Allied Bank Limited reported earnings per share of PKR 30.72 in CY25, down 18% from PKR 37.65 in CY24. This translates into profit after tax of PKR 35.2 Bn compared to PKR 43.1 Bn in SPLY. The bank declared a dividend of PKR 16 per share in CY25, in line with PKR 16 in CY24.
Total income in CY25 reached PKR 133.6 Bn against PKR 143.2 Bn in CY24, a decrease of 7%. This was primarily driven by a 9% decrease in net mark-up income from PKR 115 Bn in CY24 to PKR 105 Bn in CY25. The bank saw its total deposits rise from PKR 2.02 Trn at the end of CY24 to PKR 2.34 Trn at the end of CY25, an increase of 16%.
The CASA ratio now stands at 83%. Investments stood at PKR 2.1 Trn at the end of CY25, up 89% from PKR 1.1 Trn at the end of CY24. Management highlighted that out of its investment portfolio, PKR 1.4 Trn is invested in PIBs and PKR 413 Bn in market treasury bills.
Out of the PIB portfolio, PKR 904 Bn is in floating rate instruments with a yield of 11.63% while the remainder is in fixed rate securities with a duration of 3-4 years and a yield of 11.4%. The bank’s cost to income ratio for CY25 stood at 49% compared to 39% in CY24. Capital Adequacy Ratio stood at 27.7% at end Dec-25, up from 26.7% at the end of CY24. Moving forward, the management believes that it is possible that SBP will hike the rate in its upcoming MPC meeting, given higher oil prices contributing to inflation. With regard to future plans the management highlighted that they plan to maintain deposit growth in line with industry growth with a special focus on low-cost deposits.
Important Disclosures
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