Slide 1: Financial Presentation September 30, 2025
FINANCIAL PRESENTATION
Slide 2: Contents
Contents At Glance 10 Deposits 3-4 & Economic Highlights 11-12 Digital Footprints & Major Highlights Network Outreach 5-7 Balance Sheet Income Statement 13 Key Ratios 08 Investments 14 Stock Market Information Advances Ratings 09 & Asset Quality 15-20 / Annexure
Slide 3: ABL at Glance
BL at Glance ATMs : 1,730 Subsidiaries (100%Holding) On Site : 1,484 ABL Asset Management Co. Ltd. Off Site : 241 ABL Exchange (Private) Ltd. MBU : 5 Rep Office : 2 Entity Credit UAE - Dubai Rating Long Term: AAA CHINA - Beijing Short Term: A1+ Corporate Overseas Governance Rating Branches : 2 Bahra
Slide 4: Economic Highlights
Economic Highlights Workers Remmittances- US$ Million 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1,000 500 0 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 2023-24 2022-23 Export & Import- US$ Million TD Trade Deficit & Current Account CAD 7,000 - 1400 6,00
Slide 5: Highlights Financial Position (Assets)
Highlights Financial Position (Assets) (Rs. in Billion) Net Advances 4,000 907 1100 Net Investments 3,500 900 Rs.658 3,000 2,500 700 500 Rs.2,037 2,000 300 1,500 -168 22 3,185 100 Net Advances 2,817 -394 1,000 10% -100 reached at Rs. 658 80% billion as on Sep 30, 500 -42% -300 Net Investments 2025;
Slide 6: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in Billion) Total Equity Deposits 10% Rs.253 29% Rs.2,230 4% 4 CASA Sep’25 Stood 133 212 Total Equity stood at 2,583 2,932 at: 85%. Rs. 253 billion; increased by 6% Deposits aggregated (Dec 2024: Rs. 234 to reached at Rs. billion) 2,230 billion; CAR:
Slide 7: Highlights Income Statement
Highlights Income Statement (Rs. in Million) Net Interest Income Profit before Tax 6,397 Rs. 54,815 1,330 1,338 Rs.78,586 -11,570 -5,484 7% 15% 45% 35,691 For the nine months Net Interest Income ended, Profit before -16% 25,874 (NII) stood at Tax reached at Rs. 54,815 million, Rs. 78,586 -13% decrea
Slide 8: Investments
Investments (Rs. in Million) Investments Sep'25 Dec'24 Var. Growth Pakistan Investment Bonds 1,267,645 822,897 444,748 54% Market Treasury Bills 470,819 141,302 329,517 233% Listed and Unlisted Shares 12,673 10,323 2,349 23% TFCs, Bonds, Sukuks and Mutual Funds 257,882 135,892 121,990 90% Subsidiari
Slide 9: Advances & Asset Quality
Advances & Asset Quality NPLs (Rs. in Billion) Rs.12.1 Gross 7.00% 1,051 1,066 Advances 6.40% 5.85% 857 • NPLs at Rs.12.1 billion (6%↓) Rs. 672 4.64% 3.54% 500 510 666 672 • NPL Ratio 1.81% (0.6%↑); 389 454 3.17% • Industry Jun’25: 326 341 349 2.78% 2.04% 1.81% 7.4% Gross advances 1.53% 1.24% 1.22%
Slide 10: Deposits
Deposits (Rs. in Billion) Particulars Sep' 25 Dec' 24 Var (%) Market Share: 7% Current 858 773 11% Industry Growth: 12% Saving 1,027 958 7% Term 344 288 20% ABL CASA Mix: 85% Total Deposits 2,230 2,018 10% 2,230 2,018 1,677 1,522 1,886 1,413 1,217 1,731 985 1,049 1,423 805 883 735 1,189 1,201 515 60
Slide 11: Digital Channels Digital Footprints
Digital Channels myABL Registered WhatsApp Users Users 2.0 Million 2.5 Million Cards In Circulation Digital Digital Touchpoints 3.9 Million Footprints 23 Social Media Followers Digital Vs Counter Facebook 2.2 million Transaction Instagram 0.1 million Digital: 89% LinkedIn 0.5 million Counter: 11% X:
Slide 12: Branches and Network Outreach
Islamic Sub Conventional Branches Branches Branches Branches 1214 286 10 1519 Shariah Compliant Conventional Sub Branches Total Branches Branches Branches Global Digital Total ATMs Onsite ATMs Presence 02 Branches Representative 1730 1484 Office 19 Digital Total Automated Onsite Automated 02 Lounges
Slide 13: Key Ratios
Key Ratios ROA ROE 2.00% 1.78% 40.00% 1.68% 29.40% 1.50% 30.00% 26.01% 1.17% 1.16% 1.00% 0.96% 0.99% 18.75% 18.41% 18.70% 16.24% 16.46% 1.00% 20.00% 0.50% 10.00% 0.00% 0.00% 2019 2020 2021 2022 2023 2024 Q3-2025 2019 2020 2021 2022 2023 2024 Q3-2025 ROA ROE CAR Gross ADR 35.00% 31.15% 60.00% 56.33%
Slide 14: Stock Market Data
Stock Market Data Pakistan Stock Exchange Code: ABL Allied Bank Limited (ABL) Stock Price vs Market - Trend 140.0% Bloomberg Code: ABL PA 120.0% 100.0% Shares Outstanding (mln): 1,145.07 80.0% 60.0% Market Capitalization (Rs. bln): 196.872 40.0% 20.0% Stock Price as at Sep 30, 2025: Rs.171.93 0.0% S
Slide 15: Corporate Governance & Ratings
Corporate Governance & Ratings Entity CGR Deposits Rating PACRA VIS Credit Rating Moody’s Company • AAA (Long Term) • CGR-9++ (Corporate Governance • Caa2/NP • A1+ (Short Term) Rating) • Outlook Positive, in line with • A very low expectation of • Very high level of corporate Positive outlook on the
Slide 16: Annexures
Annexures 01 Annexure A Statement of Financial Position - Standalone 02 Annexure B Statement of Financial Position - Consolidated 03 Annexure C Income Statement - Standalone 04 Annexure D Income Statement - Consolidated 16/23
Slide 17: Statement of Financial Position: Standalone
Statement of Financial Position : Standalone Rs. in Million US$ in Million ASSETS Growth Sep'25 Dec'24 Variance Sep'25 Dec'24 Variance Cash and Balances with Banks 180,874 156,732 24,142 643 557 86 15% Lending to FIs 51,169 243,541 (192,373) 182 866 (684) -79% Investments - net 2,036,874 1,129,874 9
Slide 18: Statement of Financial Position: Consolidated
Statement of Financial Position : Consolidated Rs. in Million US$ in Million ASSETS Growth Sep'25 Dec'24 Variance Sep'25 Dec'24 Variance Cash and Balances with Banks 180,986 156,777 24,209 643 557 86 15% Lending to FIs 51,169 243,541 (192,373) 182 866 (684) -79% Investments - net 2,040,603 1,132,883
Slide 19: Income Statement: Standalone
Income Statement : Standalone Rs. in Million US$ in Million Particulars Growth Sep'25 Sp'24 Variance Sep'25 Sp'24 Variance Mark-up and Interest Income 221,750 291,215 (69,465) 788 1,035 (247) -24% Mark-up and Interest Expensed 143,164 201,058 (57,894) 509 715 (206) -29% Net Mark-up and interest Inco
Slide 20: Income Statement: Consolidated
Income Statement : Consolidated Rs. in Million US$ in Million Particulars Growth Sep'25 Sep'24 Variance Sep'25 Sep'24 Variance Mark-up and Interest Income 221,829 291,323 (69,494) 789 1,036 (247) -24% Mark-up and Interest Expensed 143,147 201,074 (57,927) 509 715 (206) -29% Net Mark-up and interest
Slide 21: 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 22: Contact Us
Contact Us Sikander Ali Khan Unit Head Strategic Planning, Finance +92-42-35880043 Ext: 32637 Investor.Relations@abl.com
Slide 23: Allied Bank - Tipu Block, New Garden Town, Lahore
Allied Bank 3 - Tipu Block, New Garden Town, Lahore Tel 92 42 3588 0043