Allied Bank Limited · PSX:ABL
Allied Bank — H1 2025 Earnings Presentation
23 slides from Allied Bank's earnings presentation, June 2025
Slide 1: Financial Presentation June 30, 2025
FINANCIAL PRESENTATION
Slide 2: Contents
Contents At Glance 10 Deposits 3-4 & Economic Highlights 11-12 Digital Footprints & Major Highlights Network Outreach 5-7 Balance Sheet Income Statement 13 Key Ratios 08 Investments 14 Stock Market Information Advances Ratings 09 & Asset Quality 15-20 / Annexure
Slide 3: ABL at Glance
BL at Glance ATMs : 1703 Subsidiaries (100%Holding) On Site : 1,456 ABL Asset Management Co. Ltd. Off Site : 242 ABL Exchange (Private) Ltd. MBU : 5 Rep Office : 2 Entity Credit UAE - Dubai Rating Long Term: AAA CHINA - Beijing Short Term: A1+ Corporate Overseas Governance Rating Branches : 2 Bahrai
Slide 4: Economic Highlights
Economic Highlights Workers Remmittances- US$ Million 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1,000 500 0 Jun-24 Jul-24 Aug-24 Sep-24 Oct-2 4 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-2 5 Jun-25 2023-24 2022-23 Export & Import- US$ Million TD Trade Deficit & Current Account CAD 7,000 - 1,400 6
Slide 5: Highlights Financial Position (Assets)
Highlights Financial Position (Assets) (Rs. in Billion) Net Advances 4,000 950 1100 Net Investments 3,500 900 Rs.736 3,000 2,500 700 500 Rs.2,080 2,000 300 1,500 -207 -315 7 3,251 100 2,817 Net Advances 1,000 84% -100 reached at Rs. 736 3% billion as on Jun 30, 500 -300 -52% -30% Net Investments 202
Slide 6: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in Billion) Total Equity Deposits 45% 11% Rs.247 Rs.2,247 -14% 207 229 -14 CASA Jun’25 Stood Total Equity stood at 2,583 3,004 at: 85%. Rs. 247 billion; increased by 6% Deposits aggregated (Dec 2024: Rs. 234 to reached at Rs. billion) 2,247 billion; C
Slide 7: Highlights Income Statement
Highlights Income Statement (Rs. in Million) Net Interest Income Profit before Tax Rs. 36,970 3,739 Rs.51,654 761 -6,827 265 -3,356 13% 9% 23,641 6% For the half year, 17,457 Net Interest Income Profit before Tax -15% (NII) stood at reached at -12% Rs. 51,654 Rs. 36,970 million; decreased by 21% mil
Slide 8: Investments
Investments (Rs. in Million) Investments Jun'25 Dec'24 Var. Growth Pakistan Investment Bonds 1,320,179 822,897 497,282 60% Market Treasury Bills 582,391 141,302 441,088 312% Listed and Unlisted Shares 13,254 10,323 2,931 28% TFCs, Bonds, Sukuks and Mutual Funds 136,975 135,892 1,083 1% Subsidiaries
Slide 9: Advances & Asset Quality
Advances & Asset Quality NPLs (Rs. in Billion) Rs.12.3 Gross 7.00% 1,051 1,066 Advances 6.40% 5.85% 857 • NPLs at Rs.12.3 751 billion (5%↓) Rs. 751 4.64% 3.54% 500 510 666 • NPL Ratio 1.64% (0.4%↑); 389 454 3.17% • Industry Mar’25: 326 341 349 2.78% 2.04% 7.1% 1.22% 1.64% Gross advances 1.53% 1.24%
Slide 10: Deposits
Deposits (Rs. in Billion) Particulars Jun' 25 Dec' 24 Var (%) Market Share: 6% Current 886 773 15% Industry Growth: 17% Saving 1,017 958 6% Term 343 288 19% ABL CASA Mix: 85% Total Deposits 2,247 2,018 11% 2,247 2,018 1,677 1,522 1,903 1,413 1,217 1,731 985 1,049 1,423 805 883 735 1,189 1,201 515 60
Slide 11: Digital Channels and Digital Footprints
Digital Channels myABL Registered WhatsApp Users Users 1.9 Million 2.4 Million Cards In Circulation Digital Digital Touchpoints 3.7 Million Footprints 23 Social Media Followers Digital Vs Counter Facebook 2.1 million Transaction Instagram 0.07 million Digital: 87% LinkedIn 0.4 million Counter: 13% X
Slide 12: Branches and Network Outreach
Islamic Sub Conventional Branches Branches Branches Branches 1316 198 10 1514 Shariah Compliant Conventional Sub Branches Total Branches Branches Branches Global Digital Total ATMs Onsite ATMs Presence 02 Branches Representative 1703 1456 Office 19 Digital Total Automated Onsite Automated 02 Lounges
Slide 13: Key Ratios
Key Ratios ROA ROE 2.00% 1.78% 40.00% 1.68% 29.40% 1.50% 30.00% 26.01% 1.17% 1.20% 1.00% 0.96% 0.99% 18.75% 18.41% 19.30% 16.24% 16.46% 1.00% 20.00% 0.50% 10.00% 0.00% 0.00% 2019 2020 2021 2022 2023 2024 Q2-2025 2019 2020 2021 2022 2023 2024 Q2-2025 ROA ROE CAR Gross ADR 35.00% 60.00% 56.33% 29.86%
Slide 14: Stock Market Data
Stock Market Data Pakistan Stock Exchange Code: ABL Allied Bank Limited (ABL) Stock Price vs Market - Trend 70.0% 60.0% Bloomberg Code: ABL PA 50.0% 40.0% Shares Outstanding (mln): 1,145.07 30.0% 20.0% Market Capitalization (Rs. bln): 161.455 10.0% 0.0% Stock Price as at June 30, 2025: Rs.141.1 Jun-
Slide 15: Corporate Governance & Ratings
Corporate Governance & Ratings Entity CGR Deposits Rating PACRA VIS Credit Rating Moody’s Company • AAA (Long Term) • CGR-9++ (Corporate Governance • Caa2/NP • A1+ (Short Term) Rating) • Outlook Positive, in line with • A very low expectation of • Very high level of corporate Positive outlook on the
Slide 16: Annexures
Annexures 01 Annexure A Statement of Financial Position - Standalone 02 Annexure B Statement of Financial Position - Consolidated 03 Annexure C Income Statement - Standalone 04 Annexure D Income Statement - Consolidated 16/23
Slide 17: Statement of Financial Position: Standalone
Statement of Financial Position : Standalone Rs. in Million US$ in Million ASSETS Growth Jun'25 Dec'24 Variance Jun'25 Dec'24 Variance Cash and Balances with Banks 169,655 156,732 12,923 598 552 46 8% Lending to FIs 23,140 243,541 (220,401) 82 858 (777) -90% Investments - net 2,080,158 1,129,874 950
Slide 18: Statement of Financial Position: Consolidated
Statement of Financial Position : Consolidated Rs. in Million US$ in Million ASSETS Growth Jun'25 Dec'24 Variance Jun'25 Dec'24 Variance Cash and Balances with Banks 169,810 156,777 13,033 598 552 46 8% Lending to FIs 23,140 243,541 (220,401) 82 858 (777) -90% Investments - net 2,083,779 1,132,883 9
Slide 19: Income Statement: Standalone
Income Statement : Standalone Rs. in Million US$ in Million Particulars Growth Jun'25 Jun'24 Variance Jun'25 Jun'24 Variance Mark-up and Interest Income 143,586 192,352 (48,766) 506 678 (172) -25% Mark-up and Interest Expensed 91,932 133,871 (41,939) 324 472 (148) -31% Net Mark-up and interest Incom
Slide 20: Income Statement: Consolidated
Income Statement : Consolidated Rs. in Million US$ in Million Particulars Growth Jun'25 Jun'24 Variance Jun'25 Jun'24 Variance Mark-up and Interest Income 143,648 192,415 (48,767) 506 678 (172) -25% Mark-up and Interest Expensed 91,922 133,892 (41,970) 324 472 (148) -31% Net Mark-up and interest Inc
Slide 21: 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 22: Contact Us
Contact Us Sikander Ali Khan Unit Head Strategic Planning, Finance +92-42-35880043 Ext: 32637 Investor.Relations@abl.com
Slide 23: Allied Bank - Tipu Block, New Garden Town, Lahore
Allied Bank 3 - Tipu Block, New Garden Town, Lahore Tel 92 42 3588 0043