Allied Bank Limited · PSX:ABL
Allied Bank — H1 2018 Earnings Presentation
19 slides from Allied Bank's earnings presentation, June 2018
Slide 1: Allied Bank Limited Investor Presentation
Allied Bank Limited Investor Presentation For The Half Year Ended June 30, 2018 1
Slide 2: Contents
INVESTOR PRESENTATION – June 2018 Contents Description Slide No. Introduction 3 Major Highlights- Income Statement 4 Major Highlights- Balance Sheet 5 Investments 6 Advances & Asset Quality 7 Deposits 8 Key Ratios 9 Corporate Governance & Rating 10 Stock market Data 11 Awards & Achievement 12 Annexu
Slide 3: Allied Bank
INVESTOR PRESENTATION – June 2018 ABL Asset Management Co. Ltd. Holding:100% Subsidiary On-site:1,065 Bahrain WBU Off-site: 288 Overseas Export Processing ATMs: 1,353 Branches Zone Domestic Branches:1,254 Allied (Incld. 117 Islamic Br.) Domestic Bank Rep Offices UAE-Dubai & China-Beijing Branches Co
Slide 4: Major Highlights – Income Statement
INVESTOR PRESENTATION – June 2018 MAJOR HIGHLIGHTS – INCOME STATEMENT Rs. In Million Inc/(Dec) Jun-18 Jun-17 Rs. % Profit Before Tax 11,799 11,269 530 5% Profit After Tax 7,143 6,474 669 10% EPS - in Rs 6.24 5.65 0.59 10% • NIM reached Rs.15,812 million; 3%YoY • Prov. reversal of Rs.881 million; 25%
Slide 5: Major Highlights – Balance Sheet
INVESTOR PRESENTATION – June 2018 MAJOR HIGHLIGHTS – BALANCE SHEET Rs. In Billion Inc/(Dec) Jun-18 Dec-17 Rs. % Investments 861 698 163 23% Advances 424 372 52 14% Total Assets 1,473 1,246 227 18% Total Deposits 927 884 43 5% Total Equity 108 107 1 1% • Balance sheet stood at Rs.1,473 Bln (US$12 Bln
Slide 6: Investments
INVESTOR PRESENTATION – June 2018 INVESTMENTS Rs. in Million Composition Jun-18 Dec-17 Var. Growth Jun-18 Dec-17 Pakistan Investment Bonds 136,906 237,631 (100,725) -42% 16% 35% Market Treasury Bills 657,743 390,385 267,358 68% 77% 57% Listed and Unlisted Shares 26,318 26,551 (234) -0.9% 3% 4% TFCs,
Slide 7: Advances & Asset Quality
INVESTOR PRESENTATION – June 2018 ADVANCES & ASSET QUALITY Market Share: 6% 450 8.0% 440 7.5% 400 • Gross Advances reached Rs. 7.0% 349 389 403 7.0% 341 Rs. in Billion 440 billion ( 13%) 350 6.5% (Industry growth 12.7%) 6.4% 6.0% % 300 326 5.5% • NPLs at Rs.16 billion ( 10%) 250 5.9% 5.0% 4.5% • NPL
Slide 8: Deposits
INVESTOR PRESENTATION – June 2018 DEPOSITS Market Share 7.1% Industry Growth 5.7% Rs. In Billion Jun-18 Dec-17 Growth Current 349 316 10% Saving 433 382 13% Term 145 186 -22% Total Deposits 927 884 5%
Slide 9: Key Ratios and Channels
INVESTOR PRESENTATION – June 2018 Key Ratios 2018 2018 2017 Banking Sector Ratios Q2 Q1 Q4 Q3 Q2 Q1 March 2018: ROA: 0.9% ROA (%) 1.1 1.3 1.1 1.2 1.2 1.3 ROE: 11.8% ROE (Tier I) (%) 17.8 18.7 17.0 17.0 17.1 19.1 CAR: 15.9% Capital Adequacy Ratio (%) 22.3 22.7 22.4 22.3 22.1 22.3 Channels 256 New Bra
Slide 10: Ratings
INVESTOR PRESENTATION – June 2018 RATINGS RATING RATING RATING RATING INDICATION TYPE AGENCY These ratings denote exceptionally strong capacity for timely payment of financial commitments with lowest AAA (Long Term) expectation of credit risk. Entity Rating PACRA With this rating up-grade, Allied Ba
Slide 11: Stock Market Data
INVESTOR PRESENTATION – June 2018 Stock Market Data Pakistan Stock Exchange Code ABL Bloomberg Code ABL PA Shares Outstanding (mln) 1,145.07 Market Capitalization (Rs. bln) 122.06 Market Capitalization (US$ mln) 1,004.31 Current Stock Price* 105.26 12M High/Low 109.95 / 76.72 ABL outperformed market
Slide 12: Awards & Achievements
INVESTOR PRESENTATION – June 2018 AWARDS & ACHIEVEMENTS Best Bank in Pakistan Award 2018 Bank of the Year Pakistan 2017 6th FPCCI Achievement Award by Euromoney by The Banker 2018 Best Bank for CSR – Pakistan Corporate Excellence Award 2017 by Top Issuer of PayPak Debit Cards Management Association
Slide 13: Annexures
INVESTOR PRESENTATION – June 2018 Annexures
Slide 14: Income Statement – Standalone
INVESTOR PRESENTATION – June 2018 INCOME STATEMENT – Standalone Annexure A Rs. in Million US$ in Million Jun-18 Jun-17 Var. Jun-18 Jun-17 Var. Growth Mark-up/ interest Income 33,320 32,345 975 274 266 8 3% Mark-up/ interest Expensed 17,508 16,068 1,440 144 132 12 9% Net Mark-up/ interest Income 15,8
Slide 15: Income Statement – Consolidated
INVESTOR PRESENTATION – June 2018 INCOME STATEMENT – Consolidated Annexure A Rs. in Million US$ in Million Jun-18 Jun-17 Var. Jun-18 Jun-17 Var. Growth Mark-up/ interest Income 33,320 32,364 956 274 266 8 3% Mark-up/ interest Expensed 17,507 16,067 1,440 144 132 12 9% Net Mark-up/ interest Income 15
Slide 16: Statement of Financial Position – Standalone
INVESTOR PRESENTATION – June 2018 Statement of Financial Position – Standalone Annexure B Rs. in M illion US$ in M illion ASSETS Jun-18 Dec-17 Var. Jun-18 Dec-17 Var. Growth Cash and Balances with Banks & Lending to FIs 107,638 94,711 12,928 886 779 106 14% Investments 860,721 698,082 162,639 7,082
Slide 17: Statement of Financial Position – Consolidated
INVESTOR PRESENTATION – June 2018 Statement of Financial Position – Consolidated Annexure B Rs. in M illion US$ in M illion ASSETS Jun-18 Dec-17 Var. Jun-18 Dec-17 Var. Growth Cash and Balances with Banks & Lending to FIs 107,638 94,699 12,939 886 779 106 14% Investments 862,050 699,324 162,726 7,09
Slide 18: Disclaimer
INVESTOR PRESENTATION – June 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 forwar
Slide 19: Thank You
INVESTOR PRESENTATION – June 2018 THANK YOU