Allied Bank Limited · PSX:ABL
Allied Bank — 9M 2018 Earnings Presentation
20 slides from Allied Bank's earnings presentation, September 2018
Slide 1: Allied Bank Limited Investor Presentation
Allied Bank Limited Investor Presentation For The Nine Months Period Ended September 30, 2018 1
Slide 2: Contents
INVESTOR PRESENTATION – September 2018 Contents Description Slide No. Introduction 3 Major Highlights- Balance Sheet – Total Assets 4 Major Highlights – Balance Sheet – Total Liabilities 5 Major Highlights – Income Statement 6 Investments 7 Advances & Asset Quality 8 Deposits 9 Key Ratios 10 Corpora
Slide 3: Allied Bank
INVESTOR PRESENTATION – September 2018 ABL Asset Management Co. Ltd. Holding:100% Subsidiary On-site;1,073 Off-site;298 Overseas ATMs: 1,353 Branches Bahrain WBU Export Processing Domestic Zone Branches;1,258 Allied (Incld. 117 Islamic Br.) Domestic Bank Rep Offices Branches UAE-Dubai & China-Beijin
Slide 4: Major Highlights – Balance Sheet: Total Assets
INVESTOR PRESENTATION – September 2018 MAJOR HIGHLIGHTS – BALANCE SHEET TOTAL ASSETS - Rs. in Billion 251 289 265% 51 3 -41% 14% -4% 1,246 1,255 Dec-17 Cash & Bank Investments Advances Operating Sep-18 and Lending to Fixed and FIs Other assets Total Assets Rise Fall Percentage • Total Assets Rs.1,25
Slide 5: Major Highlights – Balance Sheet: Total Liabilities
INVESTOR PRESENTATION – September 2018 TOTAL LIABILITIES - Rs. in Billion 1 36 46 1.6 1 -10% -16% 5% -23% 5% 1,139 1,148 Dec-17 Bills payable Borrowings Deposits Def. tax liab. Other liab. Sep-18 Total Liabilities Rise Fall • Total Liabilities Rs.1,148 Billion • Stable growth in deposits; Focus in C
Slide 6: Major Highlights – Profit After Tax
INVESTOR PRESENTATION – September 2018 PROFIT AFTER TAX - Rs. in Million 2,585 2,518 71 70 167 0.3% -6% 41% 17% -3% 9,735 9,971 PAT Net Interest Rev. in Non Interest Opex Tax PAT Sep'17 Income Prov. income Sep'18 PAT Rise Fall • PAT at Rs.9,971 million: Growth 2.4%; EPS Rs.8.70 (Sep’17: Rs. 8.50) •
Slide 7: Investments
INVESTOR PRESENTATION – September 2018 INVESTMENTS Rs. in M illion Composition Sep-18 Dec-17 Var. Growth Sep-18 Dec-17 Pakistan Investment Bonds 66,596 237,631 (171,034) -72% 17% 35% Market Treasury Bills 277,130 390,385 (113,256) -29% 69% 57% Listed and Unlisted Shares 26,289 26,551 (263) -1% 7% 4%
Slide 8: Advances & Asset Quality
INVESTOR PRESENTATION – September 2018 ADVANCES & ASSET QUALITY Market Share: 6% 460 8.0% 420 440 439 7.5% • Gross Advances reached Rs. 380 403 7.0% 6.8% 389 438 billion ( 13%) 340 7.0% 349 6.5% 6.0% (Industry growth 16%) 300 326 341 6.4% 5.5% 5.9% • NPLs at Rs.16 billion ( 10%) 260 285 5.0% 220 4.1
Slide 9: Deposits
INVESTOR PRESENTATION – September 2018 DEPOSITS Market Share 7% 1,050 Industry Growth 5% 884 906 927 929 900 800 805 735 782 773 750 668 731 698 600 608 628 600 539 450 486 400 417 300 200 150 - - 2013 2014 2015 2016 2017 Q1-18 Q2-18 Q3-18 Total Deposits CASA (Incld. Current Rem) Rs. In Billion Sep-
Slide 10: Key Ratios
INVESTOR PRESENTATION – September 2018 Key Ratios 2018 2018 2018 2017 Banking Sector Ratios Q3 Q2 Q1 Q4 Q3 Q2 Q1 June 2018: ROA: 0.9% ROA (%) 1.1 1.1 1.3 1.1 1.2 1.2 1.3 ROE: 12.4% ROE (Tier I) (%) 16.5 17.8 18.7 17.0 17.0 17.1 19.1 CAR: 15.9% Capital Adequacy Ratio (%) 22.4 22.3 22.7 22.4 22.3 22.1
Slide 11: Corporate Governance & Ratings
INVESTOR PRESENTATION – September 2018 Corporate Governance & Ratings RATING RATING TYPE RATING RATING INDICATION AGENCY A very low expectation of credit risk emanating AAA (Long Term) from a very strong capacity for timely payment Entity Rating PACRA of financial commitments and not being A1+ (Shor
Slide 12: Stock Market Data
INVESTOR PRESENTATION – September 2018 Stock Market Data Pakistan Stock Exchange Code ABL Bloomberg Code ABL PA Shares Outstanding (mln) 1,145.07 Market Capitalization (Rs. bln) 111.07 Market Capitalization (US$ mln) 913.87 Current Stock Price* 101.92 12M High/Low 109.95/76.72 ABL outperformed marke
Slide 13: Awards & Achievements
INVESTOR PRESENTATION – September 2018 AWARDS & ACHIEVEMENTS Best Bank in Pakistan Award 2018 Bank of the Year Pakistan 2017 6th FPCCI Achievement Award 2018 by Euromoney Award by The Banker Best Bank for CSR – Pakistan Top Issuer of PayPak Debit 2nd Position Best Corporate Report Awards Cards by 1-
Slide 14: Annexures
INVESTOR PRESENTATION – September 2018 Annexures
Slide 15: Income Statement – Standalone
INVESTOR PRESENTATION – September 2018 INCOME STATEMENT – Standalone Annexure A Rs. in Million US$ in Million Sep-18 Sep-17 Var. Sep-18 Sep-17 Var. Growth Mark-up/ interest Income 53,213 48,174 5,039 428 388 41 10% Mark-up/ interest Expensed 29,592 24,624 4,968 238 198 40 20% Net Mark-up/ interest I
Slide 16: Income Statement – Consolidated
INVESTOR PRESENTATION – September 2018 INCOME STATEMENT – Consolidated Annexure A Rs. in Million US$ in Million Sep-18 Sep-17 Var. Sep-18 Sep-17 Var. Growth Mark-up/ interest Income 53,213 48,176 5,037 428 388 41 10% Mark-up/ interest Expensed 29,591 24,624 4,967 238 198 40 20% Net Mark-up/ interest
Slide 17: Statement of Financial Position – Standalone
INVESTOR PRESENTATION – September 2018 Statement of Financial Position – Standalone Annexure B Rs. in M illion US$ in M illion ASSETS Sep-18 Dec-17 Var. Sep-18 Dec-17 Var. Growth Cash and Balances with Banks & Lending to FIs 345,253 94,711 250,543 2,779 762 2,017 265% Investments 409,024 698,082 (28
Slide 18: Statement of Financial Position – Consolidated
INVESTOR PRESENTATION – September 2018 Statement of Financial Position – Consolidated Annexure B Rs. in M illion US$ in M illion ASSETS Sep-18 Dec-17 Var. Sep-18 Dec-17 Var. Growth Cash and Balances with Banks & Lending to FIs 345,245 94,699 250,546 2,779 762 2,017 265% Investments 410,396 699,324 (
Slide 19: Disclaimer
INVESTOR PRESENTATION – September 2018 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 f
Slide 20: Thank You
INVESTOR PRESENTATION – September 2018 THANK YOU