Allied Bank Limited · PSX:ABL
Allied Bank — FY2020 Earnings Presentation
22 slides from Allied Bank's earnings presentation, December 2020
Slide 1: Investor Presentation – December 2020 Financial Results
LLIED BANK LIMITED Investor Presentation – December 2020 Financial Results
Slide 2: Table of Contents
LLIED BANK LIMITED Table of Contents ABL at a Glance & Investments Deposits Stock Market Annexures Economic Highlights Data 3-5 6 7 8 9 10 13-17 1-2 11-12 Major Highlights Advances Key Ratios Awards Balance Sheet & & & Income Statement Asset Quality Channels CGR
Slide 3: ABL at Glance
ABL at Glance ATMs:1,558 Entity Credit Rating On-site: 1,222 Off-site: 333 Overseas Long Term: AAA MBU: 3 Short Term: A1+ Corporate Branches: 2 Governance Bahrain WBU Rating Export Processing Subsidiary Rep Offices: CGR 9+ Zone Asset Management 2 Domestic Company Limited. UAE-Dubai Holding 100% Digi
Slide 4: Economic Highlights
Economic Highlights *(US$ millions) 2
Slide 5: Highlights Financial Position (Assets)
Highlights Financial Position (Assets) (Rs. in billion) 1,800 200 1,600 9% 100 • Total Assets reached at Rs. 1,590 15% 2% 7% billion (Increase of 7%). 1,400 0 1,200 20 72 11 7 1,000 -100 800 • Investment portfolio optimized due to 1,481 1,590 -200 600 evolving yield curve and capital market -300 400
Slide 6: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in billion) 1,600 16% 200 • Total Liabilities reached at Rs. 1,459 1,400 100 -27% -4% billion (Increased by 7%) 1,200 1,000 0 168 -2 800 -100 600 1,366 -73 1,459 • Current Account Saving Account -200 400 (CASA) as at Dec’20 improved to: 87% 200 -300 (
Slide 7: Highlights Income Statement
Highlights Income Statement (Rs. in million) • Effective duration management, favorable 30,000 repricing delay and funding cost decrease 16% facilitated growth of 16% in Net Interest 25,000 20,000 9% Income. 15% 13% -54% 15,000 • Fee, Commission and Capital Gains increased 1,651 2,622 1,357 by 7% an
Slide 8: Investments
Investments (Rs. in million) Investments Dec' 20 Dec'19 Var. Growth *Pakistan Investment (PIBs) 407,300 154,349 252,950 1.6T Market Treasury Bills 360,865 542,566 (181,701) -33% Listed and Unlisted Shares 20,604 25,387 (4,784) -19% TFCs, Bonds, Sukuks and Mutual Funds 35,285 27,304 7,981 29% Subsidi
Slide 9: Advances and Asset Quality
Advances and Asset Quality (Rs. in billion) 600 9% Gross Advances reached Rs. 510 billion (2%↑) 7.8% 7.2% 500 500 510 8% (Industry Increase; 2%↑) 500 6.8% 7.0% 6.4% 7% 5.9% 389 400 6% 326 341 349 4.6% Gross Advances to Deposit (ADR) ratio reached 5% 300 262 289 285 4% 41.9% (Variance 5.8% ↓) (Indust
Slide 10: Deposits
Deposits (Rs. in billion) Market Share: 7% Particulars DEC' 20 Dec' 19 Var (%) Industry Growth: 17% Current 491 410 20% Saving 570 458 24% ABL Growth: 16% Term 155 181 -14% Total Deposits 1,217 1,049 16% CASA Mix: 87% 1,400 1,216 1,200 1,049 985 1,000 883 805 1,061 800 735 668 868 608 809 600 515 69
Slide 11: Key Ratios and Channels
Key Ratios and Channels ABL Particulars Dec'20 Dec'19 Variance Return on Assets (%) 1.2% 1.0% 0.2% Return on Equity (Tier I) (%) 18.8% 16.0% 2.8% Capital Adequacy Ratio (%) 25.2% 21.7% 3.5% Channels Dec' 20 Dec' 19 Growth Total Branches 1,402 1,395 7 Conventional 1,285 1,278 7 Islamic 117 117 - Tota
Slide 12: Stock Market Data
No. of Cases Stock Market Data % Allied Bank Limited (ABL) Stock Price vs Market - Trend 1-Jan-20 1-Feb-20 1-Mar-20 1-Apr-20 1-May-20 1-Jun-20 1-Jul-20 1-Aug-20 1-Sep-20 1-Oct-20 1-Nov-20 1-Dec-20 Pakistan Stock Exchange Code: ABL 0.1 7000 0 6000 Bloomberg Code: ABL PA 5000 -0.1 4000 Shares Outstand
Slide 13: Awards & Achievements
Awards & Achievements 1 2 3 4 5 6 7 8 Asian Banking The Asset Triple Finance Corporate Asian Banking Pakistan Digital (Certified Global and Finance A Asia Asia Excellence and Finance Awards 2020 Financial Diversity & (ABF) Corporate Infrastructure Country Award - (ABF) 1. Best Mobile Analyst) CFA In
Slide 14: Corporate Governance & Ratings
Corporate Governance & Ratings Entity Rating CGR PACRA Deposits VIS Credit Rating • AAA (Long Term) Company • A1+ (Short Term) • A very low expectation of • CGR-9+ (Corporate Moody’s credit risk emanating from a Governance Rating) very strong capacity for • Very high level of corporate • B3 timely p
Slide 15: Annexures
Annexures Annexure A Statement of Financial Position - Standalone Basis Annexure B Statement of Financial Position - Consolidated Annexure C Income Statement - Standalone Basis Annexure D Income Statement Consolidated 13
Slide 16: Statement of Financial Position : Standalone
Statement of Financial Position : Standalone Rs. in Million US$ in Million ASSETS Growth Dec'20 Dec'19 Variance Dec'20 Dec'19 Variance Cash and Balances with Banks 135,628 120,546 15,082 849 754 95 13% Lending to FIs 17,996 13,607 4,389 113 85 28 33% Investments 829,621 757,957 71,664 5,191 4,742 44
Slide 17: Statement of Financial Position : Consolidated
Statement of Financial Position : Consolidated Rs. in Million US$ in Million ASSETS Growth Dec' 20 Dec'19 Variance Dec' 20 Dec'19 Variance Cash and Balances with Banks 135,625 120,538 15,087 849 754 95 13% Lending to FIs 17,996 13,607 4,389 113 85 28 33% Investments 831,704 759,654 72,050 5,204 4,75
Slide 18: Income Statement : Standalone
Income Statement : Standalone Rs. in Million US$ in Million Particulars Growth Dec' 20 Dec'19 Variance Dec' 20 Dec'19 Variance Mark-up and interest Income 110,547 122,637 (12,090) 692 767 (75) -10% Mark-up and interest Expensed 62,126 80,758 (18,632) 389 505 (116) -23% Net Mark-up and interest Incom
Slide 19: Income Statement : Consolidated
Income Statement : Consolidated Rs. in Million US$ in Million Particulars Growth Dec' 20 Dec'19 Var. Dec' 20 Dec'19 Var. Mark-up and interest Income 110,549 122,639 (12,090) 692 767 (75) -10% Mark-up and interest Expensed 62,153 80,761 (18,608) 389 505 (116) -23% Net Mark-up and interest Income 48,3
Slide 20: 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 21: Contact Us
Contact Us Muhammad Bilal +92-42-35880043 Investor.Relations@abl.com Saleem Ext: 32665 Unit Head Strategic Planning 21
Slide 22: Thank You
= a, f 3 E e™ @ my e, BORE OS te eee mam om Kohpes BAL ee i Sak = PT Ty Baty; Hare a ee “THANK YOU.