Allied Bank Limited · PSX:ABL
Allied Bank — Investor Presentation (September 2026)
20 slides from Allied Bank's investor presentation, Sep 30, 2026
Slide 1: Investor Presentation September 30, 2026
INVESTOR PRESENTATION September 30, 2026
Slide 2: Contents
Contents 3 ABL at a Glance 13 Key Ratios 4 Digital Channels 14-17 Financial Highlights 5 Economic Highlights 18 Disclaimer 6-11 Key Revenue Drivers 19 Contact Us 12 Stock Market Data 20 Question & Answers
Slide 3: ABL At a Glance – September 2026
ABL At a Glance – September 2026 As on December 31, 2025 Rs. 3.5T Total Assets Increased by 5% in Q3 1,546 2,013 Total Branches Total ATMs Total Deposits Rs. 2.6T Increased by 10% in Q3 941 583 1,758 Islamic Conventional Onsite ATMs Total Accounts Branches 11.2 Mn+ Branches Increased by 8% in Q3 267
Slide 4: Digital Channels
Digital Channels 2.9+ Million icon 2.5 Million icon 3.9+ Million icon 2600+ Participants myABL App Registrations WhatsApp Banking Users Cards In Circulation Fintech Hackathon 19% year-on-year increase Pakistan's first WhatsApp bank Debit Cards 4th FinTech ABL Hackathon 91: 9 icon 33 11,190 icon 499
Slide 5: Economic Highlights
Economic Highlights SBP Reserves (US$ Million) & Exchange Rate Workers Remmittances- US$ Million Sept-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sept-26 Sept-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sept-26 SBP Reserves (US$
Slide 6: Assets – Financial Position Highlights
ASSETS FINANCIAL POSITION HIGHLIGHTS Rs. in Billion ABL Industry TOTAL ASSETS Particulars Sep'26 Dec'25 Cash, Bank Balance & Lending to FI's 227 185 Growth Growth 23% 8% Rs. 3,533 September 2026 Investments - Net 2,205 2,137 3% 6% ▲ 5% vs Dec’25 (Rs. 3,370) Advances - Net 807 790 2% 9% Operating Fix
Slide 7: Liabilities – Financial Position Highlights
LIABILITIES Rs. in Billion FINANCIAL POSITION HIGHLIGHTS ABL Industry Particulars Sep'26 Dec'25 TOTAL LIABILITIES Growth Growth Borrowings Deposits and Other Accounts 573 2,591 644 2,346 -11% 10% 2% 13% Rs. 3,279 September 2026 Bills Payable & Other Liabilities 115 117 -2% 21% ▲ 6% vs Dec’25 (Rs. 3,
Slide 8: Income Statement – Profit & Loss Highlights
INCOME STATEMENT Rs. in Million PROFIT & LOSS HIGHLIGHTS NET INTEREST INCOME PROFIT BEFORE TAX PROFIT AFTER TAX Rs. 79,883 September 2026 Rs. 47,181 September 2026 Rs. 23,052 September 2026 ▲ 2% vs Sep’25 (Rs. 78,586) ▼ 14% vs Sep’25 (Rs. 54,815) ▼ 11% vs Sep’25 (Rs. 25,874) EPS reached 20.13, decre
Slide 9: Advances and Asset Quality
ADVANCES AND ASSET QUALITY Rs. in Billion 1,051 1,066 G RO SS AD V A N C E S 7.00% 6.40% 5.85% 4.64% 666 857 802 819 Rs. 819 3.54% 500 510 September 2026 389 454 3.17% 326 341 349 2.78% 2% up from 802 Billion from 2.04% 1.53% 1.24% 1.22% 1.42% 2025 1.39% 2014 2015 2016 2017 2018 2019 2020 2021 2022
Slide 10: Deposits
DEPOSITS Rs. in Billion Particulars Sep' 26 Dec' 25 Var. Market Share: 6.35% Current 981 933 5% ABL CA Growth: 5% Saving 1,053 1,020 3% Term 557 393 42% ABL CASA Mix: 78% Total Deposits 2,591 2,346 10% 2,591 2,346 2,018 1,677 1,413 1,522 1,953 2,034 1,217 1,731 985 1,049 805 883 1,423 735 1,201 515
Slide 11: Investments
INVESTMENTS Rs. in Million Investments Sep'26 Dec'25 Var. Growth Pakistan Investment Bonds 1,487,850 1,423,278 64,572 5% Market Treasury Bills 242,268 413,555 (171,287) -41% Listed and Unlisted Shares 26,256 12,673 13,583 107% TFCs, Bonds, Sukuks and Mutual Funds 446,158 246,016 200,143 81% Subsidia
Slide 12: Stock Market Data
Stock Market Data Pakistan Stock Exchange Code: ABL ABL Stock Price vs Market - Trend Bloomberg Code: ABL PA 160% 140% 120% Shares Outstanding (mln): 1,145.07 100% 80% 60% Market Capitalization (Rs. bln): 194,273 40% 20% Market Capitalization (US$ mln): 701 0% Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-
Slide 13: Key Ratios
Key Ratios RETURN ON ASSETS RETURN ON EQUITY 2.00% 35.00% 1.78% 1.68% 29.40% 30.00% 1.50% 26.01% 25.00% 1.14% 0.96% 0.99% 20.00% 18.41% 18.73% 0.89% 16.46% 1.00% 15.17% 15.00% 0.50% 10.00% 2021 2022 2023 2024 2025 SEP-26 2021 2022 2023 2024 2025 SEP-26 CAPITAL ADEQUACY RATIO GROSS ADVANCES TO DEPOSI
Slide 14: Balance Sheet – Standalone
Balance Sheet – Standalone Rs. in Million US$ in Million ASSETS Growth Sep'26 Dec'25 Variance Sep'26 Dec'25 Variance Cash and Balances with Banks 181,941 184,861 (2,920) 657 667.09 (11) -2% Lending to FIs 44,736 - 44,736 161 - 161 100% Investments - net 2,204,820 2,137,087 67,733 7,956 7,712 244 3%
Slide 15: Balance Sheet – Consolidated
Balance Sheet – Consolidated Rs. in Million US$ in Million ASSETS Growth Sep'26 Dec'25 Variance Sep'26 Dec'25 Variance Cash and Balances with Banks 182,115 185,064 (2,949) 657 668 (11) -2% Lending to FIs 44,736 - 44,736 161 - 161 100% Investments - net 2,208,693 2,140,315 68,378 7,970 7,724 247 3% A
Slide 16: Profit & Loss Statement – Standalone
Profit & Loss Statement – Standalone Rs. in Million US$ in Million Particulars Growth Sep'26 Sep'25 Variance Sep'26 Sep'25 Variance Mark-up and Interest Income 260,813 221,750 39,063 941 800 141 18% Mark-up and Interest Expensed 180,930 143,164 37,766 653 517 136 26% Net Mark-up and interest Income
Slide 17: Profit & Loss Statement – Consolidated
Profit & Loss Statement – Consolidated Rs. in Million US$ in Million Particulars Growth Sep'26 Dec'25 Variance Sep'26 Dec'25 Variance Mark-up and Interest Income 260,916 221,829 39,087 942 800 141 18% Mark-up and Interest Expensed 180,902 143,147 37,755 653 517 136 26% Net Mark-up and interest Incom
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 [email protected]
Slide 20: Allied Bank
Allied Bank 3- Tipu Block, New Garden Town, Lahore a Tek +92 42 3588 0043