Allied Bank Limited reported consolidated earnings per share of PKR 7.71 in 3QCY25, down 29% from PKR 10.84 in 3QCY24. This translates into profit after tax of PKR 8.8 Bn compared to PKR 12.4 Bn in SPLY. The bank declared a dividend of PKR 4 per share in 3QCY25, in line with PKR 4 in 3QCY24. Total revenue in 3QCY25 reached PKR 35.0 Bn against PKR 39.1 Bn in 3QCY24, a decrease of 11%.
This was primarily driven by a 15% decrease in net mark-up income from PKR 31.7 Bn in 3QCY24 to PKR 27.0 Bn in 3QCY25. The bank saw its total deposits rise from PKR 2.02 Trn at the end of CY24 to PKR 2.23 Trn at the end of 3QCY25, an increase of 10%. Current & savings accounts now stand at 85% of the bank’s deposit base. Going forward, the management expects the deposit growth of the first half to continue in the second half of CY25. In particular their focus will remain on enhancing low-cost deposits to increase net interest income.
Investments stood at PKR 2.04 Trn at Sep-2025, up 80% from PKR 1.13 Trn at the end of CY24. Management highlighted that out of its portfolio of investments about PKR 1.27 Trn in invested in PIBs and PKR 471 Bn in TBills. Out of the bank’s PIB holdings, 72% are floaters with a yield of about 12% and the remaining are fixed rate PIBs with yield of 8.6-13% and maturities from 2 to 14 years. The bank’s TBill portfolio has yields ranging from 10.7% to 13.1%/ The bank’s gross ADR stood at 30.1% as of Sep-2025, down from 52.8% as of Dec-2024. On the other hand, the CAR ratio improved to 31.2% as of Sep-2025 compared to 26.7% as of Dec 2025.
Moving forward, the management believes that the SBP is likely to slow down monetary easing with a maximum cut of 50 bps in the near future. They apprised that their focus for profitability will remain on increasing low-cost deposits and integration of technology and AI to modernize their operations.
Important Disclosures
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