National Bank Of Fujairah · ADX:NBF
National Bank Of Fujairah — Investor Presentation (June 2026)
38 slides from National Bank Of Fujairah's investor presentation, June 2026
Slide 1: Investor Presentation
INVESTOR PRESENTATION For the period ended 30th June 2026 Classified as: NBF Internal Use
Slide 2: Disclaimer
DISCLAIMER The information contained herein has been prepared by National Bank of Fujairah PJSC (NBF). NBF relies on information obtained from sources believed to be reliable but does not guarantee its accuracy or completeness. This presentation has been prepared for informational purposes only and
Slide 3: Table of Contents
TABLE OF CONTENTS Content Page 1 National Bank of Fujairah Overview and Highlights 5 2 Digital Transformation Journey 7 3 Sustainability Initiatives 10 4 Strategic Partnerships, Community Engagement Activities and Awards 11 5 NBFs Outlook and Strategic Pillars 16 6 Organizational Structure 18 7 Fina
Slide 4: NBF: An Overview
NBF AN OVERVIEW Investor Presentation 4 Classified as: NBF Internal Use
Slide 5: Overview of National Bank of Fujairah
OVERVIEW OF NATIONAL BANK OF FUJAIRAH National Bank of Fujairah PJSC Overview Financial Highlights ▪ National Bank of Fujairah PJSC ("NBF“ or the “Bank") was established in AED Mn FY 2023 FY 2024 FY 2025 H1-26 Fujairah, UAE in 1982 by a decree issued by the Ruler of Fujairah, H.H. Sheikh Hamad bin M
Slide 6: H1-2026 Highlights of National Bank of Fujairah
H1-2026 HIGHLIGHTS OF NATIONAL BANK OF FUJAIRAH 1984 AED 1,381.2m 917 EMPLOYEES OPERATING INCOME 79% EMPLOYEE ENGAGEMENT SCORE (H1-2025: 1,359.7m) 40 NATIONALITIES AED 990.2m 15 49.8k OPERATING PROFIT BRANCHES CUSTOMERS (H1-2025: 994.2m) 2 SUBSIDIARIES 48.0% 42.5% 6 FEMALE Emiratisation REGULATORY 3
Slide 7: Digital Journey 2026 Milestones
DIGITAL JOURNEY 2026 MILESTONES Expanding Artificial Intelligence ATM/CCDM & Branch Augmenting Solutions Network Expanding our ATM/CDM Modern network more locations in Corporate IB Retail Emirates with additional Platform Mobile App Cards Portfolio Using Artificial payment services. Refresh Intellig
Slide 8: Digital Journey Looking Ahead in 2026
DIGITAL JOURNEY LOOKING AHEAD IN 2026 Modernised Corporate Internet Banking at your Fingertips – The Other Upcoming banking future of Digital Convenience Digital Initiatives • We are developing Open Banking We’re thrilled to announce the upcoming upgrade We understand that today’s banking needs spee
Slide 9: Digital Journey Looking Ahead in 2026
DIGITAL JOURNEY LOOKING AHEAD IN 2026 Expanding NBF’s reach across all Integrating Artificial Intelligence into Cards Portfolio emirates NBF ecosystem Enhancement Our ATM/CCDM expansion through the Lulu We’re embarking on a journey to build Artificial New credit/pre-paid card products being Exchange
Slide 10: Sustainability Progress and Next Steps
SUSTAINABILITY PROGRESS AND NEXT STEPS The UAE’s ambition to invest AED 600 billion in clean and renewable energy sources and commit to hitting net zero by 2050 OUR SUSTAINABILITY PILLARS KEY UPDATES Sustainability Update Prioritising Spearheading NBF published its Annual ESG Report for 2025. Key hi
Slide 11: NBF Strengthening Strategic Partnerships
NBF STRENGTHENING STRATEGIC PARTNERSHIPS STRATEGIC PARTNERSHIPS NBF and the Free Zones NBF and Al Ghaith Energy LLC NBF and Pure Baby Food NBF and Gemini Technical NBF and Nutridor Dairy Authority of Ajman Partnership Partnership Industries LLC under Barakat Industries SPC LLC Manufacturing LLC Part
Slide 12: Community Presence and Customer and People Engagement
COMMUNITY PRESENCE AND CUSTOMER AND PEOPLE ENGAGEMENT HCT career fair Make It In The Emirates (MIITE) ASEAN Business Council event NBF Knowledge Series Webinar Dubai Businesswomen Council (DBWC) Dubai Airport Free Zone (DAFZ) NBF Staff Bowling Tournament NBF Knowledge Series NBF Knowledge Series Dub
Slide 13: Community Presence and Customer Centric Campaigns
COMMUNITY PRESENCE AND CUSTOMER CENTRIC CAMPAIGNS Personal Banking – CASA Campaign Personal Banking - Joining Bonus Campaign Personal Banking Campaign Refer and Win FX Campaign VOX Cinemas Offer CASA - existing customers Business Banking Value Launch of NBF Thriwe Fixed deposit campaign Earn up to 2
Slide 14: Enhancing Physical and Digital Footprints
ENHANCING PHYSICAL AND DIGITAL FOOTPRINTS OUTDOOR MEDIA LIVE FROM APRIL TO JUNE 2026 RADIO PRESENCE Dubai – Sheikh Zayed Road Al Khail Road Amplifying NBF’s voice across the UAE through a curated selection of high-reach radio channels Fixed Deposit 4.6% Channel 4 City FM CASA Retail 6.25% Video Al A
Slide 15: Awards and Recognition
Best Cybersecurity AWARDS AND RECOGNITION and Risk Management Implementation Best Digital – MEA Finance Banking Solution Banking Most Innovative for SMEs – Here Technology Best SME Bank SME Best SME Bank Best Islamic to Stay Forum & Awards 2026 for Sustainable for Sustainable OnBoarding Finance – Ba
Slide 16: NBF's Outlook
NBF’S OUTLOOK NBF recorded year-on-year growth of 10.2% to close the six-month period at a net profit before tax of AED 757.1 million compared to AED 687.6 million in the corresponding period of 2025. Further, NBF posted its best ever net profit after tax for a half year, amounting to AED 688.9 mill
Slide 17: Strategic Pillars Supporting Our Vision
STRATEGIC PILLARS SUPPORTING OUR VISION Your financial partner focused on your business and personal needs. People Customer Efficiency and Governance and First Centricity Excellence Compliance Nurture a culture that Foster deep relationships Deliver superior Ensure strong optimizes people’s and leve
Slide 18: Our Organisational Structure
OUR ORGANISATIONAL STRUCTURE Board of Directors His Highness Shaikh Saleh Bin Mohamed Bin Hamad AlSharqi Chairman Dr. Raja Easa AlGurg Deputy Chairperson Shaikh Hamad Mr. Mohamed Mr. Ahmed Saeed Mr. Khalil Ebraheim Mr. Easa Farid Mr. Mohamed Dr. Abdulla Mr. Hussain Bin Saleh Bin Mr. Saif Sultan Obai
Slide 19: Financial Overview
FINANCIAL OVERVIEW Investor Presentation 19 Classified as: NBF Internal Use
Slide 20: Key Financials at a Glance
KEY FINANCIALS AT A GLANCE Assets Loans & Advances Customer Deposits AED Billion AED Billion AED Billion 71.2 37.5 51.7 69.4 36.1 51.0 60.9 32.4 45.8 51.7 38.6 47.6 26.9 27.9 35.7 2022 2023 2024 2025 H1-26 2022 2023 2024 2025 H1-26 2022 2023 2024 2025 H1-26 Shareholders’ Equity Operating Income Net
Slide 21: Key Performance Indicators at a Glance
KEY PERFORMANCE INDICATORS AT A GLANCE Return on Average Assets Return on Average Equity Cost to Income Ratio 1.9% 2.0% 1.5% 1.5% 16.5% 17.7% 31.9% 33.3% 11.7% 12.7% 30.6% 29.5% 0.8% 28.3% 5.9% 2022 2023 2024 2025 H1-26 2022 2023 2024 2025 H1-26 2022 2023 2024 2025 H1-26 Advances to Deposit CASA Mix
Slide 22: Operating Performance
OPERATING PERFORMANCE Key Highlights Operating Income Composition ▪ NBF reported its strongest half-year profit after tax on record, supported by robust AED Million performance across key financial and operational metrics. The results underscore the Funding Income Non Funding Income Bank’s resilient
Slide 23: Assets Composition
ASSETS COMPOSITION Key Highlights Assets and Advances Breakdown of Assets by Geographical Distribution ▪ Total assets increased by 2.6% to AED 71.2 billion, compared to AED Total Assets Advances 69.4 billion at the end of 2025. AED Million ▪ Loans and advances decreased by 3.5% from the 2025 year-en
Slide 24: Investment and Islamic Instruments
INVESTMENT AND ISLAMIC INSTRUMENTS Investments and Islamic Instruments by Ratings* Investments and Islamic Instruments** 30 June 2026 3.3% 0.4% AED Billion 7.5% 15.2% 21.3 18.5 17.2 16.6% 45.0% 8.1 6.3 7.0% 5.0% AAA AA AA- A+ A A- BBB+ Below BBB+ / Unrated 2022 2023 2024 2025 H1-26 Investments and I
Slide 25: Asset Quality
ASSET QUALITY Key Highlights Non-Performing Loans & NPL Ratio NBF continues to strengthen its credit underwriting standards and risk appetite framework to AED Million reflect the evolving operating environment. 4,000 14.0% 3,500 ▪ The aggregate mix of Stage 2 and Stage 3 Loans and Advances (includin
Slide 26: Liquidity
LIQUIDITY Key Highlights Liquid Assets ▪ NBF continues to maintain robust and high quality of liquidity levels commensurate to its AED Million Cash and balances with the UAE Central Bank** Due from banks and financial institutions* liquidity risk profile. 2024 2025 H1-26 1,686 Pure AD Ratio 70.8% 73
Slide 27: Funding Profile
FUNDING PROFILE Funding Mix Customer Deposits 30 June 2026 AED Million Demand and margin Savings Fixed term and notice Total 11.0% 11.0% Due to banks 50,981 51,708 3.7% 45,757 1.7% Customer deposits and Islamic 38,572 customer deposits 35,736 27,881 28,897 Term borrowings 25,968 19,563 22,670 1,156
Slide 28: Strong Capitalisation
STRONG CAPITALISATION Key Highlights Equity Breakdown Capital Base NBF remains well capitalised, with a Capital Adequacy Ratio of 17.4% AED Million AED Million and a Total Tier 1 Ratio of 16.3% as at 30 June 2026, well above the Share Capital Reserves Retained Earnings Tier 1 Capital Notes Total CET
Slide 29: Business Overview
BUSINESS OVERVIEW Investor Presentation 29 Classified as: NBF Internal Use
Slide 30: Overview of Business Segments
OVERVIEW OF BUSINESS SEGMENTS NBF offers a full range of products through five main business divisions ▪ The Corporate and Institutional Banking serves clients of a turnover above AED 400 million and includes certain Contribution to Assets Corporate and financial institutions transactions. 30 June 2
Slide 31: Corporate and Institutional Banking
CORPORATE AND INSTITUTIONAL BANKING Overview Gross Loans – Sector Breakdown ▪ The Bank’s CIB operations are split into three main ▪ The principal CIB products and services offered by the Bank 30 June 2026 Agriculture and allied activities sub-divisions: include: Banking & Financial Institutions 1. T
Slide 32: Business Banking
BUSINESS BANKING Overview Gross Loans – Sector Breakdown ▪ The Business Banking structure comprises of 30 June 2026 Agriculture and allied ▪ Business Banking activities ▪ SMEs 0.1% Construction & real estate 5.0% 14.5% ▪ Services Electricity, gas & water ▪ Equipment Finance 0.6% 39.0% 0.0% Governmen
Slide 33: Retail Banking
RETAIL BANKING Overview Gross Loans – Product Mix ▪ NBF’s retail banking segment offers a wide range of ▪ The principal retail client products and services 30 June 2026 products and services to individuals and high net offered by the Bank include: worth clients. 1.1% 0.4% Credit Card ▪ The Retail Ba
Slide 34: Treasury, ALM and Other
TREASURY, ALM AND OTHER Overview Operating Income Mix ▪ Treasury and ALM ▪ Trading & Market Risk Solutions 30 June 2026 ▪ Centralises and manages the Group's liquidity via an ▪ Provision of efficient & competitive FX Pricing 2.6% advanced ALM system. Solutions for NBF Clients through diverse channel
Slide 35: Islamic Banking
ISLAMIC BANKING Overview Gross Loans – Sector Breakdown ▪ The principal Sharia’a-compliant retail products and services offered by the NBF Islamic include: 30 June 2026 Electricity, gas & water Account Services ▪ Standard Current, Saving & Corporate Accounts Corporate Advisory, Syndications, Treasur
Slide 36: Appendix
APPENDIX Investor Presentation 36 Classified as: NBF Internal Use
Slide 37: IFRS 9 – Exposure and ECL Mix
IFRS 9 – EXPOSURE AND ECL MIX Overview ECL Mix ▪ The movement during H1 2026 was primarily driven by: (i) Changes in total outstanding exposures, including funded and unfunded balances and limit utilization. 60.3% 66.4% 63.5% 71.9% 68.0% (ii) Credit risk rating migrations during the period. (iii) Ch
Slide 38: Thank You!
THANK YOU! © 2026 National Bank of Fujairah. All rights reserved. The content herein has been prepared by National Bank of Fujairah PJSC (NBF). This is for your reading and reference only, it is prohibited without pre-approval of NBF to copy, share, or reproduce the content herein in any form. 38 Cl
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