Allied Bank financial results for the nine months ended 30 September 2026 show profit after tax of Rs23,052 million, compared with Rs25,874 million in the same period of 2025—an 11% decline. Profit before tax was Rs47,181 million, 14% lower than Rs54,815 million a year earlier.
Income, costs and the bottom line
Mark-up and interest income rose 18% to Rs260,813 million, helped by higher average volumes of mark-up-bearing assets. Mark-up and interest expense rose faster—26% to Rs180,930 million—on higher borrowing costs, deposit costs and interest on right-of-use assets. Net mark-up and interest income still edged up 2% to Rs79,883 million.
Fee income increased 5% to Rs12,332 million, with gains in card-related fees, card acquiring and branch banking fees partly offset by lower remittance and investment-banking commissions. Dividend income rose 38% to Rs2,659 million. Capital gains fell to Rs1,797 million from Rs2,550 million. Foreign-exchange income was up 4% at Rs4,578 million, while other income jumped 223% to Rs1,666 million. Non-mark-up income overall rose 9% to Rs23,033 million.
Operating expenses grew 13% to Rs55,650 million as the bank expanded branches and upgraded technology; management said cost controls, automation and digital work limited that rise.
Balance sheet, network and capital
As of 30 September 2026, deposits were Rs2,591 billion, up 10% from end-2025. Gross advances were Rs819 billion and net advances Rs807 billion, each about 2% above December 2025 levels. Investments rose 3% to Rs2,205 billion. Total assets reached Rs3,533 billion, up 5%; net assets were Rs254 billion, down from Rs263 billion at end-2025.
The infection ratio (a measure of non-performing loans relative to advances) was 1.39%, slightly better than 1.42% at end-2025. Coverage stood at 106.2%. Return on assets was 0.9% and Return on Equity Tier 1 was 15.2%. The Capital Adequacy Ratio (CAR)—capital held against risk-weighted assets—was 23.89%, well above the 11.5% regulatory minimum.
The branch network comprised 1,546 outlets: 941 conventional, 583 Islamic and 22 digital, backed by 2,013 ATMs and 499 cash deposit machines.
Aasan alfaaz mein
Allied Bank ka tax ke baad munafa 30 September 2026 tak ke nau mahine mein Rs23,052 million raha. Yeh pichle saal ke isi daur se 11 percent kam hai. Deposits aur assets barhe hain, aur branches aur ATMs ka network bhi wusat rakhta hai. Is update se aap ko bank ki maaliati soorat-e-haal ka andaaza milta hai; saving account ke profit rates is bayan mein shamil nahi.
