Allied Bank Limited · PSX:ABL
Allied Bank — Investor Presentation (June 2026)
20 slides from Allied Bank's investor presentation, Jun 30, 2026
Slide 1: Investor Presentation June 30, 2026
INVESTOR PRESENTATION June 30, 2026
Slide 2: Contents
Contents 3 ABL at a Glance 13 Key Ratios 4 Digital Channels 14-17 Financial Highlights 5 Economic Highlights D 14-17 Disclaimer 6-11 Key Revenue Drivers 19 Contact Us 12 Stock Market Data D 20 Question & Answers
Slide 3: ABL At a Glance – June 2026
ABL At a Glance – June 2026 As on December 31, 2025 Rs. 3.7T Total Assets Increased by 11% in Q2 1,537 1,713 Total Branches Total ATMs Total Deposits Rs. 2.6T Increased by 12% in Q2 1,216 321 1,461 Islamic Conventional Onsite ATMs Total Accounts Branches 11 Mn+ Branches Increased by 7% in Q2 389 243
Slide 4: Digital Channels
Digital Channels 2.8+ Million icon 2.4 Million icon 3.9+ Million icon 2600+ Participants myABL App Registrations WhatsApp Banking Users Cards In Circulation Fintech Hackathon 20% year-on-year increase Pakistan's first WhatsApp bank Debit Cards 4th FinTech ABL Hackathon 92 : 08 icon 35 12,500 icon 49
Slide 5: Economic Highlights
Economic Highlights SBP Reserves (US$ Million) & Exchange Rate Workers Remmittances- US$ Million Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 SBP Reserves (US$ mil
Slide 6: Assets – Financial Position Highlights
ASSETS FINANCIAL POSITION HIGHLIGHTS Rs. in Billion ABL Industry TOTAL ASSETS Particulars Jun'26 Dec'25 Growth Growth Cash, Bank Balance & Lending to FI's 214 185 16% 9% Rs. 3,735 June 2026 Investments - Net 2,483 2,137 16% 12% ▲ 11% vs Dec’25 (Rs. 3,370) Advances - Net 757 790 -4% 8% Operating Fixe
Slide 7: Liabilities – Financial Position Highlights
LIABILITIES Rs. in Billion FINANCIAL POSITION HIGHLIGHTS ABL Industry TOTAL LIABILITIES Particulars Jun'26 Dec'25 Borrowings 723 644 Growth Growth 12% 13% Rs. 3,477 June 2026 Deposits and Other Accounts 2,618 2,346 12% 13% ▲ 12% vs Dec’25 (Rs. 3,107) Bills Payable & Other Liabilities 136 117 16% 6%
Slide 8: Income Statement
INCOME STATEMENT Rs. in Million PROFIT & LOSS HIGHLIGHTS NET INTEREST INCOME PROFIT BEFORE TAX PROFIT AFTER TAX Rs. 53,069 June 2026 Rs. 32,046 June 2026 Rs. 15,713 June 2026 ▲ 3% vs Jun’25 (Rs. 51,654) ▼ 13% vs Jun’25 (Rs. 36,970) ▼ 10% vs Jun’25 (Rs. 17,457) EPS reached 13.72, decreasing by 10%. P
Slide 9: Advances and Asset Quality
ADVANCES AND ASSET QUALITY Rs. in Billion 1,051 1,066 G RO SS ADV ANCES 7.00% Rs. 770 6.40% 857 5.85% 802 770 4.64% 666 3.54% 500 510 June 2026 389 454 3.17% 326 341 349 2.78% 4% down from 802 Billion 2.04% 1.53% 1.24% 1.22% 1.42% 1.53% from 2025 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 202
Slide 10: Deposits
DEPOSITS Rs. in Billion Particulars Jun' 26 Dec' 25 Var. Market Share: 6.4% Current 1,030 933 10% Saving 1,070 1,020 5% ABL CA Growth: 10% Term 519 393 32% Total Deposits 2,618 2,346 12% ABL CASA Mix: 80% 2,618 2,346 2,018 1,677 1,522 1,953 2,099 1,413 1,217 1,731 985 1,049 1,423 805 883 735 1,201 5
Slide 11: Investments
INVESTMENTS Rs. in Million Investments Jun'26 Dec'25 Var. Growth Pakistan Investment Bonds 1,692,711 1,423,278 269,432 19% Market Treasury Bills 313,545 413,555 (100,010) -24% Listed and Unlisted Shares 21,956 12,673 9,284 73% TFCs, Bonds, Sukuks and Mutual Funds 438,369 246,016 192,353 78% Subsidia
Slide 12: Stock Market Data
Stock Market Data Pakistan Stock Exchange Code: ABL ABL Stock Price vs Market - Trend 160% 140% Bloomberg Code: ABL PA 120% 100% Shares Outstanding (mln): 1,145.07 80% 60% Market Capitalization (Rs. bln): 203.479 40% 20% Market Capitalization (US$ mln): 733 0% Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-
Slide 13: Key Ratios
Key Ratios RETURN ON ASSETS RETURN ON EQUITY 2.00% 35.00% 1.78% 1.68% 29.40% 30.00% 26.01% 1.50% 25.00% 1.14% 0.96% 0.99% 18.41% 18.73% 0.89% 20.00% 16.46% 1.00% 15.71% 15.00% 0.50% 10.00% 2021 2022 2023 2024 2025 JUN-26 2021 2022 2023 2024 2025 JUN-26 CAPITAL ADEQUACY RATIO GROSS ADVANCES TO DEPOSI
Slide 14: Balance Sheet – Standalone
Balance Sheet – Standalone Rs. in Million US$ in Million ASSETS Growth Jun'26 Dec'25 Variance Jun'26 Dec'25 Variance Cash and Balances with Banks 213,267 184,861 28,406 767 664.58 102 15% Lending to FIs 600 - 600 2 - 2 100% Investments - net 2,482,584 2,137,087 345,497 8,925 7,683 1,242 16% Advances
Slide 15: Balance Sheet – Consolidated
Balance Sheet – Consolidated Rs. in Million US$ in Million ASSETS Growth Jun'26 Dec'25 Variance Jun'26 Dec'25 Variance Cash and Balances with Banks 213,387 185,064 28,323 767 665 102 15% Lending to FIs 600 - 600 2 - 2 100% Investments - net 2,486,200 2,140,315 345,885 8,938 7,695 1,243 16% Advances
Slide 16: Profit & Loss Statement – Standalone
Profit & Loss Statement – Standalone Rs. in Million US$ in Million Particulars Growth Jun'26 Jun'25 Variance Jun'26 Jun'25 Variance Mark-up and Interest Income 171,499 143,586 27,913 617 516 100 19% Mark-up and Interest Expensed 118,429 91,932 26,497 426 330 95 29% Net Mark-up and interest Income 53
Slide 17: Profit & Loss Statement – Consolidated
Profit & Loss Statement – Consolidated Rs. in Million US$ in Million Particulars Growth Jun'26 Dec'25 Variance Jun'26 Dec'25 Variance Mark-up and Interest Income 171,576 143,648 27,928 617 516 100 19% Mark-up and Interest Expensed 118,411 91,922 26,489 426 330 95 29% Net Mark-up and interest Income
Slide 18: 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 19: Contact Us
Contact Us Sikander Ali Khan Unit Head Strategic Planning, Finance +92-42-35880043 Ext: 32637 Investor.Relations@abl.com
Slide 20: Questions & Answers
THANKYOU ied Bank 2 Q 5 e 8 z i 2 Hy a 3 3 8 fa 8 3 ey ay i All 3