Allied Bank Limited · PSX:ABL
Allied Bank — Q1 2016 Earnings Presentation
15 slides from Allied Bank's earnings presentation, Mar 31, 2016
Slide 1: Allied Bank Limited Investor Presentation
Allied Bank Limited Investor Presentation For The Quarter Ended March 31, 2016
Slide 2: Major Highlights – Income Statement
INVESTOR PRESENTATION – March 2016 MAJOR HIGHLIGHTS – INCOME STATEMENT Rs. In Million Inc/Dec Mar-16 Mar-15 Rs. % Profit Before Tax 7,375 6,473 902 14% Profit After Tax 4,788 4,210 578 14% EPS - in Rs: per share 4.18 3.68 0.50 14% • Despite low interest rate scenario (QoQ fall of 233 bps) NII increa
Slide 3: Major Highlights – Balance Sheet
INVESTOR PRESENTATION – March 2016 MAJOR HIGHLIGHTS – BALANCE SHEET • Balance Sheet crossed Rs.1,000 billion milestone; Total Assets increased to Rs.1,019 Billion • Avg. earning assets growth of 17% compared to Mar’15; partially compensated reduction in discount rate in the comparative period • Due
Slide 4: Statement of Financial Position – Standalone
INVESTOR PRESENTATION – March 2016 Statement of Financial Position – Standalone Rs. in M illion US$ in M illion ASSETS Mar-16 Dec-15 Var. Mar-16 Dec-15 Var. Growth Cash and Balances with Banks & Lending to FIs 53,666 64,145 (10,479) 512 612 (100) -16% Investments 606,851 544,349 62,502 5,793 5,196 5
Slide 5: Statement of Financial Position – Consolidated
INVESTOR PRESENTATION – March 2016 Statement of Financial Position – Consolidated Rs. in M illion US$ in M illion ASSETS Mar-16 Dec-15 Var. Mar-16 Dec-15 Var. Growth Cash and Balances with Banks & Lending to FIs 53,666 64,145 (10,479) 512 612 (100) -16% Investments 607,653 545,106 62,547 5,801 5,204
Slide 6: Investments
INVESTOR PRESENTATION – March 2016 INVESTMENTS Rs. in M illion Composition Mar-16 Dec-15 Var. Growth Mar-16 Dec-15 Pakistan Investment Bonds 374,899 340,407 34,492 10% 64% 65% Market Treasury Bills 158,978 138,531 20,447 15% 27% 26% Listed and Unlisted Shares 25,267 25,259 9 0.0% 4% 5% TFCs, Bonds,
Slide 7: Deposits
INVESTOR PRESENTATION – March 2016 DEPOSITS Market Share 8% 800 735 734 600 700 668 Deposits (Bln) 608 540 544 500 600 486 CASA (Bln) 515 400 500 417 400 400 356 300 300 289 200 200 100 100 - - 2011 2012 2013 2014 2015 Q1 2016 Total Deposits CASA (Incld. Current Rem) Mar-16 Dec-15 Rs. In Billion Mar
Slide 8: Advances & Asset Quality
INVESTOR PRESENTATION – March 2016 ADVANCES & ASSET 350 Market Share: 7% QUALITY 7.8% 326 341 324 7.8% 300 Rs. in Billion 7.5% 289 • Limited credit appetite 250 262 285 7.2% % and cyclical 7.2% 6.9% 200 7.0% repayments impacting 6.8% 6.6% 6.7% growth in advances 150 6.3% 6.4% • NPLs reduced to 100 2
Slide 9: Income Statement – Standalone
INVESTOR PRESENTATION – March 2016 INCOME STATEMENT – Standalone Rs. in Million US$ in Million Q1 2016 Q1 2015 Var. Q1 2016 Q1 2015 Var. Growth Mark-up/ interest Income 17,103 18,491 (1,388) 163 177 (13) -8% Mark-up/ interest Expensed 8,605 10,013 (1,408) 82 96 (13) -14% Net Mark-up/ interest Income
Slide 10: Income Statement – Consolidated
INVESTOR PRESENTATION – March 2016 INCOME STATEMENT - Consolidated Rs. in Million US$ in Million Q1 2016 Q1 2015 Var. Q1 2016 Q1 2015 Var. Growth Mark-up/ interest Income 17,104 18,491 (1,387) 163 177 (13) -8% Mark-up/ interest Expensed 8,603 10,012 (1,409) 82 96 (13) -14% Net Mark-up/ interest Inco
Slide 11: Key Ratios and Channels
INVESTOR PRESENTATION – March 2016 Key Ratios 2016 2015 (FTQ) Q1 Q1 Q2 Q3 Q4 ROA (%) 1.9 1.6 2.0 1.7 1.97 ROE (Tier I) (%) 27.6 23.3 27.0 23.1 26.7 Capital Adequacy Ratio (%) 20.93 20.85 19.68 21.93 20.83 Channels Mar-16 Mar-15 Growth Total Branches 1,050 1,000 50 Conventional 1,023 996 27 Islamic 2
Slide 12: Corporate Governance & Ratings
INVESTOR PRESENTATION – March 2016 Corporate Governance & Ratings* RATING RATING TYPE RATING RATING INDICATION AGENCY Very high level of corporate governance; The Corporate rating action takes into consideration the CGR-9 Governance JCR-VIS continued commitment of the Board and Rating management of
Slide 13: Awards & Achievements
INVESTOR PRESENTATION – March 2016 AWARDS & ACHIEVEMENTS “Strongest Bank by Balance Sheet – 2015” “Best Investment Bank – 2014” “Best Bank of the Year – 2014” “Employer of the Year – 2014” Corporate Excellence Award 2015 by Management Association of Pakistan “Best Corporate Finance House – 2014”
Slide 14: Disclaimer
INVESTOR PRESENTATION – March 2016 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 forwa
Slide 15: Thank You
INVESTOR PRESENTATION – March 2016 THANK YOU