Allied Bank Limited · PSX:ABL
Allied Bank — FY2025 Earnings Presentation
30 slides from Allied Bank's earnings presentation, Dec 31, 2025
Slide 1: Corporate Briefing Session
ORPORATE 2 SESSION BRIEFING
Slide 2: Contents
Contents 3-5 Core Values, Journey & Insights 19 Key Ratios 6-7 ABL at a Glance & Digital Channels D 20-23 Financial Highlights Economic Highlights & 8-9 Snapshot K24 ESG & CSR Highlights 10-15 Key Revenue Drivers 25 Awards and Recognition 16-17 Segment Analysis 26-27 Risk Universe & International Pr
Slide 3: ABL Core Values & Strategic Objectives
ABL Core Values & Strategic Objectives Continuous re-engineering of Enhancing Brand Image and Instilling a culture of ethics & Augmenting financial policies, procedure, Standard responsibility among Human creating shareholders' value inclusion of unbanked Operating Procedures, Service Resource & bec
Slide 4: 21 Years Journey
• Implementation of 21 Years Journey Robotics Process Automation • Bank of the year – • Implementation of Pakistan Award by IBM Big Data • Organizational re- Appliance structuring and re- “The Banker” • Launched Pakistan’s branding to “Allied • Established Representative first ever co-badged • Recap
Slide 5: Insight on ABL Business Groups
Insight on ABL Business Groups Corporate & Investment Banking 01 • Developing long term relationships to maintain corporate loan book • Offering a wide range of investment banking solutions Commercial & Retail Banking • Maintaining Banks Capital market portfolio 02 • Undertaking all facets of liabil
Slide 6: ABL At a Glance – Dec 2025
ABL At a Glance – Dec 2025 Rs. 3.4T Total Assets Surpassed 3T in FY2025 1,535 1,674 Total Branches Total ATMs Total Deposits Rs. 2.3T 1,233 302 1,428 Islamic Conventional Onsite ATMs Total Accounts Branches 10.3 Mn 1.5 Mn+ new accounts Branches opened in 2025 396 240 27.74% Capital Adequacy Ratio 1,
Slide 7: Digital Channels
Digital Channels 2.6 Million icon 2.1 Million icon 3.9 Million icon 2600+ Participants myABL App Registrations WhatsApp Banking Users Cards In Circulation Fintech Hackathon 25% year-on-year increase Pakistan's first WhatsApp bank Debit & credit combined 4th FinTech ABL Hackathon 90 : 10 icon 27 9,86
Slide 8: 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 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 2024-25 2023-24 Export & Import- US$ Million TD Trade Deficit & Current Account CAD 8,000 0 1400 7,00
Slide 9: Economy Snapshot — 2026 Outlook
Economy Snapshot — 2026 Outlook Risk Factor Situation Geopolitical On-going geopolitical tensions and conflicts – resultant Supply Chain disruptions Increase in oil prices above USD 100/bbl. Direct pressure on Pakistan's import bill and current account Oil Prices deficit. Rebounding from fuel, gas,
Slide 10: Highlights Financial Position (Assets)
Highlights Financial Position (Assets) (Rs. in Billion) 4,000 1,007 1100 Net Advances 3,500 900 Net Investments Rs.790 3,000 700 Rs.2,137 2,500 500 2,000 300 1,500 -215 -262 23 3,370 100 2,817 Net Advances 1,000 89% -100 reached at Rs. 790 10% 500 -300 billion as on Dec 31, -54% -25% Net Investments
Slide 11: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in Billion) Total Equity Deposits 327 Rs.263 182 Rs.2,346 15 39% 16% 14% 3,107 CASA Dec’25 Stood Total Equity stood at 2,583 at: 83%. Rs. 263 billion; increased by 13% Deposits aggregated (Dec 2024: Rs. 234 to reached at Rs. billion) 2,346 billion; CA
Slide 12: Highlights Income Statement
Highlights Income Statement (Rs. in Million) Net Interest Income Profit before Tax 9,003 Rs. 74,209 4,931 Rs. 105,000 -10,223 576 -5,778 2% 16% 182% For the year ended, 43,116 35,175 Profit before Tax -13% Net Interest Income reached at Rs. 74,209 -9% (NII) stood at million, decreased by 16% Rs. 105
Slide 13: Key Revenue Drivers - Investments
Key Revenue Drivers - Investments (Rs. in Million) Investments Dec'25 Dec'24 Var. Growth Pakistan Investment Bonds 1,423,278 822,897 600,381 73% Market Treasury Bills 413,555 141,302 272,253 193% Listed and Unlisted Shares 12,673 10,323 2,349 23% TFCs, Bonds, Sukuks and Mutual Funds 246,016 135,892
Slide 14: Key Revenue Drivers - Advances & Asset Quality
Key Revenue Drivers - Advances & Asset NPLs Quality (Rs. in Billion) Rs.11.37 Gross Advances • NPLs stood at Rs.11.37 billion Rs. 802 (12.5%↓) • NPL Ratio 1.42% (0.2%↑); • Industry Jun’25: Gross advances 6.1% stood at Rs. • Specific NPL 802 Coverage 96.22 billion (25%↓) % (1.3%↑) & Overall NPL Cover
Slide 15: Key Revenue Drivers - Deposits
Key Revenue Drivers - Deposits (Rs. in Billion) Particulars Dec' 25 Dec' 24 Var (%) Market Share: 6.5% Current 933 773 21% ABL CA Growth: 21% Saving 1,020 958 6% Term 393 288 37% ABL CASA Mix: 83% Total Deposits 2,346 2,018 16% 2,346 2,018 1,677 1,522 1,953 1,413 1,217 1,731 985 1,049 1,423 805 883
Slide 16: Operating Segment Analysis
Operating Segment Analysis (Rs. in Billion) Corporate & Investment Banking Commercial & Retail Banking 25 120 108 21 20 94 20 100 83 14 14 80 69 15 60 10 40 26 25 5 2 2 20 0 0 Total Income Total Expenses Profit before Tax Total Income Total Expenses Profit before Tax 2025 2024 2025 2024 Trading & Sa
Slide 17: Geographical Segment Analysis
Geographical Segment Analysis(Rs. in Billion) Geographical Segment Analysis Domestic Operations 134 142 150 132 150 132 100 86 67 74 67 74 100 74 67 58 50 0.04 50 1 0.2 0.1 0 0 Domestic Middle China Total 0 -50 Operations East -0.04 Total Income Total Expenses Profit before Tax Total Income Total Ex
Slide 18: Stock Market Data
Stock Market Data Allied Bank Limited (ABL) Stock Price vs Market - Trend Pakistan Stock Exchange Code: ABL 140.0% 120.0% Bloomberg Code: ABL PA 100.0% 80.0% Shares Outstanding (mln): 1,145.07 60.0% Market Capitalization (Rs. bln): 209.284 40.0% 20.0% Stock Price as at Dec 31, 2025: Rs.182.77 0.0% D
Slide 19: Key Ratios
Key Ratios RETURN ON EQUITY 2.00% RETURN ON ASSETS 35.00% 1.78% 1.68% 30.00% 29.40% 1.50% 26.01% 25.00% 1.14% 0.96% 0.99% 18.41% 18.73% 1.00% 20.00% 16.46% 15.00% 0.50% 10.00% 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 CAPITAL ADEQUACY RATIO GROSS ADVANCES TO DEPOSIT 30.00% 27.74% RATIO 26.21
Slide 20: Quarterly Statement of Financial Position – 2025
Quarterly Statement of Financial Position – 2025 Standalone Consolidated PARTICULARS Rs. in Million Rs. in Million Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Assets Cash and Balances with Banks 150,160 169,655 180,874 184,861 150,229 169,810 180,986 185,064 Lending to FIs 14,135 23,140 51,169 - 14,135 23,140 51,169 -
Slide 21: Quarterly Income Statement – 2025
Quarterly Income Statement – 2025 Standalone Consolidated Particulars Rs. in Million Rs. in Million Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Mark-up and Interest Income 71,647 71,766 78,164 75,478 71,685 71,964 78,181 75,493 Mark-up and Interest Expensed 46,283 45,649 51,232 49,064 46,281 45,641 51,225 49,071 Net Ma
Slide 22: Financial Highlights – 5 Years Analysis
Financial Highlights – 5 Years Analysis (Rs. in Million) December 31, 2025 2024 2023 2022 2021 STATEMENT OF FINANCIAL POSITION ASSETS Cash and balances with treasury and other banks 184,861 156,732 158,592 91,353 125,310 Lending to financial institutions - 243,541 9,418 28,222 45,453 Investments- Gr
Slide 23: Financial Highlights – 5 Years Analysis (Continued)
Financial Highlights – 5 Years Analysis (Continued) December 31, 2025 2024 2023 2022 2021 PROFIT & LOSS ACCOUNT Markup / Return / Interest earned 297,228 376,760 357,307 215,469 118,649 Markup / Return / Interest expensed (192,228) (261,537) (244,028) (148,750) (73,062) Net Markup / Interest income
Slide 24: ESG & CSR Highlights 2025
ESG & CSR Highlights 2025 Rs. 391 Million Rs. 128 Mn Rs. 38 Mn Rs. 170 Mn Rs. 55 Mn Total Community Investment Community Education Health General Sports Institutions Institutions Welfare 98% 12,300 Rs. 92 Billion Customer Complaints Resolved Employees Trained Total Contribution to Exchequer Customer
Slide 25: Awards & Recognition 2025
Awards & Recognition 2025 Recognising excellence across banking, digital, sustainability & governance FinanceAsia FinanceAsia Euromoney Euromoney Islamic Best Domestic Bank Best Bank in Most Best Digital Bank for Best Sustainable Bank Best Domestic Innovative Use of Large Corporations Best Bank for
Slide 26: Allied Bank's Risk Universe
Allied Bank’s Risk Universe Credit Risk Market Risk Liquidity Risk Operational Risk Losses from obligor or counterparty Adverse changes in market prices and Inability to meet financial liabilities Failures in internal processes or default rates systems Borrower stress or sector downturns can Can adv
Slide 27: International Presence
International Presence Bahrain Branch: • Total Assets: US$ 36 Million • Total Investment: US$ 33 Million CHINA • Total deposits: US$ 0.008 Million • Total Profit: US$ 8.4 Million China and Dubai representative offices • Representative office remained focused on exploring growth opportunities across
Slide 28: 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 29: Contact Us
Contact Us Sikander Ali Khan Unit Head Strategic Planning, Finance +92-42-35880043 Ext: 32637 Investor.Relations@abl.com
Slide 30: Allied Bank - Tipu Block, New Garden Town, Lahore
Allied Bank 3 - Tipu Block, New Garden Town, Lahore Tel 92 42 3588 0043