Allied Bank Limited · PSX:ABL
Allied Bank — Q1 2019 Earnings Presentation
20 slides from Allied Bank's earnings presentation, Mar 31, 2019
Slide 1: Allied Bank Limited Investor Presentation
Allied Bank Limited Investor Presentation For The Period Ended March 31, 2019 1
Slide 2: Contents
INVESTOR PRESENTATION – March 2019 Contents Description Slide No. Introduction 3 Major Highlights- Balance Sheet – Total Assets 4 Major Highlights – Balance Sheet – Total Liabilities 5 Major Highlights – Income Statement 6 Investments 7 Advances & Asset Quality 8 Deposits 9 Key Ratios 10 Corporate G
Slide 3: Allied Bank
INVESTOR PRESENTATION – March 2019 ABL Asset Management Co. Ltd. Holding:100% Subsidiary Bahrain WBU On-site;1,095 Export Processing Off-site;302 Zone Overseas ATMs: 1,397 Branches Domestic Branches;1,345 (Incld. 117 Islamic Br.) Allied Domestic Bank Rep Offices UAE-Dubai & China-Beijing Branches AA
Slide 4: Major Highlights – Balance Sheet: Total Assets
INVESTOR PRESENTATION – March 2019 MAJOR HIGHLIGHTS – BALANCE SHEET Total Assets Fall Rise • Total Assets Rs.1,242 Billion (decline by 8%); Total industry assets declined by 5% • Net advances stood at Rs. 421 Billion. • Lending to FI grew by 2.1 times • Re-profiling of investments in rising interest
Slide 5: Major Highlights – Balance Sheet: Total Liabilities
INVESTOR PRESENTATION – March 2019 MAJOR HIGHLIGHTS – BALANCE SHEET Total Assets Fall Rise • Total Liabilities Rs.1,135 Billion • Deposits crossed 1,000 billion mark; CASA Mar’19: 79% (Dec’18: 82%) • Total Equity at Rs.108 billion (US$ 764 Million) • CAR: 22.8% as at March 2019; Industry CAR Decembe
Slide 6: Major Highlights
INVESTOR PRESENTATION – March 2019 MAJOR HIGHLIGHTS PAT PAT Fall PAT Rise • 8% Growth in PAT (before super tax charge); 1.3% Growth in PAT (after regular super tax charge) • PAT at Rs.2,985 million: EPS Rs. 2.61 • Growth in Net Interest Income by 20%; Fee & Commission income increased by 20%; Foreig
Slide 7: Investments
INVESTOR PRESENTATION – March 2019 INVESTMENTS Rs. in Million Composition Mar-19 Dec-18 Var. Growth Mar-19 Dec-18 Pakistan Investment Bonds 71,751 64,695 7,056 11% 15% 10% Market Treasury Bills 343,339 543,455 (200,116) -37% 73% 82% Listed and Unlisted Shares 26,369 26,428 (59) 0% 6% 4% TFCs, Bonds,
Slide 8: Advances & Asset Quality
INVESTOR PRESENTATION – March 2019 ADVANCES & ASSET QUALITY Market Share: 6% • Gross Advances reached Rs. 437 billion ( 4%) (Industry growth 0.08%) • Net ADR Ratio reached 42% (Industry ADR 54%) • NPLs at Rs.15.7 billion ( 2.3%) • NPL ratio 3.6% ( 0.5%) (Industry Dec’18: 8.0%) • NPL coverage 98% ( 1
Slide 9: Deposits
INVESTOR PRESENTATION – March 2019 DEPOSITS Market Share 7.5% Industry Growth 1% Rs. In Billion Mar-19 Dec-18 Growth Current 369 364 1% Saving 424 445 -5% Term 214 176 22% Total Deposits 1,008 984 2%
Slide 10: Key Ratios
INVESTOR PRESENTATION – March 2019 Key Ratios ABL Industry Mar'19 Dec'18 Dec'2018 ROA (%) 1 1 1 ROE (Tier I) (%) 14 16 12 Capital Adequacy Ratio (%) 23 22 16 Channels 9 New ATMs Mar-19 Dec-18 Growth Total Branches 1,345 1,345 - Conventional 1,226 1,226 - Islamic 117 117 - Total ATMs 1,397 1,388 9 On
Slide 11: Corporate Governance & Ratings
INVESTOR PRESENTATION – March 2019 Corporate Governance & Ratings RATING RATING TYPE RATING RATING INDICATION AGENCY A very low expectation of credit risk emanating AAA (Long Term) from a very strong capacity for timely payment Entity Rating PACRA of financial commitments and not being A1+ (Short Te
Slide 12: Stock Market Data
INVESTOR PRESENTATION – March 2019 Stock Market Data Pakistan Stock Exchange Code ABL Bloomberg Code ABL PA Shares Outstanding (mln) 1,145.07 Market Capitalization (Rs. bln) 124 Market Capitalization (US$ mln) 879.27 Current Stock Price* *108.04 12M High/Low 114/93 *Stock Price as at March 31, 2019
Slide 13: Awards & Achievements
INVESTOR PRESENTATION – March 2019 AWARDS & ACHIEVEMENTS Best Bank for CSR – Pakistan 6th FPCCI Achievement Best Bank in Pakistan Award 2018 Award 2018 - Commercial Best Corporate Report by Euromoney Banks Awards by ICAP/ICMAP – 2nd position Top Issuer of PayPak Debit Corporate Excellence Award Card
Slide 14: Annexures
INVESTOR PRESENTATION – March 2019 Annexures
Slide 15: Income Statement – Standalone
INVESTOR PRESENTATION – March 2019 Income Statement – Standalone Annexure A Rs. in Million US$ in Million Growth Mar-19 Mar-18 Var. Mar-19 Mar-18 Var. Mark-up/ interest Income 24,344 15,674 8,670 173 111 62 55% Mark-up/ interest Expensed 14,759 7,662 7,097 105 54 50 93% Net Mark-up/ interest Income
Slide 16: Income Statement – Consolidated
INVESTOR PRESENTATION – March 2019 Income Statement – Consolidated Annexure A Rs. in Million US$ in Million Mar-19 Mar-18 Var. Mar-19 Mar-18 Var. Growth Mark-up/ interest Income 24,345 15,675 8,670 173 111 62 55% Mark-up/ interest Expensed 14,759 7,662 7,097 105 54 50 93% Net Mark-up/ interest Incom
Slide 17: Statement of Financial Position – Standalone
INVESTOR PRESENTATION – March 2019 Statement of Financial Position – Standalone Annexure B Rs. in M illion US$ in M illion Growth ASSETS Mar-19 Dec-18 Var. Mar-19 Dec-18 Var. Cash and Balances with 89,569 101,763 (12,194) 636 722 (87) -12% Banks Lending to FIs 165,740 53,786 111,954 1,176 382 795 20
Slide 18: Statement of Financial Position – Consolidated
INVESTOR PRESENTATION – March 2019 Statement of Financial Position – Consolidated Annexure B Rs. in M illion US$ in M illion Growth ASSETS Mar-19 Dec-18 Var. Mar-19 Dec-18 Var. Cash and Balances with 89,561 101,753 (12,192) 636 722 (87) -12% Banks Lending to Fis 162,862 53,786 109,076 1,156 382 774
Slide 19: Disclaimer
INVESTOR PRESENTATION – March 2019 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 20: Thank You
INVESTOR PRESENTATION – March 2019 THANK YOU