Allied Bank Limited recorded unconsolidated earnings per share of PKR 30.72 in CY25, down 18% from PKR 37.65 in CY24. The bank recorded net interest income of PKR 105 Bn during CY25, down 9% from PKR 115 Bn in CY24. ABL posted profit after tax of PKR 35.2 Bn in CY25, compared to PKR 43.1 Bn in CY24.
Total deposits grew 16% from PKR 2.0 Trn at Dec-24 to PKR 2.3 Trn at Dec-25. Current deposits grew by 21% during the year from PKR 773 Bn to PKR 933 Bn, while savings accounts grew by 6% from PKR 958 Bn to PKR 1,020 Bn. Current and savings accounts now stand at 83% of deposits. Moving forward, the management aims to achieve a minimum of 15% growth in current deposits as well as total deposits in CY26.
Total investments stood at PKR 2.1 Trn, up 89% from PKR 1.1 Trn at end Dec-24. The portfolio consists of PKR 1.4 Trn in PIBs, out of this 33% is in fixed rate products at an average yield of 11.5% and a duration of 2-3 years. T-Bills stood at PKR 413 Bn with a weighted average yield of less than 11%.
The bank has opened 25 new branches in 2025 taking the tally to 1,533. Moving forward, it aims to continue to convert branches to Islamic, with a target of converting 200+ branches in CY26. CAR stood at 27.70% at end Dec-25, compared to 26.70% at end CY24. Management apprised that this was far above the regulatory requirement in order to provide a buffer against any unforeseen shocks in the future. With regards to the policy rate, the management shared that the outlook was highly dependant on supply side factors which would determine the pace of inflation in the coming months.
Important Disclosures
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