Bank Of Bahrain And Kuwait B.s.c. · BAHRAIN:BBK
Bank Of Bahrain And Kuwait B.s.c — Q3 2025 Earnings Presentation
13 slides from Bank Of Bahrain And Kuwait B.s.c's earnings presentation, Nov 17, 2025
Slide 1: Investors' Conference Call
Investors’ Conference Call 17 November 2025, Kingdom of Bahrain
Slide 2: Corporate Governance updates
Corporate Governance updates
Slide 3: Board performance evaluation and independent directors
• The Board approved an enhanced performance evaluation process and an enhanced Directors’ development program. • We have surpassed our own internal targets for independent directors achieving 60% (6/10 Board members) and 100% non-executive Directors. BBK Investors’ Conference Call – Q3 2025
Slide 4: Sustainability
Sustainability
Slide 5: BBK's ESG Leadership Recognized Regionally and Globally
BBK's ESG Leadership Recognized Regionally and Globally ESG Ratings Improvement MSCI Rating Refinitiv Score/LSEG CSR Hub Rating BBB A 48 77 70 85 June 2025 Current Aug 2025 Current Aug 2025 Current Upgraded +29 +15 Awards & Recognition Most Improved ESG Report 2025 CX Award 2025 Top 50 Bahraini Comp
Slide 6: Environmental Progress, Workforce Excellence & Community Impact
Environmental Progress, Workforce Excellence & Community Impact Environmental Impact (Q3 2025 vs Q3 2024) Workforce Diversity & Development Community Impact Metrics 97% 100 Nationalization Rate Volunteering Hours 41.2% 2.81% Women Representation Community Investment (% of Revenue) 2% 31.5% 3% Total
Slide 7: Key Initiatives & Achievements – Q3 2025
Key Initiatives & Achievements – Q3 2025 Strategic & Sustainability Initiatives Employee Engagement & Development Community & Social Responsibility Innovation Summit on Social Housing Empowering Innovation: AI Workshops Ministry of Youth – Youth City Participated in the Innovation Summit promoting s
Slide 8: Financial Performance
Financial Performance
Slide 9: Financial Performance - Q3 2025
Financial Performance - Q3 2025 (BD Millions) 4% 30.7 29.5 10% 8% 19.3 17.6 17.9 16.5 Net Profit BD 18m 7% 10.7 9.9 70% 7.3 Increase by 8% 2.2 Net Interest Income Other Income Operating Expenses Net Provisions, taxes and NCI Net Profit Q3 2025 Q3 2024 BBK Investors’ Conference Call – Q3 2025
Slide 10: Financial Performance – YTD September 2025
Financial Performance – YTD 30 September 2025 (BD Millions) 7% 94.6 88.2 7% 7% 55.0 56.5 53.0 51.2 Net Profit 18% BD 57m 31.6 26.8 52% 17.2 Increase by 7% 8.3 Net Interest Income Other Income Operating Expenses Net Provisions, taxes and NCI Net Profit 30 Sep 2025 30 Sep 2024 BBK Investors’ Conferenc
Slide 11: Financial Position – September 2025
Financial Position – 30 September 2025 (BD Millions) 10% 4,597 4,193 5% 12% 2,534 2,411 To t a l A s s e t s 2,017 BD 4,597m 1,794 2% 632 621 Increase by 10% Loans and advances Total Assets Customer deposits Equity attributable to shareholders 30 Sep 2025 31 Dec 2024 BBK Investors’ Conference Call –
Slide 12: Indicators
Indicators Return on Average Equity* % Sep 2025 12.9 Dec 2024 11.7 Profitability Return on Average Assets* % 1.8 1.8 Earnings per share BHD 0.031 0.040 Cost/Income % 46.0 44.3 Specific Coverage Ratio % 68.9 65.1 Assets Quality ECL (Stage 1&2) Coverage Ratio % 1.2 1.4 Gross NPL/ Gross Loans % 4.1 4.2 C
Slide 13: Thank you
BBS Sug Soll g yall Sais Thank you
Bank of Bahrain and Kuwait B.S.C. — Q3 2025 Earnings Presentation on 6ix