Allied Bank Limited · PSX:ABL
Allied Bank — Investor Presentation (December 2018)
20 slides from Allied Bank's investor presentation, Dec 31, 2018
Slide 1: Allied Bank Limited Investor Presentation
Allied Bank Limited Investor Presentation For The Year Ended December 31, 2018 1
Slide 2: Contents
INVESTOR PRESENTATION – December 2018 Contents Description Slide No. Introduction 3 Major Highlights- Balance Sheet – Total Assets 4 Major Highlights – Balance Sheet – Total Liabilities 5 Major Highlights – Income Statement 6 Investments 7 Advances & Asset Quality 8 Deposits 9 Key Ratios 10 Corporat
Slide 3: Allied Bank
INVESTOR PRESENTATION – December 2018 ABL Asset Management Co. Ltd. Holding:100% Subsidiary On-site;1,083 Bahrain WBU Off-site;305 Export Processing Zone Overseas ATMs: 1,388 Branches Domestic Branches;1,345 (Incld. 117 Islamic Br.) Allied Domestic Bank Rep Offices UAE-Dubai & China-Beijing Branches
Slide 4: Major Highlights – Balance Sheet – Total Assets
INVESTOR PRESENTATION – December 2018 MAJOR HIGHLIGHTS – BALANCE SHEET TOTAL ASSETS - Rs. in Billion 66 45 16 -27 4 -3 18% 519% 18% 8% -9% -4% 1,351 1,250 Dec-17 Cash & Bank Lending to Investments Advances Operating Other Assets Dec-18 Balances FIs Fixed Assets Total Assets Fall Rise • Total Assets
Slide 5: Major Highlights – Balance Sheet – Total Liabilities
INVESTOR PRESENTATION – December 2018 MAJOR HIGHLIGHTS – BALANCE SHEET Total Liabilities Fall Rise • Total Liabilities Rs.1,243 Billion • Healthy growth in deposits; Focus in CASA Dec’18: 82% (Dec’17: 78%) • Total Equity at Rs.107 billion (US$ 773 Million) • CAR: 22.2% as at December 2018; Industry
Slide 6: Major Highlights – Income Statement
INVESTOR PRESENTATION – December 2018 MAJOR HIGHLIGHTS PAT PAT Fall PAT Rise • PAT at Rs.12,881 million: EPS Rs.11.25 • Growth in Net Interest Income by 2%; despite staggered repricing and securities related capital gain. • Growth in Non Interest Income by 30%; Fee income growth, Foreign Exchange ea
Slide 7: Investments
INVESTOR PRESENTATION – December 2018 INVESTMENTS Rs. in M illion Composition Dec-18 Dec-17 Var. Growth Dec-18 Dec-17 Pakistan Investment Bonds 64,695 237,631 (172,935) -73% 10% 35% Market Treasury Bills 543,455 390,385 153,069 39% 82% 57% Listed and Unlisted Shares 26,428 26,551 (123) 0% 4% 4% TFCs
Slide 8: Advances & Asset Quality
INVESTOR PRESENTATION – December 2018 ADVANCES & ASSET QUALITY Market Share: 6% • Gross Advances reached Rs. 454 billion ( 17%) (Industry growth 21%) • Net ADR Ratio reached 45% ( 2%) (Industry ADR 56%) • NPLs at Rs.16.1 billion ( 11%) • NPL ratio 3.5% ( 1.1%) (Industry Sep’18: 8.0%) • NPL coverage
Slide 9: Deposits
INVESTOR PRESENTATION – December 2018 DEPOSITS Market Share 7.4% Industry Growth 8% Rs. In Billion Dec-18 Dec-17 Growth Current 364 316 15% Saving 445 374 19% Term 176 193 -9% Total Deposits 984 883 11%
Slide 10: Key Ratios and Channels
INVESTOR PRESENTATION – December 2018 Key Ratios ABL Industry Dec'18 Dec'17 Sep'2018 ROA (%) 1 1 1 ROE (Tier I) (%) 16 17 13 Capital Adequacy Ratio (%) 22 22 16 95 New Branches Channels 147 New ATMs Dec-18 Dec-17 Growth Total Branches 1,345 1,250 95 Conventional 1,226 1,131 95 Islamic 117 117 0 Tota
Slide 11: Corporate Governance & Ratings
INVESTOR PRESENTATION – December 2018 Corporate Governance & Ratings RATING RATING TYPE RATING RATING INDICATION AGENCY A very low expectation of credit risk emanating AAA (Long Term) from a very strong capacity for timely payment Entity Rating PACRA of financial commitments and not being A1+ (Short
Slide 12: Stock Market Data
INVESTOR PRESENTATION – December 2018 Stock Market Data Pakistan Stock Exchange Code ABL Bloomberg Code ABL PA Shares Outstanding (mln) 1,145.07 Market Capitalization (Rs. bln) 123.06 Market Capitalization (US$ mln) 886.66 Current Stock Price* 107.47 12M High/Low 109/88 ABL outperformed market with
Slide 13: Awards & Achievements
INVESTOR PRESENTATION – December 2018 AWARDS & ACHIEVEMENTS Corporate Excellence Award Management Association of Pakistan 6th FPCCI Achievement Award 2018 - Commercial Banks Best Bank in Pakistan Award 2018 by Euromoney Best Bank for CSR – Top Issuer of PayPak Debit Pakistan Best Corporate Report Aw
Slide 14: Annexures
INVESTOR PRESENTATION – December 2018 Annexures
Slide 15: Income Statement – Standalone
INVESTOR PRESENTATION – December 2018 INCOME STATEMENT – Standalone Annexure A Rs. in Million US$ in Million Dec-18 Dec-17 Var. Dec-18 Dec-17 Var. Growth Growt Mark-up/ interest Income 73,274 65,709 7,565 528 473 55 12% Mark-up/ interest Expensed 41,159 34,130 7,029 297 246 51 21% Net Mark-up/ inter
Slide 16: Income Statement – Consolidated
INVESTOR PRESENTATION – December 2018 INCOME STATEMENT – Consolidated Annexure A
Slide 17: Statement of Financial Position – Standalone
INVESTOR PRESENTATION – December 2018 Statement of Financial Position – Standalone Annexure B Rs. in M illion US$ in M illion Growth ASSETS Dec-18 Dec-17 Var. Dec-18 Dec-17 Var. Cash and Balances with 101,763 86,016 15,747 733 620 113 18% Banks Lending to FIs 53,786 8,694 45,091 388 63 325 519% Inve
Slide 18: Statement of Financial Position – Consolidated
INVESTOR PRESENTATION – December 2018 Statement of Financial Position – Consolidated Annexure B Rs. in M illion US$ in M illion Growth ASSETS Dec-18 Dec-17 Var. Dec-18 Dec-17 Var. Cash and Balances with 101,753 86,005 15,748 733 620 113 18% Banks Lending to Fis 53,786 8,694 45,091 388 63 325 519% In
Slide 19: Disclaimer
INVESTOR PRESENTATION – December 2018 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 fo
Slide 20: Thank You
INVESTOR PRESENTATION – December 2018 THANK YOU