Allied Bank Limited · PSX:ABL
Allied Bank — FY2025 Earnings Presentation
23 slides from Allied Bank's earnings presentation, Dec 31, 2025
Slide 1: Financial Presentation December 31, 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 : 1,674 Subsidiaries (100%Holding) On Site : 1,428 ABL Asset Management Co. Ltd. Off Site : 240 ABL Exchange (Private) Ltd. MBU : 6 Rep Office : 2 Entity Credit UAE - Dubai Rating Long Term: AAA CHINA - Beijing Short Term: A1+ Corporate Overseas Governance Rating Branches : 2 Bahra
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 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 2024-25 2023-24 Export & Import- US$ Million TD Trade Deficit & Current Account CAD 8,000 0 1400 7,00
Slide 5: Highlights Financial Position (Assets)
Highlights Financial Position (Assets) (Rs. in Billion) 4,000 1,007 1100 Net Advances 3,500 900 Net Investments Rs.790 3,000 700 Rs.2,137 2,500 500 2,000 300 1,500 -215 -262 23 3,370 100 2,817 Net Advances 1,000 89% -100 reached at Rs. 790 10% 500 -300 billion as on Dec 31, -54% -25% Net Investments
Slide 6: Highlights Financial Position (Liabilities)
Highlights Financial Position (Liabilities) (Rs. in Billion) Total Equity Deposits 327 Rs.263 182 Rs.2,346 15 CASA Dec’25 Stood 39% 16% 14% 3,107 at: 83%. Total Equity stood at 2,583 Rs. 263 billion; increased by 13% Deposits aggregated (Dec 2024: Rs. 234 to reached at Rs. billion) 2,346 billion; CA
Slide 7: Highlights Income Statement
Highlights Income Statement (Rs. in Million) Net Interest Income Profit before Tax 9,003 Rs. 74,209 4,931 Rs. 105,000 -10,223 576 -5,778 2% 16% 182% For the year ended, 43,116 35,175 Profit before Tax -13% Net Interest Income reached at Rs. 74,209 -9% (NII) stood at million, decreased by 16% Rs. 105
Slide 8: Investments
Investments (Rs. in Million) Investments Dec'25 Dec'24 Var. Growth Pakistan Investment Bonds 1,423,278 822,897 600,381 73% Market Treasury Bills 413,555 141,302 272,253 193% Listed and Unlisted Shares 12,673 10,323 2,349 23% TFCs, Bonds, Sukuks and Mutual Funds 246,016 135,892 110,124 81% Subsidiari
Slide 9: Advances & Asset Quality
Advances & Asset Quality NPLs (Rs. in Billion) Rs.11.37 Gross Advances • NPLs stood at Rs.11.37 billion Rs. 802 (12.5%↓) • NPL Ratio 1.42% (0.2%↑); • Industry Jun’25: Gross advances 6.1% stood at Rs. • Specific NPL 802 Coverage 96.22 billion (25%↓) % (1.3%↑) & (Industry Overall NPL Advances:10%↓) Co
Slide 10: Deposits
Deposits (Rs. in Billion) Particulars Dec' 25 Dec' 24 Var (%) Market Share: 6.5% Current 933 773 21% Industry Growth: 19% Saving 1,020 958 6% Term 393 288 37% ABL CASA Mix: 83% Total Deposits 2,346 2,018 16% 2,346 2,018 1,677 1,522 1,953 1,413 1,217 1,731 985 1,049 1,423 805 883 735 1,189 1,201 515
Slide 11: Digital Channels Digital Footprints
Digital Channels myABL Registered WhatsApp Users Users 2.1 Million 2.6 Million Cards In Circulation Digital Digital Touchpoints 3.9 Million Footprints 27 Social Media Followers YouTube 4.0 million Digital Vs Counter Facebook 2.2 million Transaction Instagram 0.1 million Digital: 90 % LinkedIn 0.5 mi
Slide 12: Branches and Network Outreach
Islamic Sub Conventional Branches Branches Branches Branches 1233 302 11 1535 Shariah Compliant Conventional Sub Branches Total Branches Branches Branches Global Digital Total ATMs Onsite ATMs Presence 02 Branches Representative 1674 1428 Office 21 Digital Total Automated Onsite Automated 02 Lounges
Slide 13: Key Ratios
Key Ratios ROA ROE 35.00% 2.00% 1.78% 29.40% 1.68% 30.00% 26.01% 1.50% 25.00% 1.17% 1.14% 18.41% 18.73% 1.00% 0.96% 0.99% 20.00% 18.75% 1.00% 16.24% 16.46% 15.00% 0.50% 2019 2020 2021 2022 2023 2024 2025 10.00% 2019 2020 2021 2022 2023 2024 2025 CAR GROSS ADR 30.00% 60.00% 56.33% 27.74% 26.21% 26.71
Slide 14: Stock Market Data
Stock Market Data Allied Bank Limited (ABL) Stock Price vs Market - Trend Pakistan Stock Exchange Code: ABL 140.0% 120.0% Bloomberg Code: ABL PA 100.0% 80.0% Shares Outstanding (mln): 1,145.07 60.0% Market Capitalization (Rs. bln): 209.284 40.0% 20.0% Stock Price as at Dec 31, 2025: Rs.182.77 0.0% D
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 • Caa1/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 Dec'25 Dec'24 Variance Dec'25 Dec'24 Variance Cash and Balances with Banks 184,861 156,732 28,129 660 560 100 18% Lending to FIs - 243,541 (243,541) - 869 (869) -100% Investments - net 2,137,087 1,129,874 1,007,
Slide 18: Statement of Financial Position : Consolidated
Statement of Financial Position : Consolidated Rs. in Million US$ in Million ASSETS Growth Dec'25 Dec'24 Variance Dec'25 Dec'24 Variance Cash and Balances with Banks 185,064 156,777 28,287 661 560 101 18% Lending to FIs - 243,541 (243,541) - 869 (869) -100% Investments - net 2,140,315 1,132,883 1,00
Slide 19: Income Statement : Standalone
Income Statement : Standalone Rs. in Million US$ in Million Particulars Growth Dec'25 Dec'24 Variance Dec'25 Dec'24 Variance Mark-up and Interest Income 297,228 376,760 (79,532) 1,061 1,345 (284) -21% Mark-up and Interest Expensed 192,228 261,537 (69,309) 686 934 (247) -27% Net Mark-up and interest
Slide 20: Income Statement : Consolidated
Income Statement : Consolidated Rs. in Million US$ in Million Particulars Growth Dec'25 Dec'24 Variance Dec'25 Dec'24 Variance Mark-up and Interest Income 297,322 376,907 (79,585) 1,057 1,340 (283) -21% Mark-up and Interest Expensed 192,218 261,543 (69,325) 683 930 (246) -27% Net Mark-up and interes
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