Slide 1: Investor Presentation Q3 2025
INVESTOR PRESENTATION Q3 2025 November 2025 | BinDawood Holding
Slide 2: Disclaimer
DISCLAIMER This presentation has been prepared for information and background purposes only. It has not been independently verified, and no representation or warranty, express or implied, is made as to the fairness, accuracy, completeness or correctness of the information contained herein, and no re
Slide 3: Today's Presenters
TODAY’S PRESENTERS Ahmad AR. BinDawood Muhammad Salim Patka Hassan Javaid Chief Executive Officer Chief Financial Officer Director Finance and Head of Investor Relations INVESTOR PRESENTATION | Q3 2025 and 9M 2025 3
Slide 4: About the Company
ABOUT THE COMPANY BinDawood Holding (Tadawul: 4161 and the Company or BDH), a retail conglomerate, which includes a distribution segment supporting its supply chain, integrates information technology solutions into its core operations and strategically acquires companies to enhance its market positi
Slide 5: About the Company
ABOUT THE COMPANY Retail Tech via Future Tech Retail (FTR) • Ykone: Headquartered in Paris, Ykone is a global leader in influencer marketing services. Offering comprehensive solutions in strategy, talent management, content production, and monitoring, it serves leading brands worldwide, including th
Slide 6: BDH's Key Wins & Growth Strategy
BDH’s Key Wins & GROWTH STRATEGY
Slide 7: BDH's Key Wins During 9M 2025
BDH’s KEY WINS DURING 9M 2025 OPERATIONAL STRATEGY 4,678.1 mn (+10.0%) Expansion and Integration of Zahrat • Opened 5 new standalone stores and 14 integrated stores within BinDawood Revenue (SAR) & Holding. YoY growth % in 9M’25 • 50 to 70 more integrated stores are planned to be rolled out over the
Slide 8: Well-Defined Growth Strategy
WELL-DEFINED GROWTH STRATEGY Retail Grocery Retail Tech Distribution Ykone Improving the Achieving full potential • Enhancing distribution, supply chain Continuous store Drive market growth through new performance of the for under-performing control, and vertical integration to existing stores expan
Slide 9: BDH at a Glance
BDH at a Glance BDH Universe Retail Grocery Retail Tech via FTR IACo ➢ 2 unique hypermarket/supermarket brands ➢ 2 new brands launched to roll-out express stores 2 45 Aggregator Unique online grocery 1st mover Mature in- Mega Dark Store Vast network of Online stores agreements with ➢ Multiple store
Slide 10: Geographical Coverage
GEOGRAPHICAL COVERAGE Ykone BINDAWOOD DANUBE RETAIL PHARMA BINDAWOOD FRANCHISE Qatar Map Ykone has Saudi Map Bahrain Map presence in 13 countries World Map 102 56 33 13 191 176 14 1 and 18 Cities (worldwide) Hyper Super Express TOTAL Standalone stores Integrated stores online stores TOTAL markets ma
Slide 11: CEO Message
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Slide 12: CEO Message
CEO MESSAGE “BinDawood Holding delivered a strong performance in the first nine months of 2025, achieving 12.3% revenue growth in Q3 and 10% year-to-date, alongside a gross margin improvement from 32.5% to 33.8%. The core grocery business showed YoY growth of 1% in revenue and 1.4% in gross margin i
Slide 13: Trading Update
imegla oa DAWOOD agli TRADING UPDATE
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Slide 15: Revenue Bridge: 9M'2025 vs 9M'2024
REVENUE BRIDGE: 9M’2025 VS 9M’2024 9M 2025 Revenue: SAR 4,678.1 million, up 10% Distribution: from SAR 4,252.1 million in 9M 2024. • Growth driven by: • Growth driven by: Grocery Retail: Tech Business: • distribution integration; and Future Retail Tech (FTR): • New store openings (9M 2025) and full-
Slide 16: Revenue by Subsidiaries & Online vs Offline
REVENUE BY SUBSIDIARIES & ONLINE vs OFFLINE Revenue by Segments – 9M 2025 Contribution of IACo Online, Ykone, Retail Pharma and 1.4% Distribution to total BDH’s performance It represents 6.6% 7.6% the data for 5.8% the period 6.6% Feb-Sep 5.3% 2025 Distribution No comparatives was acquired acquired
Slide 17: Transactions and Basket Size
TRANSACTIONS AND BASKET SIZE Transactions in Thousands Basket Size in (SAR) Retail Retail Retail Retail Pharma Grocery 4.2% Pharma Grocery 2.1% 7.9% -1.0% 46,751 48,733 86.3 -3.1% 84.5 -2.6% 85.4 6.7% -1.5% 7.6% 81.1 81.9 81.1 80.1 79.1 1.3% 78.6 78.0 15,915 16,984 15,774 15,540 15,062 16,209 3,544
Slide 18: 9M 2025 Trading Update: Gross Profit
9M 2025 TRADING UPDATE Gross Profit Margin & Gross Profit (SARm) 1,893.8 1,809.8 1,582.7 1,381.0 32.3% 33.4% 32.5% 33.8% 528.7 480.4 533.3 520.7 451.0 449.5 31.6% 33.9% 36.2% 33.0% 34.0% 30.6% 36.2% 36.0% 32.8% 32.6% 31.8% 29.3% Q1'24 Q1'25 Q2'24 Q2'25 Q3'24 Q3'25 9M'24 9M'25 FY 23 FY 24 • In Q3’25,
Slide 19: 9M 2025 Trading Update: Adjusted EBITDA and Net Income
9M 2025 TRADING UPDATE Adjusted CFO/Adjusted EBITDA Net Income (SARm) 9M 24 9M’25 FY’23 FY’24 275.1 280.2 142% 67% 94% 112% Adjusted EBITDA (SARm) 820.7 847.6 170.6 633.0 156.4 593.5 4.9% 4.9% 14.6% 14.9% 14.0% 13.5% 4.0% 3.3% 7.7% 3.9% 17.8% 13.1% 15.4% 15.9% 14.8% 15.4% 12.3% 14.8% 12.1% 12.3% 15.
Slide 20: Trade Working Capital
Trade Working Capital (SARm) NWC/ NWC/ 9.6% 8.5% 4.9% Sales 5.3% 4.2% 5.3% Sales Ratio Ratio Retail Grocery Holding NWC/ NWC/ 41.5% 39.3% 42% Sales 51.5% 47.3% 36.3% Sales Ratio Ratio Retail Pharma Distribution 20
Slide 21: Inventory & Payable Days
Inventory & Payable Days Retail Grocery Retail Pharma 110 256 239 242 104 103 101 102 95 102 75 58 Inventory days Payable Days Inventory days Payable Days FY'24 H1'25 9M'25 FY'24 H1'25 9M'25 Tech Segment 237 Distribution 145 220 125 187 113 99 98 78 8 6 5 Inventory days Payable Days Inventory days P
Slide 22: Future Outlook & Growth Drivers
FUTURE OUTLOOK & GROWTH DRIVERS
Slide 23: Future Outlook & Growth Drivers
FUTURE OUTLOOK & GROWTH DRIVERS INVESTMENT IN RETAIL ECOSYSTEM empowers us to thrive and deliver exceptional outcomes. ORGANIC GROWTH ORGANIC GROWTH MARGIN GROWTH INORGANIC 1/2 2/2 MARKET SHARE GROWTH Retail Grocery Retail Tech via FTR • Cost optimization includes Retail (Grocery & Pharma) • Investm
Slide 24: Why Own BinDawood Stock Now – The Consumer Powerhouse
Why Own BinDawood Stock Now – The Consumer Powerhouse ORGANIC GROWTH ORGANIC GROWTH MARGIN GROWTH INORGANIC 1/2 2/2 GROWTH Strengthened ESG Margin Expansion Digital Leadership Diversification Momentum • Integration Synergies: • Omni-Channel Pioneer: Early GCC Expansion Profile • Diversified Platform
Slide 25: Appendix
Bin aglaw DAWOOD HOLDING 4a2laJl a» Wher. _—"| : oe e aa Appendix
Slide 26: Financial Performance
FINANCIAL PERFORMANCE Concise Profit & Loss Core 9M 2024 9M 2025 YoY achievements Sales 4,252.1 4,678.1 10.0% Gross Profit 1,381.0 1,582.7 14.6% ❖ Improvement of sales densities across all segments Gross margin % 32.5% 33.8% +136Bps ❖ Higher margins among the industry peers SG&A 1,146.9 1,339.1 16.8
Slide 27: Shareholder Structure
SHAREHOLDER STRUCTURE Free Float, 22.3% Al-Ati Holding Company, 5% Abdullah Dawood BinDawood and Sons, 5.1% Akasiya Star Trading Company Ltd., 67.6% Akasiya Star Trading Company Ltd. Abdullah Dawood BinDawood and Sons Al-Ati Holding Company Free Float 27
Slide 28: Thank You
THANK YOU BinDawood Holding Headquarters, KSA Al-Madinah Al-Munawarah Rd, Al Naeem, Jeddah 21530 P.O. Box 51190 JEDDAH-21543 +966 12 605 3557 INVESTOR ENQUIRIES: Hassan Javaid, (Head of Investor Relations) hassan.javaid@danube.com