Allied Bank Limited · PSX:ABL
Allied Bank — Q1 2025 Earnings Presentation
23 slides from Allied Bank's earnings presentation, Mar 31, 2025
Slide 1: Financial Presentation March 31, 2025
FINANCIAL PRESENTATION MARCH 31, 2025
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 : 1650 Subsidiaries (100%Holding) On Site : 1,403 ABL Asset Management Co. Ltd. Off Site : 242 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 Bahrai
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 Mar-24 Apr-24 May-2 4 Jun-24 Jul-24 Aug-24 Sep-24 Oct-2 4 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 2023-24 2022-23 Export & Import- US$ Million TD Trade Deficit & Current Account CAD 7,000 - 1400 6,
Slide 5: Highlights Financial Position (Assets)
Highlights Financial Position (Assets) (Rs. in Billion) Net Advances 3,500 366 500 400 Net Investments 3,000 Rs.812 300 2,500 200 2,000 1,500 -236 32% -239 30 13% 100 0 Rs.1,496 2,817 2,738 -100 Net Advances 1,000 -200 reached at Rs. 812 -59% -23% -300 500 billion as on Mar 31, -400 Net Investments
Slide 6: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in Billion) Total Equity Deposits -113 33 -3 Rs.238 2% -3% Rs.2,052 2,583 -24% 2,500 CASA Mar’25 Stood Total Equity stood at at: 85%. Rs. 238 billion; increased by 2% Deposits aggregated (Dec 2024: Rs. 234 to reached at Rs. billion) 2,052 billion; CAR
Slide 7: Highlights Income Statement
Highlights Income Statement (Rs. in Million) Net Interest Income Profit before Tax Rs.25,364 1,954 Rs.17,315 -3,782 813 -28 -1,777 13% 15% -17% 11,364 For the Quarter, -16% 8,190 Net Interest Income Profit before Tax (NII) stood at reached at -13% Rs. 25,364 Rs. 17,315 million; million during the de
Slide 8: Investments
Investments (Rs. in Million) Investments Mar'25 Dec'24 Var. Growth Pakistan Investment Bonds 1,123,698 822,897 300,801 37% Market Treasury Bills 218,409 141,302 77,107 55% Listed and Unlisted Shares 10,433 10,323 110 1% TFCs, Bonds, Sukuks and Mutual Funds 125,187 135,892 (10,705) -8% Subsidiaries 1
Slide 9: Advances & Asset Quality
Advances & Asset Quality NPLs (Rs. in Billion) Rs.13.3 Gross 7.00% 1,051 1,066 Advances 6.40% 5.85% 857 828 • NPLs at Rs.13.3 billion (2%↑) Rs. 828 4.64% 3.54% 500 510 666 • NPL Ratio 1.60% (0.4%↑); 389 454 3.17% • Industry Dec’24: 326 341 349 2.78% 2.04% 6.3% 1.22% 1.60% Gross advances 1.53% 1.24%
Slide 10: Deposits
Deposits (Rs. in Billion) Particulars Mar' 25 Dec' 24 Var (%) Market Share: 6% Current 777 773 1% Industry Growth: 4% Saving 976 958 2% Term 298 288 4% ABL CASA Mix: 85% Total Deposits 2,052 2,018 2% 2,052 2,018 1,677 1,522 1,413 1,754 1,217 1,731 985 1,049 1,423 805 883 735 1,189 1,201 515 608 611
Slide 11: Digital Channels Digital Footprints
Digital Channels myABL Registered WhatsApp Users Users 1.8 Million 2.3 Million Cards In Circulation Digital Digital Touchpoints 3.5 Million Footprints 23 Social Media Followers Digital Vs Counter Facebook 2.1 million Transaction Instagram 0.07 million Digital: 86% LinkedIn 0.4 million Counter: 14% X
Slide 12: Branches and Network Outreach
Islamic Sub Conventional Branches Branches Branches Branches 1351 161 08 1512 Shariah Compliant Conventional Sub Branches Total Branches Branches Branches Global Digital Presence Total ATMs Onsite ATMs 02 Branches Representative 1650 1403 Office 18 Digital Total Automated Onsite Automated 02 Branche
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% 1.20% 1.00% 0.96% 0.99% 18.75% 18.41% 16.24% 16.46% 18.49% 1.00% 20.00% 0.50% 10.00% 0.00% 0.00% 2019 2020 2021 2022 2023 2024 Q1-2025 2019 2020 2021 2022 2023 2024 Q1-2025 ROA ROE CAR Gross ADR 35.00% 60.00% 56.33% 29.37%
Slide 14: Stock Market Data
Stock Market Data Pakistan Stock Exchange Code: ABL Allied Bank Limited (ABL) Stock Price vs Market - Trend 200.0% 180.0% Bloomberg Code: ABL PA 160.0% 140.0% 120.0% Shares Outstanding (mln): 1,145.07 100.0% 80.0% Market Capitalization (Rs. bln): 153.554 60.0% 40.0% 20.0% Stock Price as at Mar 27, 2
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 Mar'25 Dec'24 Variance Mar'25 Dec'24 Variance Cash and Balances with Banks 150,160 156,732 (6,572) 536 559 (23) -4% Lending to FIs 14,135 243,541 (229,406) 50 869 (819) -94% Investments - net 1,495,565 1,129,874
Slide 18: Statement of Financial Position: Consolidated
Statement of Financial Position : Consolidated Rs. in Million US$ in Million ASSETS Growth Mar'25 Dec'24 Variance Mar'25 Dec'24 Variance Cash and Balances with Banks 150,229 156,777 (6,548) 536 560 (23) -4% Lending to FIs 14,135 243,541 (229,406) 50 869 (819) -94% Investments - net 1,499,120 1,132,8
Slide 19: Income Statement: Standalone
Income Statement : Standalone Rs. in Million US$ in Million Particulars Growth Mar'25 Mar''24 Variance Mar'25 Mar''24 Variance Mark-up and Interest Income 71,647 94,312 (22,665) 256 337 (81) -24% Mark-up and Interest Expensed 46,283 65,165 (18,882) 165 233 (67) -29% Net Mark-up and interest Income 2
Slide 20: Income Statement: Consolidated
Income Statement : Consolidated Rs. in Million US$ in Million Particulars Growth Mar'25 Mar'24 Variance Mar'25 Mar'24 Variance Mark-up and Interest Income 71,685 94,327 (22,642) 256 337 (81) -24% Mark-up and Interest Expensed 46,281 65,177 (18,896) 165 233 (67) -29% Net Mark-up and interest Income 2
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