Al Ansari Financial Services Pjsc · DFM:ALANSARI
Al Ansari Financial Services Pjsc — H1 2026 Earnings Presentation
15 slides from Al Ansari Financial Services Pjsc's earnings presentation, Aug 1, 2026
Slide 1: H1 2026 Financial Results Presentation
H1 2026 Financial Results Presentation
Slide 2: Disclaimer
Disclaimer The information contained herein has been prepared by Al Ansari Financial Services PJSC (the “Company” or the “Group”). The information contained in this presentation may not have been reviewed or reported on by the Company’s auditors. The company relies on information obtained from sourc
Slide 3: Table of Contents
Table of Contents 01 H1 2026 Highlights 02 Business Highlights ▪ Key Highlights ▪ Revenue Contribution by Geography ▪ Market Analysis 03 Financial Highlights 04 Dividend Distributions ▪ Income Statement Overview ▪ Historical Dividend Distributions ▪ Balance Sheet Overview ▪ Capex Business Model
Slide 4: H1 2026 Highlights
01 H1 2026 Highlights ▪ Key Highlights
Slide 5: H1 2026 Key Highlights
H1 2026 Key Highlights -0.5% Operating Income decreased by 0.5% YoY to AED 635.1 million, remaining resilient Operating Income across the majority of business lines, despite vs. H1’25 the overall adverse impact of the regional geopolitical tensions -15.4% EBITDA decreased by 15.4% YoY to AED 242.8 m
Slide 6: Business Highlights
02 Business Highlights ▪ Revenue Contribution by Geography ▪ Market Analysis
Slide 7: Revenue Contribution By Country
Revenue Contribution By Country H1’25 H1’26 3% <1% 2% <1% 6% 4% 91% 94% UAE Bahrain Kuwait India % Growth in Revenue
Slide 8: GCC Continues To Remain Robust Despite Global Headwind
GCC Continues To Remain Robust Despite Global Headwind GCC Economies Remain Resilient on All Fronts 3.1% 0.7% -0.6% 2.0% -0.5% 2.0% Encouraging Overall UAE GDP Growth in Total Overall Kuwait GDP Growth in Total Overall Bahrain GDP Growth in Total Macro Growth UAE Population Growth Kuwait Population
Slide 9: Financial Highlights
03 Financial Highlights ▪ Income Statement Overview ▪ Balance Sheet Overview ▪ Capex Business Model
Slide 10: Income Statement Overview
Income Statement Overview % % % AED’000 AED’000 Q2’26 Q2’25 Q1’25 H1’26 Q1’24 H1’25 change Change change Net gain on currency exchange 162,213 176,147 (7.9%) 322,193 321,015 0.4% Net commission income 151,532 168,013 (9.8%) 312,876 317,349 (1.4%) Operating income 313,745 344,160 (8.8%) 635,069 638,3
Slide 11: Balance Sheet Overview
Balance Sheet Overview AED’000 AED’000 Jun’26 Mar’25 Dec’25 Dec’24 % % Change Change Right of use assets 172,346 165,231 4.3% Property and Equipment 89,997 90,063 (0.1%) Intangibles 92,236 94,577 (2.5%) Cash in hand, Due from banks & exchange houses 4,353,749 3,840,384 13.4% Other assets¹ 323,175 24
Slide 12: Capex-light Business Model, Easy to Scale and Able to Deliver Strong Growth
Capex-light Business Model, Easy to Scale and Able to Deliver Strong Growth and Value to the Shareholders Current Assets and Capex(1) (AED’mn) Current Liabilities (AED’bn) Total capex as Net 2.0 2.0 % of Operating 2.7% 2.9% Income 4.5 4.0 19 17 Dec'25 Jun'26 -2.0 -2.5 Assets Liabilities H1'25 H1'26
Slide 13: Dividend Distributions
04 Dividend Distributions ▪ Historical Dividend Distributions
Slide 14: Dividend Distributions
Dividend Distributions Historical Dividends (AED’mn) Dividend Distribution 1,076 ▪ 2025: The Group has paid a dividend amount of AED 297.0 million for FY25, with AED 148.5 million paid in October 2025 and AED 148.5 million paid in April 2026 (2025 dividend translates to c. 74% of the FY25 net profit
Slide 15: Thank You
Thank You Dy Abo GLor ay yjlLio il AL ANSARI FINANCIAL SERVICES PLS.C
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