ABL

⚡ Flash Summary

Allied Bank Limited (ABL) has announced a board meeting scheduled for December 11, 2025, to review the bank’s budget for the year 2026. The meeting, to be held in Lahore, will address matters beyond the usual financial statements or results. ABL has also declared a “Closed Period” from December 4 to December 11, 2025, in compliance with PSX regulations, restricting directors, CEO, and executives from trading the bank’s shares during this time. This announcement is primarily procedural, ensuring compliance and transparency in the budgeting process.

📌 Key Takeaways

• 🗓️ Board meeting scheduled for December 11, 2025, at 11:00 AM in Lahore.
• 🏦 Meeting purpose: Review of Allied Bank’s budget for 2026.
• 📄 Matters to be discussed are beyond regular financial statements.
• 🔒 “Closed Period” declared from December 4 to December 11, 2025.
• 📜 Restriction on trading by directors, CEO, and executives during the closed period.
• 🇵🇰 Compliance with Clause 5.6.4 of PSX Regulations.
• 💼 Notification to TRE Certificate Holders of the Exchange.
• ✉️ Announcement made by Adeel Javaid, Company Secretary & Chief, Corporate Affairs Group.
• 🏢 Head office located at 3-4 Tipu Block, Main Boulevard, New Garden Town, Lahore.
• 🌐 Website: www.abl.com
• 📞 Contact: +92-423-5880043
• ⚠️ The closed period prevents insider trading during sensitive budget review.
• 🗓️ The budget review for 2026 will set the financial targets and strategies for the coming year.
• 📍 The meeting location is Lahore.

🎯 Investment Thesis

Given the announcement’s procedural nature and lack of financial specifics, a HOLD recommendation is appropriate. The budget review for 2026 is a key event but its impact is currently unknown. Awaiting further financial releases and strategic updates is advisable.

⚡ Flash Summary

On October 24, 2025, Allied Bank disclosed transactions by a Director and an Executive under PSX Regulation 5.6.4. Mr. Aamir bought 500 shares at PKR 188.06 on October 13, 2025, and sold them on October 14, 2025, at PKR 193.99. An Executive bought 2,000 shares at PKR 206.00 and sold them at PKR 208.00, both on October 20, 2025. These transactions resulted in a change in the number of shares held, with cumulative shareholding percentages remaining minimal.

📌 Key Takeaways

• 💼 Director Mr. Aamir bought 500 shares at PKR 188.06 on October 13, 2025.
• 📉 Mr. Aamir sold 500 shares at PKR 193.99 on October 14, 2025, realizing a short-term gain.
• 👨‍💼 An Executive bought 2,000 shares at PKR 206.00 on October 20, 2025.
• 💸 The Executive sold 2,000 shares at PKR 208.00 on the same day, October 20, 2025.
• 📅 All transactions occurred in October 2025.
• 📜 The transactions were conducted under PSX Regulation 5.6.4.
• 📊 The form of share certificate used was CDS (Central Depository System).
• 📈 Market type for all transactions was ‘Ready’.
• ➡️ All transactions were executed on the Ready market.
• 👤 The disclosure includes transactions by a Director and an Executive.
• 🔢 The cumulative shareholding percentage remains at 0.0000% for Mr. Aamir after the buy and sell.
• ✅ The Executive’s cumulative shareholding moved from 0.0002% to 0.0000% after the sale.

🎯 Investment Thesis

Based on the disclosed transactions, a HOLD recommendation is appropriate. The trading activities by the Director and Executive do not provide sufficient evidence to warrant a BUY or SELL decision. The transactions appear to be isolated and do not reflect significant changes in company outlook or insider sentiment. The price target remains unchanged, with a time horizon aligned with the existing investment strategy.

⚡ Flash Summary

Allied Bank Limited (ABL) announced its financial results for the third quarter and nine months period ended September 30, 2025. The bank declared an interim cash dividend of PKR 4.00 per share, bringing the total interim dividend to PKR 12.00 per share (120%). ABL’s financial statements, including the statement of financial position and the profit and loss statement, show significant numbers for the period. The share transfer books will be closed from November 4, 2025, to November 6, 2025.

📌 Key Takeaways

• 💰 Allied Bank declared an interim cash dividend of PKR 4.00 per share (40%) for Q3 2025.
• dividends 🏦This is in addition to already paid interim dividend(s) of PKR 8.00 per share (80%).
• 🗓️ The announcement pertains to the financial results for the period ended September 30, 2025.
• 🗓️ The Board of Directors’ meeting was held on October 23, 2025, to approve these results.
• 📑 Statements of Financial Position, Profit or Loss, Changes in Equity, and Cash Flows are included.
• 🗓️ The recommended entitlement will be paid to shareholders appearing in the Register of Members on November 3, 2025.
• 🏦 Share transfer books will be closed from November 4 to November 6, 2025.
• 🏢 Transfer requests must be received by CDCSRSL by the close of business on November 3, 2025.
• 📊 The Quarterly Financial Statements will be transmitted through PUCARS within the specified time.
• 🏢 Allied Bank’s Head Office is located in Lahore.
• 🌐 More information is available on the website: www.abl.com.

🎯 Investment Thesis

Based on the information available, a HOLD recommendation is appropriate. The decline in profitability and EPS is concerning, but the bank maintains a strong asset base and liquidity position. More detailed analysis is required to arrive at a clearer investment recommendation. Price target is not possible at this time. Further analysis of annexures required.

⚡ Flash Summary

On October 24, 2025, Allied Bank disclosed transactions by a Director and an Executive under PSX Regulation 5.6.4. Mr. Aamir bought 500 shares at PKR 188.06 on October 13, 2025, and sold them on October 14, 2025, at PKR 193.99. An Executive bought 2,000 shares at PKR 206.00 and sold them at PKR 208.00, both on October 20, 2025. These transactions resulted in a change in the number of shares held, with cumulative shareholding percentages remaining minimal.

📌 Key Takeaways

• 💼 Director Mr. Aamir bought 500 shares at PKR 188.06 on October 13, 2025.
• 📉 Mr. Aamir sold 500 shares at PKR 193.99 on October 14, 2025, realizing a short-term gain.
• 👨‍💼 An Executive bought 2,000 shares at PKR 206.00 on October 20, 2025.
• 💸 The Executive sold 2,000 shares at PKR 208.00 on the same day, October 20, 2025.
• 📅 All transactions occurred in October 2025.
• 📜 The transactions were conducted under PSX Regulation 5.6.4.
• 📊 The form of share certificate used was CDS (Central Depository System).
• 📈 Market type for all transactions was ‘Ready’.
• ➡️ All transactions were executed on the Ready market.
• 👤 The disclosure includes transactions by a Director and an Executive.
• 🔢 The cumulative shareholding percentage remains at 0.0000% for Mr. Aamir after the buy and sell.
• ✅ The Executive’s cumulative shareholding moved from 0.0002% to 0.0000% after the sale.

🎯 Investment Thesis

Based on the disclosed transactions, a HOLD recommendation is appropriate. The trading activities by the Director and Executive do not provide sufficient evidence to warrant a BUY or SELL decision. The transactions appear to be isolated and do not reflect significant changes in company outlook or insider sentiment. The price target remains unchanged, with a time horizon aligned with the existing investment strategy.

⚡ Flash Summary

ABL announced: Board Meeting. Basic analysis suggests neutral sentiment. Professional review recommended.

📌 Key Takeaways

• ABL made announcement: Board Meeting
• Automated analysis: HOLD signal detected
• Signal strength: 5/10
• This is basic analysis – manual review recommended
• Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for ABL. Manual verification required.

⚡ Flash Summary

Allied Bank Limited (ABL) announced the sad demise of Sheikh Mukhtar Ahmad Sahab, a Sponsor Director of the bank, on October 10, 2025. The announcement was made via a notification to the Pakistan Stock Exchange Limited. The communication, issued by Adeel Javaid, Company Secretary & Chief Corporate Affairs Group, conveys the bank’s deep sadness and informs the TRE Certificate Holders of the Exchange accordingly. This event might have sentimental, but unlikely material financial impact on the bank.

📌 Key Takeaways

• 📌 Sheikh Mukhtar Ahmad Sahab, a Sponsor Director of Allied Bank Limited, has passed away.
• 📅 The announcement was made on October 10, 2025.
• 🏢 The notification was sent to the Pakistan Stock Exchange Limited.
• 👤 Adeel Javaid, Company Secretary & Chief Corporate Affairs Group, issued the notice.
• 📜 The announcement informs TRE Certificate Holders of the Exchange.
• 🙏 The bank expresses deep sadness regarding the demise.
• 🌐 The information is also available on the bank’s website: www.abl.com.
• 🇵🇰 Allied Bank Limited is a major player in the Pakistani banking sector.
• 💼 Sponsor Directors typically hold significant equity in the company.
• 💔 The demise may have an emotional impact on the bank’s leadership and staff.
• 📈 However, it is unlikely to significantly impact the bank’s financial performance or operations.
• 🤔 Investors should monitor any subsequent announcements or board changes.
• 📰 No immediate action (buying or selling) is warranted based solely on this information.

🎯 Investment Thesis

Given the nature of the announcement (demise of a Sponsor Director) which has no direct financial impact on ABL, a HOLD recommendation is appropriate. The bank’s underlying fundamentals remain the primary driver of its valuation. While the event may have a temporary sentimental impact, it does not warrant a change in investment strategy. Price target remains unchanged. Time horizon: Medium Term.