Askari Bank Limited · PSX:AKBL
Askari Bank — FY2025 Earnings Presentation
14 slides from Askari Bank's earnings presentation, Mar 17, 2026
Slide 1: Corporate Briefing Session
Corporate Briefing Session Performance Review Year Ended December 31, 2025
Slide 2: AKBL - Overview
AKBL - Overview Sponsor Presence PSX Indicators Fauji Foundation Group – Over 267 cities/towns across As of 31-Dec-25 71.9% Pakistan, and 2 countries, Share Price: Rs. 100.56 (One of the Pakistan’s largest Bahrain and China Market Cap: Rs.145.7 bn business conglomerate) YOY +163% % Ratings Capital A
Slide 3: Growth
Growth Total Assets Deposit Current Accounts Advances & Investments Rs 2.9 trillion Rs 1.6 trillion Rs 502 billion Rs 2.6 trillion YoY +16% YoY +20% YoY +29% YoY +19% Profit (Pre Tax) Total Equity Cost to Return on Rs 53 Bn Rs 152 Bn Income Core Equity YoY +20% YoY +25% 48% 20% 2.1 M Customers Netwo
Slide 4: AKBL, Competition on PSX
AKBL, Competition on PSX YoY Dec’25 Growth YoY Growth (Closing Price-PSX) KSE100 AKBL 163% 163% 84% 91% 28% 31% 42% HMB BAFL BAHL MEBL FABL AKBL 84% Trading Volumes 55% 88% 80% 55% 53% 51% 23% -9% -9% BAHL MEBL FABL BAFL HMB AKBL -10% -19% Dec-22 Dec-23 Dec-24 Dec-25 -41% 17-Mar-26 AKBL Corporate Br
Slide 5: Balance Sheet
Balance Sheet Rs in billion Dec-24 Dec-25 YoY • Total Deposit grew by 20% YoY as focus remained on low cost deposit and current accounts (current Cash & bank balance 144 122 -15% accounts increased by 29% YoY) and CA ratio Lendings to FIs 5 14 209% improved to 31% from 28% last year. Advances 696 58
Slide 6: Profit & Loss
Profit & Loss For the Year Rs in billion Dec-24 Dec-25 YoY • NIM increased by 38% despite sharp decline in interest rates, contributed mainly by growth in Mark-up earned 401.0 300.8 -25% current accounts and build up of PIB portfolio. Mark-up expensed 337.7 213.4 -37% • Non markup income increased b
Slide 7: Key Financial Metrics
Key Financial Metrics Dec'22 Dec'23 Dec'24 Dec'25 Return on assets 1.0% 1.2% 0.9% 0.9% Return on core equity 22.8% 26.5% 21.2% 20.2% Deposit growth (yoy) 12.5% 13.2% 5.5% 19.6% CA growth (yoy) 13.0% 1.0% 9.8% 29.3% CA to total deposits 30.6% 27.3% 28.4% 30.8% Advances growth (yoy)* 21.1% 7.5% 10.9%
Slide 8: Key Financial Metrics
Key Financial Metrics 2022 2023 2024 2025 Profit & Loss Net interest income 40 59 63 87 Non Markup income 12 13 15 18 Opex 23 29 36 50 PBT 27 42 45 53 PAT 14 21 21 23 Advances - Net 584 633 696 587 Provision - accumulated 31 28 37 39 Advances - Gross 615 661 733 625 Balance Sheet NPLs 31 29 34 33 In
Slide 9: Business Segments
Business Segments Branch Corporate Consumer Islamic Foreign Others Treasury Total banking banking banking banking operations (Rupees in bln) Total net income 44 18 25 2 14 1 1 105 % 42% 17% 23% 2% 14% 1% 1% 100% Total Assets 70 387 1,931 23 388 23 72 2,895 % 2% 13% 67% 1% 13% 0.8% 2% 100% 9% 13% Adv
Slide 10: Key Business Risks
Key Business Risks Credit Risk The Bank is exposed to credit risk through its lending and investment activities as well as from contingent liabilities. The Bank has established a credit risk management framework to manage credit risk on relationship as well as at portfolio level. Market Risk Market
Slide 11: Award & Recognitions
AWARD & RECOGNITIONS • Best Islamic Local • Best Bank Sustainable • Best Bond Deal (Highly • Best partner Bank Islamic • Women In Business Currency Deal Finance Commended Deal) Banking Champion • Pakistan’s Best • Best Acquisition • Best Islamic Finance • 3rd Highest Percentage • ESG Excellence Inve
Slide 12: Thank you.
Thank you. 17-Mar-26 AKBL Corporate Briefing 12
Slide 13: Q&As
Q&As 17-Mar-26 AKBL Corporate Briefing 13
Slide 14: Questions received in advance
Questions received in advance Q1. would like you to elaborate more on your investment portfolio. What’s the mix of floater and fixed PIBS on your book and an increase in interest rate would have what kind of an effect on the balance sheet of the bank? Q2. What is your strategy regarding OMO borrowin