Allied Bank Limited · PSX:ABL
Allied Bank — Investor Presentation (December 2024)
23 slides from Allied Bank's investor presentation, December 2024
Slide 1: Financial Presentation December 2024
Financial Presentation December 2024
Slide 2: Contents
Contents 10 Deposits At Glance 3-4 & Economic Highlights Digital Footprints & 11-12 Major Highlights Network Outreach 5-7 Balance Sheet Income Statement K13 Key Ratios 08 Investments Stock Market 14 Information Advances 09 & Asset Quality 15-20 Ratings / Annexure
Slide 3: ABL at Glance
BL at Glance ATMs : 1604 Subsidiary (100%Holding) On Site : 1356 ABL Asset Management Co. Off Site : 243 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 Bahrain W
Slide 4: Economic Highlights
Economic Highlights Workers Remmittances- US$ Million 3,500 3,000 2,500 2,000 1,500 1,000 500 0 Dec-23 Jan-24 Feb-24 Mar-24 Apr-24 May-2 4 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 2023-24 2022-23 Export & Import- US$ Million TD Trade Deficit & Current Account CAD 7,000 - 800 6,000 (500) 600
Slide 5: Highlights Financial Position (Assets)
Highlights Financial Position (Assets) (Rs. in Billion) Net Advances 3,000 35% 400 Net Investments 138% 300 2,500 Rs.1,051 200 Rs.1,130 2,000 3% 100 -2% 0 1,500 232 270 6 2,817 -100 2,329 -20 Net Advances 1,000 -200 reached at Rs. 1,051 -300 500 billion as on Dec 31, -400 Net Investments 2024; incre
Slide 6: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in Billion) Total Equity 20% Deposits Rs.234 24% Rs.2,018 21% CASA Dec’24 Stood 88 342 18 2,583 at: 86%. Total Equity stood at 2,135 Rs. 234 billion; increased by 20% Deposits aggregated (Dec 2023: Rs. 194 to reached at Rs. billion) 2,018 billion; CAR
Slide 7: Highlights Income Statement
Highlights Income Statement (Rs. in Million) Net Interest Income Profit before Tax 18% Rs.115,223 Rs.87,928 2% 15% -191% -1% 40,683 1,944 3,553 9,013 262 43,116 Net Interest Income Profit before Tax (NII) stood at reached at Rs. 115,223 Rs. 87,928 million; -5,687 million during the year increased by
Slide 8: Investments
Investments (Rs. in Million) Investments Dec'24 Dec'23 Var. Growth Pakistan Investment Bonds 822,897 1,009,785 (186,888) -19% Market Treasury Bills 141,302 63,108 78,195 124% Listed and Unlisted Shares 10,323 13,331 (3,008) -23% TFCs, Bonds, Sukuks and Mutual Funds 135,892 80,681 55,211 68% Subsidia
Slide 9: Advances & Asset Quality
Advances & Asset Quality NPLs (Rs. in Billion) Rs.12.9 Gross Advances • NPLs at Rs.12.9 billion (0.3%↓) Rs. 1,066 • NPL Ratio 1.22% (0.4%↓); • Industry Sep’24: 8.4% Gross advances • Specific NPL stood at Rs. Coverage 93.8% 1,066 (0.8%↓) & billion (34%↑) Overall NPL (Industry Coverage at Advances:30%
Slide 10: Deposits
Deposits (Rs. in Billion) Particulars Dec' 24 Dec' 23 Var (%) Market Share: 7% Current 773 706 9% Saving 958 717 34% Industry Growth: 9% Term 288 253 14% Total Deposits 2,018 1,677 20% ABL CASA Mix: 86% 2,018 1,677 1,522 1,413 1,217 1,731 985 1,049 805 883 1,423 735 1,189 1,201 515 608 611 1,062 400
Slide 11: Digital Channels Digital Footprints
Digital Channels myABL Registered WhatsApp Users Users 1.6 Million 2.1 Million Cards In Circulation Digital Digital Touchpoints 3.5 Million Footprints 23 Social Media Followers Digital Vs Counter Facebook 2.0 million Transaction Instagram 0.06 million Digital: 85% LinkedIn 0.4 million Counter: 15% X
Slide 12: Branches Network Outreach
Islamic Sub Conventional Branches Branches Branches Branches 1350 160 06 1510 Shariah Compliant Conventional Sub Branches Total Branches Branches Branches Global Digital Presence Total ATMs Offsite ATMs Branches 02 1604 1356 Representative Office 18 Digital Total Automated Onsite Automated 02 Branch
Slide 13: Key Ratios
Key Ratios ROA ROE 1.78% 35.00% 29.40% 2.00% 1.68% 30.00% 26.01% 1.50% 25.00% 18.75% 18.41% 1.17% 16.24% 16.46% 1.00% 20.00% 0.96% 0.99% 1.00% 15.00% 10.00% 0.50% 5.00% 0.00% 0.00% 2019 2020 2021 2022 2023 2024 2019 2020 2021 2022 2023 2024 ROE ROA CAR Gross ADR 30.00% 25.20% 26.21% 26.71% 56.33% 60
Slide 14: Stock Market Data
Stock Market Data Allied Bank Limited (ABL) Stock Price vs Market - Trend Pakistan Stock Exchange Code: ABL 200.0% 180.0% Bloomberg Code: ABL PA 160.0% 140.0% 120.0% Shares Outstanding (mln): 1,145.07 100.0% 80.0% 60.0% Market Capitalization (Rs. bln): 157.871 40.0% 20.0% Stock Price as at Dec 31, 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 Stable, in line with • A very low expectation of • Very high level of corporate Stable outlook on the cre
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 Dec'24 Dec'23 Variance Dec'24 Dec'23 Variance Cash and Balances with Banks 156,732 158,592 (1,860) 563 569 (7) -1% Lending to FIs 243,541 9,418 234,123 874 34 841 2486% Investments - net 1,129,874 1,150,318 (20,
Slide 18: Statement of Financial Position: Consolidated
Statement of Financial Position : Consolidated Rs. in Million US$ in Million ASSETS Growth Dec'24 Dec'23 Variance Dec'24 Dec'23 Variance Cash and Balances with Banks 156,777 158,580 (1,803) 563 569 (6) -1% Lending to FIs 243,541 9,418 234,123 874 34 841 2486% Investments - net 1,132,883 1,154,597 (2
Slide 19: Income Statement: Standalone
Income Statement : Standalone Rs. in Million US$ in Million Particulars Growth Dec'24 Dec'23 Variance Dec'24 Dec'23 Variance Mark-up and Interest Income 376,760 357,307 19,453 1,353 1,283 70 5% Mark-up and Interest Expensed 261,537 244,028 17,509 939 876 63 7% Net Mark-up and interest Income 115,223
Slide 20: Income Statement: Consolidated
Income Statement : Consolidated Rs. in Million US$ in Million Particulars Growth Dec'24 Dec'23 Variance Dec'24 Dec'23 Variance Mark-up and Interest Income 376,907 357,009 19,898 1,353 1,282 71 6% Mark-up and Interest Expensed 261,543 244,096 17,447 939 876 63 7% Net Mark-up and interest Income 115,3
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 Investor.Relations@abl.com Ext: 32637
Slide 23: Thank You