Allied Bank Limited · PSX:ABL
Allied Bank — Q3 2019 Earnings Presentation
21 slides from Allied Bank's earnings presentation, October 2019
Slide 1: Investor Presentation Financial Results - September 2019
INVESTOR PRESENTATION Financial Results - September 2019
Slide 2: Table of Contents
Table of Contents Stock ABL at a Glance Investments Deposits Annexures Market Data 1 2-4 6 7 8 9 10-11 5 12-16 Awards Major Highlights Advances Key Ratios & Balance Sheet - Total Assets & & Balance Sheet – Total Liabilities CGR Asset Quality Channels Income Statement
Slide 3: ABL At Glance
1 ABL At Glance Overseas Branches • Bahrain WBU • Export Processing Zone Rep Offices Subsidiary • UAE-Dubai • China-Beijing Asset Management Domestic Co. Ltd. Holding 100% Branches Entity Credit Rating 1,343 (incl.117 Islamic) Long Term: AAA Digital Touch Short Term: A1+ Points Corporate Governance
Slide 4: Major Highlights Balance sheet (Assets)
2 Major Highlights Balance sheet (Assets) (Rs. in Billion) 1,600 300 1,400 169 200 1,200 100 -28 -6 14 Total Assets Rs. 1,501 Billion (Increase by 1,000 0 -18% 25% -1% 16% 11%); Total Industry Assets increased by 10% 800 1,501 -100 600 1,351 -200 400 -300 200 -400 Net Advances stood at Rs. 432 Billi
Slide 5: Major Highlights Balance sheet (Liabilities)
3 Major Highlights Balance sheet (Liabilities) (Rs. in Billion) 1,600 150 Total Liabilities Rs. 1,392 Billion (increased by 1,400 94 100 12%); Total Industry Liabilities increased by 10% 1,200 36 20 50 1,000 - 800 42% 4% 59% 600 1,243 1,392 (50) 400 (100) • Deposits aggregated to reach Rs 1,020 bill
Slide 6: Major Highlights Income Statement
4 Major Highlights Income Statement • Growth in Net Interest Income by 22% despite (Rs. in Million) duration management in steeply rising interest 20,000 6,800 scenario. 18,000 5,159 4,800 16,000 3,133 • Fee & Commission income increased by 15%; 14,000 2,800 12,000 960 708 Foreign Exchange Income in
Slide 7: Investments
5 Investments (Rs. in Million) Investments Sep' 19 Dec'18 Var. Growth Pakistan Investment Bonds 124,602 64,695 59,907 93% Market Treasury Bills 651,720 543,455 108,265 20% Listed and Unlisted Shares 26,806 26,428 378 1% TFCs, Bonds, Sukuks and Mutual Funds 34,957 30,826 4,130 13% Subsidiary 500 500
Slide 8: Advances & Asset Quality
6 Advances & Asset Quality (Rs. in Billion) Gross Advances reached Rs. 448 bln 500 9.0% 454 437 460 448 (1.3% ) (Industry Growth 1.2%) 450 8.0% 7.8% 7.2% 389 400 6.8% 7.0% 7.0% 350 6.4% 326 6.0% 341 5.9% 300 262 289 285 349 Gross ADR ratio reached 44% 5.0% 250 4.6% (Industry ADR 56%); Avg ADR at 47%
Slide 9: Deposits
7 Deposits (Rs. in Billion) Particulars Sep' 19 Dec'18 Var (%) Market Share: 7.3% Current 383 364 5% Industry Growth: 5.0% Saving 439 445 -1% Term 198 176 13% Total Deposits 1,020 985 4% 1,200 985 1,008 1,029 1,020 1,000 883 805 800 735 668 809 835 822 793 608 600 690 Total Deposits 617 400 CASA (In
Slide 10: Key Ratios & Channels
8 Key Ratios & Channels Key Ratios ABL Industry Month Sep'19 Dec'18 Jun' 19 ROA (%) 1% 1% 1% ROE (Tier I) (%) 15% 16% 13% Capital Adequacy Ratio (%) 23% 22% 16% Channels Sep' 19 Dec' 18 Growth Total Branches 1,345 1,345 - Conventional 1,228 1,228 - Islamic 117 117 - Total ATMs 1,496 1,388 108 On-sit
Slide 11: Stock Market Data
9 Stock Market Data 15.0% 10.0% 5.0% Pakistan Stock Exchange Code: ABL 0.0% Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 -5.0% Bloomberg Code: ABL PA -10.0% -15.0% Shares Outstanding (mln): 1,145.07 -20.0% Market Capitalization (Rs. bln): 99.36 -25.0% -30.0% Stock Price as at Sep 3
Slide 12: Awards & Achievements
10 Awards & Achievements 1 2 3 4 5 6 7 CFA Society Best Primary Best Place to Top Issuer of SAFA- Certificate of Best Pakistan – Dealer – SBP Work in PayPak Debit Certificate of Excellence Corporate Best Bank of 2018-19 Financial Cards by 1- Merit 2019- Report 2018 the Year 2018 – Services 2019- Lin
Slide 13: Corporate Governance & Ratings
11 Corporate Governance & Ratings Corporate Entity Rating Governance Deposits Rating PACRA JCR-VIS Moody’s • CGR-9+ • B3 • AAA (Long Term) • Rating reflects bank’s stable • Very high level of corporate • A1+ (Short Term) deposits-based funding governance; the rating • A very low expectation of profi
Slide 14: Annexures
yA Annexures Allied Bank
Slide 15: Statement of Financial Position : Standalone
13 Statement of Financial Position : Standalone Annexure - A Rs. in Million US$ in Million ASSET S Growth Sep' 19 Dec'18 Var. Sep' 19 Dec'18 Var. Cash and Balances with Banks 98,220 101,763 (3,543) 628 651 (23) -3% Lending to FIs 29,396 53,786 (24,389) 188 344 (156) -45% Investments 840,373 671,228
Slide 16: Statement of Financial Position : Consolidated
14 Statement of Financial Position : Consolidated Annexure - B Rs. in Million US$ in Million ASSETS Growth Sep' 19 Dec'18 Var. Sep' 19 Dec'18 Var. Cash and Balances with Banks 98,220 101,753 (3,533) 628 651 (23) -3% Lending to Fis 29,396 53,786 (24,389) 188 344 (156) -45% Investments 841,973 672,587
Slide 17: Income Statement : Standalone
15 Income Statement : Standalone Annexure - C Rs. in Million US$ in Million Particulars Growth Sep' 19 Sep'18 Var. Sep' 19 Sep'18 Var. Mark-up/ interest Income 86,985 53,213 33,772 557 340 216 63% Mark-up/ interest Expensed 58,204 29,592 28,612 372 189 183 97% Net Mark-up/ interest Income 28,780 23,
Slide 18: Income Statement : Consolidated
16 Income Statement : Consolidated Annexure - D Rs. in Million US$ in Million Particulars Growth Sep' 19 Sep'18 Var. Sep' 19 Sep'18 Var. Mark-up/ interest Income 86,986 53,214 33,772 557 340 216 63% Mark-up/ interest Expensed 58,207 29,591 28,616 372 189 183 97% Net Mark-up/ interest Income 28,779 2
Slide 19: Disclaimer
17 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
Slide 20: Contact Us
Contact Us Humza Taimur +92-42-35880043 humza.taimur@abl.com Manager Investor Ext: 32641 Relations 20
Slide 21: Thank You
BR 728 JSR “Gee gy) | ie | “THANK YOU ~~ SS 8 ife= "he Agee