Allied Bank Limited (ABL) Financial Statements, Ratios & Dividends
About
Allied Bank Ltd. engages in the provision of commercial banking services. It operates through the following segments: Corporate & Investment Banking, Trading & Sales, Commercial & Retail Banking, Islamic Banking, and Others. The Corporate & Investment Banking segment offers financial services to public and private sector entities, and also covers overseas operation of the bank. Its services include providing and arranging tenured financing, corporate advisory, underwriting, cash management, trade products, corporate finance products, and customer services on all bank related matters. The Trading & Sales segment undertakes the treasury, money market, and capital market activities of the bank. The Commercial & Retail Banking segment provides services to commercial and retail customers including agriculture sector, which includes loans, deposits, and other transactions. The Islamic Banking segment provides shariah compliant services to customers including loans, deposits, and other transactions. The Others segment includes functions which cannot be classified in any of the above segments. The company was founded in December 1942 and is headquartered in Lahore, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 327.55B | 405.32B | |
| Net Income | 36.33B | 44.39B | |
| EPS | 31.73 | 38.77 | |
| ROE | 14.33% | 20.38% | |
| ROA | 1.17% | 1.72% | |
| Net Margin | 26.84% | 30.87% | |
| Current Ratio | 0.13 | 0.13 | |
| DPS | 16.00 | 16.00 | |
| Free Cash Flow | 10.95B | 37.89B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 300.22B | 379.93B | |
| Total Interest Expense | -192.22B | -261.54B | |
| Net Interest Income | 108.01B | 118.38B | |
| Loan Loss Provision | 2.60B | -257.48M | |
| Net Interest Income after LLP | 110.60B | 118.12B | |
| Non-Interest Income | 27.33B | 25.40B | |
| Commissions & Fees | 16.52B | 14.08B | |
| Foreign Exchange Income | 5.19B | 6.69B | |
| Non-Interest Expense | -68.34B | -58.59B | |
| Labor & Personnel | -24.96B | -20.96B | |
| Total Revenue | 327.55B | 405.32B | |
| Operating Income | 69.59B | 84.93B | |
| Pre-Tax Income | 75.12B | 88.89B | |
| Income Tax | -39.46B | -45.32B | |
| Minority Interest | 0 | 0 | |
| Net Income | 36.33B | 44.39B | |
| EPS (Basic) | 31.73 | 38.77 | |
| EPS (Diluted) | 31.73 | 38.77 | |
| Non-Interest Income / Revenue | 20.19% | 17.66% | |
| Operating Margin | 51.42% | 59.07% | |
| Net Margin | 26.84% | 30.87% | |
| Pre-Tax Margin | 22.93% | 21.93% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 21.03% | 20.22% | |
| Tier 1 Capital Ratio | 21.03% | 20.22% | |
| Tier 2 Capital Ratio | 7.15% | 6.75% | |
| Total Capital Ratio | 28.17% | 26.97% | |
| Tier 1 Capital | 186.78B | 168.29B | |
| Risk-Weighted Assets | 888.27B | 832.15B | |
| Asset Quality | |||
| Non-Performing Loans | 22.74B | 25.99B | |
| NPL Ratio (NPL/Gross Loans) | 0.03% | 0.02% | |
| Loan Loss Coverage | -0.28% | 3.46% | |
| NPL / Loan Loss Reserve | 1.83 | 1.73 | |
| Reserve / Gross Loans | 0.02% | 0.01% | |
| Profitability | |||
| Return on Equity (ROE) | 14.33% | 20.38% | |
| Return on Assets (ROA) | 1.17% | 1.72% | |
| Operating Margin | 51.42% | 59.07% | |
| Net Margin | 26.84% | 30.87% | |
| Yield on Earning Assets | 11.18% | 17.44% | |
| Interest Income / Deposits | 5.24% | 6.72% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.65% | 0.68% | |
| Loans / Deposits (ADR) | 0.37% | 0.69% | |
| Loans / Total Assets | 0.24% | 0.47% | |
| Equity / Deposits | 0.12% | 0.12% | |
| Cash / Deposits | 1.04% | 0.67% | |
| CASA Ratio | 0.39% | 0.38% | |
| Per Share | |||
| Book Value Per Share | 234.81 | 208.06 | |
| Tangible Book Per Share | 230.87 | 204.88 | |
| Shares & Market | |||
| Total Shares Outstanding | 1,145,073,830 | 1,145,073,830 | |
| Market Cap | 209.29B | 157.87B | |
| Enterprise Value | 822.68B | 593.79B | |
| Employees | 13,526 | 13,670 | |
| Shareholders | 19,220 | 19,220 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 16.00 | 16.00 | |
| Dividend Yield | 8.75% | 11.61% | |
| Payout Ratio | 50.43% | 41.27% | |
| Total Dividends Paid | -18.27B | -18.26B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 5.76 | 3.56 | |
| P/B Ratio | 0.78 | 0.66 | |
| P/S Ratio | 1.55 | 1.10 | |
| P/CF Ratio | 6.52 | 2.58 | |
| Market Cap | 209.29B | 157.87B | |
| Enterprise Value | 822.68B | 593.79B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 355.87B | |
| Operating Income | 66.88B | |
| Net Income | 34.32B | |
| Free Cash Flow | 44.82B | |
| EPS (Basic) | 29.97 | |
| Margins | ||
| Operating Margin | 48.76% | |
| Net Margin | 25.02% | |
| Returns | ||
| Return on Equity (ROE) | 13.31% | |
| ROIC | 0.03% | |
| Coverage & Debt | ||
| Dividend Coverage | 0.99 | |
| Debt / Revenue | 2.52 | |
| Valuation & Scores | ||
| P/E (TTM) | 5.71 | |
| Sloan Ratio | 10.56 | |
| Zmijewski Score | 0.90 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 14.33% | |
| Return on Tangible Equity | 14.56% | |
| Return on Tangible Assets | 1.17% | |
| Return on Total Capital | 7.42% | |
| ROCE | 5.39% | |
| Growth | ||
| EPS Diluted Growth | -0.18% | |
| Sustainable Growth Rate | 7.10% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.84 | |
| Sloan Ratio | 14.73 | |
| Valuation (Computed) | ||
| Graham Number | 409.41 | |
| Tobin's Q Ratio | 0.06 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.74% | |
| Assets / Equity (Leverage) | 12.58 | |
| Effective Interest Rate | 8.92% | |
| Debt / Revenue | 2.40 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 2.30 | |
| Dividends (Computed) | ||
| Dividend Coverage | 1.55 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 10.01M | |
| Net Income / Employee | 2.69M | |
| Oper. Income / Employee | 5.14M | |
| Total Assets / Employee | 250.14M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||
| Next Earnings Date | 18 Feb 2027 | |
| Next Fiscal Period | 2026 | |