Al Ansari Financial Services Pjsc · DFM:ALANSARI

Al Ansari Financial Services Pjsc — 9M 2025 Earnings Presentation

15 slides from Al Ansari Financial Services Pjsc's earnings presentation, November 2025

  1. Slide 1: 9M 2025 Financial Results Presentation

    9M 2025 Financial Results Presentation

  2. 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

  3. Slide 3: Table of Contents

    Table of Contents 01 9M 2025 Highlights 02 Business Highlights ▪ 9M Key Highlights ▪ Revenue Contribution by Geography ▪ Market Analysis 03 Financial Highlights 04 Dividend Policy ▪ Income Statement Overview ▪ Dividend Policy ▪ Balance Sheet Overview ▪ Capex Business Model

  4. Slide 4: 9M 2025 Highlights

    01 9M 2025 Highlights ▪ Key Highlights

  5. Slide 5: 9M 2025 Key Highlights

    9M 2025 Key Highlights +13.0% Operating Income increased by 13.0% YoY to AED 966m, Operating Income attributed to an increase across the vs. 9M’24 majority of business lines and the consolidation of BFC Group +8.8% EBITDA increased by 8.8% YoY to EBITDA AED 423 million with an EBITDA vs. 9M’24 Margi

  6. Slide 6: Business Highlights

    02 Business Highlights ▪ Revenue Contribution by Geography ▪ Market Analysis

  7. Slide 7: Revenue Contribution By Country

    Revenue Contribution By Country 9M’24 9M’25 3% 1% 7% 89% 100% UAE Bahrain Kuwait India % Growth in Revenue

  8. 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 4.8% 2.9% 2.6% 2.0% 2.9% 2.5% Encouraging Overall UAE GDP Growth in Total Overall Kuwait GDP Growth in Total Overall Bahrain GDP Growth in Total Macro Growth Expected UAE Population Growth Expected Ku

  9. Slide 9: Financial Highlights

    03 Financial Highlights ▪ Income Statement Overview ▪ Balance Sheet Overview ▪ Capex Business Model

  10. Slide 10: Income Statement Overview

    Income Statement Overview % % % AED’000 AED’000 Q3’25 Q3’24 Q1’25 9M’25 Q1’24 9M’24 change Change change Net gain on currency exchange 180,810 138,403 30.6% 501,825 403,934 24.2% Net commission income 146,725 149,611 (1.9%) 464,074 451,135 2.9% Operating income 327,535 288,014 13.7% 965,899 855,069

  11. Slide 11: Balance Sheet Overview

    Balance Sheet Overview AED’000 Sep’25 Dec’24 % Change AED’000 Mar’25 Dec’24 % Change Right of use assets 171,319 95,868 78.7% Property and Equipment 89,543 73,946 21.1% Intangibles 95,771 - - Cash in hand, Due from banks & exchange 3,940,930 2,894,414 36.2% houses Other assets¹ 263,930 167,037 58.0%

  12. 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 1.6 1.9 % of Operating 2.8% 3.1% Income 4.1 3.0 30 24 Dec'24 Sep'25 -1.4 -2.2 Assets Liabilities 9M'24 9M'25

  13. Slide 13: Dividend Policy

    04 Dividend Policy ▪ Dividend Policy

  14. Slide 14: Dividend Policy

    Dividend Policy Historical Dividends (AED’mn) Dividend Policy 1,076 ▪ Minimum dividend of 70% of the net profit after tax generated and paid on a semi-annual basis (in April and October of each year) 600 Dividend Distribution ▪ H1 2025: The Group has paid an interim 327 315 276 dividend amount of AE

  15. Slide 15: Thank You

    Thank You Dy Abo GLor ay yjlLio il AL ANSARI FINANCIAL SERVICES PLS.C

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