Al Ansari Financial Services Pjsc · DFM:ALANSARI
Al Ansari Financial Services Pjsc — Q1 2026 Earnings Presentation
15 slides from Al Ansari Financial Services Pjsc's earnings presentation, May 2026
Slide 1: Q1 2026 Financial Results Presentation
Q1 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 Q1 2026 Highlights 02 Business Highlights ▪ 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
Slide 4: Q1 2026 Highlights
01 Q1 2026 Highlights ▪ Key Highlights
Slide 5: Q1 2026 Key Highlights
Q1 2026 Key Highlights +9.2% Operating Income increased by 9.2% YoY to AED 321.3 million, attributed to volume Operating Income growth across core products and the vs. Q1’25 consolidation of BFC Group results, offset by the adverse impact of the geopolitical tensions on anticipated operating income
Slide 6: Business Highlights
02 Business Highlights ▪ Revenue Contribution by Geography ▪ Market Analysis
Slide 7: Revenue Contribution By Country
Revenue Contribution By Country Q1’25 Q1’26 4% 1% 7% 88% 100% 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 Expected UAE Population Growth Expected
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 Q1’26 Q1’25 % change Net gain on currency exchange 159,979 144,868 10.4% Net commission income 161,344 149,336 8.0% Operating income 321,323 294,204 9.2% Interest and other income 5,326 8,021 (33.6%) Salaries and benefits (149,941) (124,664) 20.3% Other oper
Slide 11: Balance Sheet Overview
Balance Sheet Overview AED’000 AED’000 Mar’26 Mar’25 Dec’25 Dec’24 % % Change Change Right of use assets 175,567 165,231 6.3% Property and Equipment 87,754 90,063 (2.6%) Intangibles 93,398 94,577 (1.2%) Cash in hand, Due from banks & exchange houses 3,842,649 3,840,384 0.1% Other assets¹ 260,656 245
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 1.9 % of Operating 1.7% 2.1% Income 4.0 4.0 7 5 Dec'25 Mar'26 -2.0 -2.1 Assets Liabilities Q1'25 Q1'26 Fr
Slide 13: Dividend Policy
04 Dividend Policy ▪ Dividend Policy
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 ▪ 2025: The Group expects to pay a dividend amount 327 315 276 297 of AED
Slide 15: Thank You
Thank You Dy Abo GLor ay yjlLio il AL ANSARI FINANCIAL SERVICES PLS.C
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