Allied Bank Limited · PSX:ABL
Allied Bank — 9M 2021 Earnings Presentation
22 slides from Allied Bank's earnings presentation, Sep 30, 2021
Slide 1: Financial Presentation – Sep 2021
LLIED BANK LIMITED Financial Presentation – Sep 2021
Slide 2: Contents
Contents ABL at a Glance & Economic Highlights Investments Deposits Stock Market Data Annexures 3-4 5-7 8 9 10 11 12 13-14 15-19 Major Highlights Advances & Key Ratios & Awards & Balance Sheet Asset Quality Channels CGR Income Statement
Slide 3: ABL at Glance
ABL at Glance ATMs:1,557 Entity Credit Rating On-site: 1,248 Off-site: 303 Overseas Long Term: AAA MBU: 6 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 Workers Remmittances- US$ Million 3,000 2,500 2,000 1,500 1,000 500 - Sep-20 Oc t-20 No v-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 2021-22 2020-21 8,000 Export & Import- US$ Million Trade Deficit & Current Account - US$ Million 4,000 1,000 7,000 3,
Slide 5: Highlights Financial Position (Assets)
Highlights Financial Position (Assets) (Rs. in Billion) 2,500 500 367 400 2,000 300 • Total Assets reached at Rs. 200 1,500 27 100 1,963 billion (Increase of 23%). -25 4 0 1,000 -16% 44% 5% 4% 1,963 -100 • Investment portfolio optimized 1,590 -200 500 -300 by increasing the mix of -400 Government Se
Slide 6: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in Billion) 2,000 234 300 1,800 200 1,600 137 • Total Liabilities stood at Rs. 1,400 100 1,834 Billion (Increased by 4 1,200 0 1,000 26%) 121% 11% 8% 1,834 -100 800 600 1,459 -200 400 • CASA Sep’21 Stood at: 85% 200 -300 • Deposits aggregated to reach
Slide 7: Highlights Income Statement
Highlights Income Statement (Rs. in Million) • Net interest income (NII) stood at Rs. 34,682 million during period under review, 16,000 down by 7%. 14,000 2,583 2,229 12,000 • Fee & Commission, Dividend Income and -2,794 -2,970 -130 Capital Gains increased by 23%, 112% 10,000 28% 10% and 24% respect
Slide 8: Investments
Investments (Rs. in Million) Investments Sep' 21 Dec'20 Var. Growth Pakistan Investment Bonds (PIBs) 497,948 407,300 90,649 22% Market Treasury Bills 643,143 360,865 282,278 78% Listed and Unlisted Shares 18,507 20,604 (2,097) -10% TFCs, Bonds, Sukuks and Mutual Funds 37,623 35,284 2,340 7% Subsidia
Slide 9: Advances & Asset Quality
Advances & Asset Quality (Rs. in Billion) • Gross advances stood at RS.536 billion (5%↑) (Industry Increase; 9%↑) • Gross ADR ratio reached 39.6% (Industry Sep’21 Gross ADR: 46.8%) • NPLs at 13.9 Billion (1.5%↓) • NPL Ratio 2.6% (0.18% ↓); Industry Jun’21: 8.9% • Specific NPL Coverage 93.5% (2.8%↓)
Slide 10: Deposits
Deposits (Rs. in Billion) Particulars Sep' 21 Dec' 20 Var (% ) Market Share: 6.8% Current 564 492 15% Industry Growth: 11% Saving 588 570 3% Term 202 155 30% Total Deposits 1,354 1,217 11% CASA Mix: 85% 1,600 1,354 1,400 1,217 1,200 1,049 985 1,000 883 1,152 805 1,062 800 735 668 868 608 809 600 515
Slide 11: Key Ratios & Channels
Key Ratios & Channels Key Ratios Particulars Sep'21 Dec'20 Variance Return on Assets (%) 1.0% 1.2% -0.2% Return on Equity (Tier I) (%) 16.8% 18.8% -2.0% Capital Adequacy Ratio (%) 25.0% 25.2% -0.2% Channels Sep' 21 Dec' 20 Growth Total Branches 1,407 1,402 5 Conventional 1,290 1,285 5 Islamic 117 11
Slide 12: Stock Market Data
Stock Market Data Allied Bank Limited (ABL) Stock Price vs Market - Trend 600000% 40.0% Pakistan Stock Exchange Code: ABL 500000% 30.0% 20.0% Bloomberg Code: ABL PA 400000% 10.0% 300000% Shares Outstanding (mln): 1,145.07 200000% 0.0% -10.0% Market Capitalization (Rs. bln): 77.865 100000% -20.0% 0%
Slide 13: Awards and Accolades
Awards and Accolades 13/22 1 2 3 4 5 6 7 8 PSHRM- The Asset Triple Corporate Best place to Global BEST Asian Banking Asian Banking Asia Money- A Asia Excellence work ”Winner” Diversity & CORPORATE & and Finance and Finance Best Bank for Infrastructure Award - in Financial SUSTAINABILITY (ABF) (ABF)
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 governance; t
Slide 15: Annexures
Annexures Pakistan Annexure A Digital Statement of AwardsFinancial 2020Position - Standalone Basis 1. Best Mobile Banking Annexure B App Statement of AwardsFinancial Position - Consolidated 2. Best Digital Annexure C Innovation Income Statement Award - Standalone Basis 3. Best App and Annexure D Ena
Slide 16: Statement of Financial Position : Standalone
Statement of Financial Position : Standalone Rs. in Million US$ in Million ASSETS Growth Sep'21 Dec'20 Variance Sep'21 Dec'20 Variance Cash and Balances with Banks 110,034 135,628 (25,595) 645 795 (150) -19% Lending to FIs 19,339 17,996 1,342 113 105 8 7% Investments - net 1,196,518 829,621 366,897
Slide 17: Statement of Financial Position : Consolidated
Statement of Financial Position : Consolidated Rs. in Million US$ in Million ASSETS Growth Sep' 21 Dec'20 Variance Sep' 21 Dec'20 Variance Cash and Balances with Banks 110,027 135,625 (25,599) 645 795 (150) -19% Lending to FIs 19,339 17,996 1,342 113 105 8 7% Investments - net 1,198,329 831,704 366,
Slide 18: Income Statement : Standalone
Income Statement : Standalone Rs. in Million US$ in Million Particulars Growth Sep' 21 Sep'20 Variance Sep' 21 Sep'20 Variance Mark-up and Interest Income 84,696 86,630 (1,934) 496 508 (11) -2% Mark-up and Interest Expensed 50,014 49,154 860 293 288 5 2% Net Mark-up and interest Income 34,682 37,476
Slide 19: Income Statement : Consolidated
Income Statement : Consolidated Rs. in Million US$ in Million Particulars Growth Sep' 21 Sep'20 Variance Sep' 21 Sep'20 Variance Mark-up and Interest Income 84,700 86,632 (1,932) 496 508 (10) -2% Mark-up and Interest Expensed 50,035 49,161 874 293 288 5 2% Net Mark-up and interest Income 34,664 37,4
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 Sikandar Ali Khan +92-42-35880043 Investor.Relations@abl.com Unit Head Strategic Ext: 32637 Planning 21/22
Slide 22: THANK YOU
THANK YOU 22