Islamic 117 117
Slide 12: Stock Market Data
Stock Market Data 600000% Allied Bank Limited (ABL) Stock Price vs Market - Trend 40.0% 500000% 30.0% Pakistan Stock Exchange Code: ABL 20.0% 400000% Bloomberg Code: ABL PA 300000% 10.0% 0.0% Shares Outstanding (mln): 1,145.07 200000% -10.0% Market Capitalization (Rs. bln): 84.91 100000% -20.0% 0% -
Slide 13: Awards and Accolades
Awards and Accolades 1 2 3 4 5 6 7 8 Asian Banking The Asset Triple Finance Corporate Asian Banking Pakistan Digital Asia Money- Global and Finance A Asia Asia and Finance Awards 2020 Best Bank for Diversity & Excellence (ABF) Corporate Infrastructure Country (ABF) 1. Best Mobile CSR 2021 Award - &
Slide 14: Corporate Governance & Ratings
Corporate Governance & Ratings Entity Rating CGR PACRA Deposits VIS Credit Rating • AAA (Long Term) Company • A1+ (Short Term) • CGR-9+ (Corporate • A very low expectation of Governance Rating) Moody’s credit risk emanating from a • Very high level of corporate very strong capacity for timely paymen
Slide 15: Annexures
Annexures Pakistan Annexure A Digital Awards Statement 2020Position - Standalone Basis of Financial 1. Best Mobile Banking Annexure B App Statement of Financial Position - Consolidated Awards 2. Best Digital Annexure C Innovation Income Statement Award - Standalone Basis 3. Best App and AnnexureWebD
Slide 16: Statement of Financial Position : Standalone
Statement of Financial Position : Standalone Rs. in Million US$ in Million ASSETS Growth Jun'21 Dec'20 Variance Jun'21 Dec'20 Variance Cash and Balances with Banks 134,458 135,628 (1,171) 853 861 (7) -1% Lending to FIs 7,369 17,996 (10,627) 47 114 (67) -59% Investments - net 1,074,807 829,621 245,18
Slide 17: Statement of Financial Position : Consolidated
Statement of Financial Position : Consolidated Rs. in Million US$ in Million ASSETS Growth Jun' 21 Dec'20 Variance Jun' 21 Dec'20 Variance Cash and Balances with Banks 134,458 135,625 (1,168) 853 861 (7) -1% Lending to FIs 7,369 17,996 (10,627) 47 114 (67) -59% Investments - net 1,076,655 831,704 24
Slide 18: Income Statement : Standalone
Income Statement : Standalone Rs. in Million US$ in Million Particulars Growth Jun' 21 Jun'20 Variance Jun' 21 Jun'20 Variance Mark-up and Interest Income 53,337 61,947 (8,610) 339 393 (55) -14% Mark-up and Interest Expensed 30,319 36,765 (6,446) 192 233 (41) -18% Net Mark-up and interest Income 23,
Slide 19: Income Statement : Consolidated
Income Statement : Consolidated Rs. in Million US$ in Million Particulars Growth Jun' 21 Jun'20 Var. Jun' 21 Jun'20 Var. Mark-up and Interest Income 53,339 61,948 (8,609) 339 393 (54) -14% Mark-up and Interest Expensed 30,330 36,767 (6,437) 193 233 (41) -18% Net Mark-up and interest Income 23,009 25
Slide 20: 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 21: Contact Us
Contact Us Syed Khuram Abbas +92-42-35880043 Investor.Relations@abl.com Divisional Head Ext: 31482 Strategic Planning & Management 21 Reporting, Finance 21
Slide 22: Thank You
THANK YOU. : (HH