Slide 1: Allied Bank Limited Investor Presentation
Allied Bank Limited Investor Presentation For The Nine Months Period Ended September 30, 2016
Slide 2: Major Highlights – Income Statement
INVESTOR PRESENTATION – September 2016 MAJOR HIGHLIGHTS – INCOME STATEMENT Rs. In Million Inc/(Dec) Sep-16 Sep-15 Rs. % Profit Before Tax 20,344 20,513 (169) -1% Profit After Tax 12,228 11,862 366 3% EPS - in Rs: per share 10.68 10.36 0.32 3% • MI inc. declined by Rs.4,029 M or 7% to Rs.49,991 M in-
Slide 3: Major Highlights – Balance Sheet
INVESTOR PRESENTATION – September 2016 MAJOR HIGHLIGHTS – BALANCE SHEET • Total Assets increased by 4% to Rs.1,030 Billion • 12% growth in Average earning assets compared to Sep’15; partially compensated for reduction in net spread amid falling average discount rate • Gross advances increased by Rs.
Slide 4: Statement of Financial Position – Standalone
INVESTOR PRESENTATION – September 2016 Statement of Financial Position – Standalone Rs. in M illion US$ in M illion ASSETS Sep-16 Dec-15 Var. Sep-16 Dec-15 Var. Growth Cash and Balances with Banks & Lending to FIs 79,400 64,145 15,255 758 612 146 24% Investments 561,315 544,349 16,966 5,359 5,197 16
Slide 5: Statement of Financial Position – Consolidated
INVESTOR PRESENTATION – September 2016 Statement of Financial Position – Consolidated Rs. in M illion US$ in M illion ASSETS Sep-16 Dec-15 Var. Sep-16 Dec-15 Var. Growth Cash and Balances with Banks & Lending to FIs 67,161 64,145 3,016 641 612 29 5% Investments 557,281 545,106 12,175 5,321 5,204 116
Slide 6: Investments
INVESTOR PRESENTATION – September 2016 INVESTMENTS Rs. in Million Composition Sep-16 Dec-15 Var. Growth Sep-16 Dec-15 Pakistan Investment Bonds 269,008 340,407 (71,399) -21% 50% 65% Market Treasury Bills 216,974 138,531 78,443 57% 40% 26% Listed and Unlisted Shares 26,270 25,259 1,011 4.0% 5% 5% TFC
Slide 7: Deposits
INVESTOR PRESENTATION – September 2016 DEPOSITS Market Share 7.2% 800 772 758 700 735 734 700 668 600 Deposits (Bln) 608 600 601 597 500 CASA (Bln) 515 539 544 500 486 400 400 400 417 356 300 300 200 289 200 100 100 - - 2011 2012 2013 2014 2015 Q1 Q2 Q3 2016 2016 2016 Total Deposits CASA (Incld. Cur
Slide 8: Advances & Asset Quality
INVESTOR PRESENTATION – September 2016 ADVANCES & ASSET Market Share: 7% QUALITY 380 8.0% 340 360 353 7.5% • Gross advances 300 7.2% 326 341 Rs. in Billion 324 285 7.0% increased by Rs.12 289 260 % 6.8% 7.0% billion. 6.5% 220 6.7% 6.4% • NPLs reduced to 180 6.0% 5.9% 5.9% Rs.20.7 billion at 140 5.5%
Slide 9: Income Statement – Standalone
INVESTOR PRESENTATION – September 2016 INCOME STATEMENT – Standalone Rs. in Million US$ in Million Sep-16 Sep-15 Var. Sep-16 Sep-15 Var. Growth Mark-up/ interest Income 49,991 54,014 (4,023) 477 516 (38) -7% Mark-up/ interest Expensed 24,045 27,239 (3,194) 230 260 (30) -12% Net Mark-up/ interest Inc
Slide 10: Income Statement – Consolidated
INVESTOR PRESENTATION – September 2016 INCOME STATEMENT - Consolidated Rs. in Million US$ in Million Sep-16 Sep-15 Var. Sep-16 Sep-15 Var. Growth Mark-up/ interest Income 49,994 54,016 (4,022) 477 516 (38) -7% Mark-up/ interest Expensed 24,044 27,236 (3,192) 230 260 (30) -12% Net Mark-up/ interest I
Slide 11: Key Ratios
INVESTOR PRESENTATION – September 2016 Key Ratios Annualized 2016 2015 Q3 Q2 Q1 Q1 Q2 Q3 Q4 ROA (%) 1.6 1.7 1.9 1.6 2.0 1.7 1.97 ROE (Tier I) (%) 23.0 24.5 27.6 23.3 27.0 23.1 26.7 Capital Adequacy Ratio (%) 21.9 21.30 20.93 20.85 19.68 21.93 20.83 Excluding impact of prior year tax charge EPS, ROA
Slide 12: Corporate Governance & Ratings
INVESTOR PRESENTATION – September 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
Slide 13: Stock Market Data
INVESTOR PRESENTATION – September 2016 Stock Market Data Pakistan Stock Exchange Code ABL Bloomberg Code ABL PA Shares Outstanding (mln) 1,145.07 Market Capitalization (Rs. bln) 112.41 Market Capitalization (US$ mln) 1,073.33 Current Stock Price* 98.17 12M High/Low 102.74 / 82.83 *Stock Price as of
Slide 14: Awards & Achievements
INVESTOR PRESENTATION – September 2016 AWARDS & ACHIEVEMENTS “Strongest Bank by Balance Sheet – 2015” “Best Investment Bank – 2014” Among Top 3 Primary Dealers during FY 15 2nd position for Corporate Finance House – 2015 Corporate Excellence Award 2015 by Management Association of Pakistan “Best Cor
Slide 15: Disclaimer
INVESTOR PRESENTATION – September 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 f
Slide 16: Thank You
INVESTOR PRESENTATION – September 2016 THANK YOU