Allied Bank Limited · PSX:ABL
Allied Bank — 9M 2025 Earnings Presentation
30 slides from Allied Bank's earnings presentation, Sep 30, 2025
Slide 1: Corporate Briefing Session
Corporate Briefing Session September 30, 2025
Slide 2: Contents
Contents at Glance 3-5 Core Values & Insights 17 Deposits Key Operational 6-11 Milestones & Economic Highlights D 18 Digital Channels 12-13 Highlights Balance Sheet Network Outreach K19 14 Highlights Profit & Loss 20 Key Ratios 15 Investments 21 Stock Market Information 16 Advances & Assets Quality
Slide 3: ABL at a Glance
BL at Glance ATMs : 1,730 Subsidiaries On Site : 1,484 (100%Holding) Off Site : 241 ABL Asset Management Co. Ltd. MBU : 5 ABL Exchange (Private) Ltd. 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: ABL Core Values & Strategic Objectives
ABL Core Values & Strategic Objectives Enhancing Brand Augmenting financial Image and inclusion of unbanked creating population through shareholders' innovative & diversified value through sustainable technologies, building performance, customers’ confidence while optimizing through convenient deliv
Slide 5: Insight on ABL Business Groups
Insight on ABL Business Groups Corporate & Investment Banking • Developing long term relationships to maintain corporate Commercial & Retail Banking 01 • • • loan book Offering a wide range of investment banking solutions Maintaining Banks Capital market portfolio Overseeing international operations
Slide 6: Key Operational Milestones
Key Operational Milestones ✓ Expanded Pakistan’s first myABL WhatsApp Banking service by adding new features including: Augmenting ▪ Cheque Book Request Financial Inclusion ▪ myABL Coins Balance Inquiry & Statement ▪ Card Management via WhatsApp Banking ▪ Subscription of 6 months e-Statement ▪ Avail
Slide 7: Key Operational Milestones
Key Operational Milestones ✓ FinanceAsia Country Awards in following Categories: Enhancing Brand • Best Domestic Bank Image & • Best Bank for Financial Inclusion Shareholders Value • Best Sustainable Bank • Best Bank in Most DEI Progressive Bank • Most Innovative use of Technology • Best Commercial
Slide 8: Key Operational Milestones
Key Operational Milestones ✓ Peer-to-peer discussion board learning activities, WhatsApp learning groups, DSMs and other social media being used for training purposes. Employer of Choice for top ✓ Daycare Operational in Lahore and Multan. Requirements for other cities Professionals are being evaluat
Slide 9: Key Operational Milestones
Key Operational Milestones ✓ Completed installation of additional 309 Digital signage Machines including Operating replacements (Total DSMs 1,473). Effectiveness ✓ Deployed 4,679 POS machines in 2025 (Total 7,861) having more than 7.7 million successful transactions. ✓ Robotic solution to respond RD
Slide 10: Key Operational Milestones
Key Operational Milestones ✓ WhatsApp user base enhancement to 2 million – Achieved. Enhanced Focus on ✓ myPDA Asaan Account Opening With Instant Activation Through myABL. Digitization ✓ ABL Funds Account Opening – Sahulat Sarmayakari Account Through myABL. ✓ The 4th Fintech Hackathon finale at LUMS
Slide 11: Economic Highlights
Economic Highlights SBP Reserves and Exchange Rate US$/PKR Workers Remmittances- US$ Million 25,000 284 285 4,500 282 281 4,000 20,000 280 278 278 278 279 280 3,500 279 279 279 280 278 3,000 15,000 2,500 10,000 2,000 275 1,500 5,000 1,000 500 0 270 0 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25
Slide 12: 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 13: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in Billion) Total Equity Deposits 10% 29% Rs.253 Rs.2,230 4% 133 212 4 CASA Sep’25 Stood at: Total Equity stood at 2,583 2,932 85%. Rs. 253 billion; increased by 6% Deposits aggregated to (Dec 2024: Rs. 234 reached at Rs. 2,230 billion) billion; incre
Slide 14: Highlights Income Statement
Highlights Income Statement (Rs. in Million) Net Interest Income Profit before Tax 6,397 Rs. 54,815 -11,570 1,330 1,338 -5,484 Rs.78,586 7% 15% 45% 35,691 For the nine months -16% 25,874 ended, Profit before Net Interest Income Tax reached at (NII) stood at Rs. 54,815 million; -13% Rs. 78,586 decrea
Slide 15: 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 16: 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%↓) 666 672 • NPL Ratio 1.81% Rs. 672 4.64% 3.54% 500 510 (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 17: Deposits
Deposits (Rs. in Billion) Particulars Sep' 25 Dec' 24 Var (%) Market Share: 6.3% Current 858 773 11% Industry Growth: 16% 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
Slide 18: Digital Channels
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 19: Network Outreach
Islamic Sub Conventional Branches Branches Branches Branches 1212 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 20: 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 21: 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 22: 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 23: 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 23/23
Slide 24: 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 25: 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 26: 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 27: 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 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: Thank You
3 - Tipu Block, New Garden Town, Lahore Tel 92 42 3588 0043