Bank Aljazira · TADAWUL:1020
Bank Aljazira — FY2025 Earnings Presentation
29 slides from Bank Aljazira's earnings presentation, Feb 12, 2026
Slide 1: Earnings Presentation FY 2025
Earnings Presentation FY 2025 February 12, 2026
Slide 2: Strong profitability, diversified revenue and a resilient growing balance sheet
Highlights Strategy & ESG Financials Guidance Appendix Strong profitability, diversified revenue and a resilient growing balance sheet Record full-year net income of 1.5 billion, up 22% YoY, with operating income rising Income Growth YoY FY’25 Net Margin FY’25 18%, driven by broad-based business g
Slide 3: Strategic progress
01. Strategic progress | Earnings Presentation | February 12, 2026 3
Slide 4: New brand marks strategic evolution
Highlights Strategy & ESG Financials Guidance Appendix New brand marks strategic evolution New brand identity introduced in 2026 highlights Aljazira Bank’s New brand positioning focuses on technology partnerships to deliver reinforcement of wealth management as a central pillar of more innovative an
Slide 5: Refreshed strategy focused on corporate partnerships and affluent retail
Highlights Strategy & ESG Financials Guidance Appendix Refreshed strategy focused on corporate partnerships and affluent retail Well-established boutique bank with strong upside potential in the growing Saudi market Mobile first, digitally enabled bank that blends physical and The Refreshed digital
Slide 6: Refreshed strategy is delivering consistent improvement across scale, profitability, efficiency, and risk
Highlights Strategy & ESG Financials Guidance Appendix Refreshed strategy is delivering consistent improvement across scale, profitability, efficiency, and risk Growing Scale Rising Profitability Enhanced Efficiency Improved Risk Metrics Total Assets (Bn) Operating Income (Bn) Fee to AEA (%) Stage
Slide 7: Transformation agenda continues to move forward in year 3 of our 5-year strategy
Highlights Strategy & ESG Financials Guidance Appendix Transformation agenda continues to move forward in year 3 of our 5-year strategy Corporate Segment Time Span for Transformation Initiatives Non-funded assets Activate & Enhance SME Proposition (AMAAL): 2024-2025 growth FY 2025 ✓ Achieved strong
Slide 8: Fully digitized franchise drives business growth
Highlights Strategy & ESG Financials Guidance Appendix Fully digitized franchise drives business growth Technology Achievements Retail Segment Core Transformation Completed: Digital Penetration ✓ Successfully delivered all core platforms: new Core Banking, Data Lake, CRM, 2025 Payment Hub, Private C
Slide 9: ESG Highlights
02. ESG Highlights | Earnings Presentation | February 12, 2026 9
Slide 10: ESG embedded across all operations
Highlights Strategy & ESG Financials Guidance Appendix ESG embedded across all operations Recycling Performance Reverse Vending Shredding Utility Bill “Go Green” Machine Project Reductions Campaign 6,105 kg E of plastics, cardboard and paper recycled, offsetting 7,120 kg of CO2 emissions, equal to 3
Slide 11: Financial Performance
03. Financial Performance | Earnings Presentation | February 12, 2026 11
Slide 12: Balance sheet | healthy asset growth and diversification of funding
Highlights Strategy & ESG Financials Guidance Appendix Balance sheet | healthy asset growth and diversification of funding Total Assets (Bn) segment 4Q 2025 Balance sheet growth driven by increase in financing funded by inflow of customer deposits and wholesale borrowings leading to a more diversif
Slide 13: Financing | diversified loan book, solid growth across all key products and client segments
Highlights Strategy & ESG Financials Guidance Appendix Financing | diversified loan book, solid growth across all key products and client segments 4Q 2025 4Q 2025 Financial composition Financing Movement (Bn) +14% Large corporates 3% Commercial 11% 110.9 Mid corporates 9.9 4.1 64.5% MSME 21% 36% 96
Slide 14: Investments | increase in fixed-rate assets helps mitigate interest rate risk
Highlights Strategy & ESG Financials Guidance Appendix Investments | increase in fixed-rate assets helps mitigate interest rate risk 4Q 2025 4Q 2025 Investments Movement YTD (Bn) Investments ( Bn) +7% +7% 36.4 36.7 37.4 38.1 39.0 3.7 39.0 36.4 (0.9) (0.3) 21.1 21.3 21.4 21.9 22.2 13.1 13.8 14.1 14
Slide 15: Liquidity | resilient funding base enables further growth
Highlights Strategy & ESG Financials Guidance Appendix Liquidity | resilient funding base enables further growth Total Liabilities Movement YTD ( Bn) 4Q 2025 Loans to Customers' Deposit Ratios (%) 4Q 2025 +9% 91.7% 90.8% 93.5% 96.1% 89.6% 7.2 0.6 144.1 131.7 4.6 72.4% 73.3% 73.8% 73.6% 72.7% +24% +
Slide 16: Deposits | robust customer franchise ensures reliable funding base
Highlights Strategy & ESG Financials Guidance Appendix Deposits | robust customer franchise ensures reliable funding base 4Q 2025 4Q 2025 Customers' Deposits ( Bn) Customers' Deposits Movement ( Bn) +7% +7% 108.2 109.6 114.2 115.3 115.4 2.5 7.2 115.4 48.6 47.5 48.4 48.0 48.0 108.2 (2.5) 60.2 61.1
Slide 17: Income Statement | excellent top-line performance results in 22% YoY net income growth
Highlights Strategy & ESG Financials Guidance Appendix Income Statement | excellent top-line performance results in 22% YoY net income growth 4Q 2025 Quarterly Net Income (Mn) Net income rose by 22% benefiting from strong top-line performance and positive operating jaws +29% Net financing and inves
Slide 18: Net financing & investment income | NIM remained resilient amid market pressure
Highlights Strategy & ESG Financials Guidance Appendix Net financing & investment income | NIM remained resilient amid market pressure 4Q 2025 4Q 2025 Net Financing & Investment Income Movement YoY ( Mn) Quarterly Net Margin (%) +14% 6.17% 6.04% 5.89% 5.81% 5.82% 814 3,000 4.38% 4.16% 4.34% 4.19%
Slide 19: Fee & other income | high growth rate makes it sizeable contributor to bottom line
Highlights Strategy & ESG Financials Guidance Appendix Fee & other income | high growth rate makes it sizeable contributor to bottom line Fee & Other Income Movement ( Mn) 4Q 2025 Net Fee Income From Banking Non-Funded Exposure ( Bn) 4Q 2025 4Q 2025 Services Movement ( Mn) +28% +22% +33% 30 20.1
Slide 20: Operating Income | Cost-to-income ratio improved on strong positive jaws
Highlights Strategy & ESG Financials Guidance Appendix Operating Income | Cost-to-income ratio improved on strong positive jaws Quarterly Total Operating Income ( Mn) 4Q 2025 Quarterly Operating Expenses ( Mn) 4Q 2025 Operating Jaws 4Q 2025 +22% +9% 18.1% 1,185 13.3% 1,079 1,102 1,098 967 10.4% 9.
Slide 21: Credit quality | Cost of Risk remains moderate while NPL ratio dropped
Highlights Strategy & ESG Financials Guidance Appendix Credit quality | Cost of Risk remains moderate while NPL ratio dropped Cost of Risk* (%) 4Q 2025 NPL Coverage Ratio NPL Ratio and Stage 3 Share (%) 4Q 2025 4Q 2025 3.45% 3.06% 3.16% 0.32% 0.38% 0.38% 0.29% 0.36% 2.22% 2.26% 186% 1.21% 1.44% 1.47
Slide 22: Capitalization | reinforced capital base positions the Bank to pursue profitable growth
Highlights Strategy & ESG Financials Guidance Appendix Capitalization | reinforced capital base positions the Bank to pursue profitable growth 4Q 2025 4Q 2025 Capital Ratios (%) Capital Adequacy Ratio Movement (%) 19.1% 19.9% 18.0% 18.1% 17.9% +192 bps 15.6% 15.9% 15.7% 17.0% 17.8% 0.3% 1.4% 2.6% 19
Slide 23: Profitability | returns continued to improve, EPS 23% up in 2025
Highlights Strategy & ESG Financials Guidance Appendix Profitability | returns continued to improve, EPS 23% up in 2025 4Q 2025 4Q 2025 EPS () ROAE (%) 9.08% 9.29% 8.92% 9.11% 1.00 8.30% 0.81 0.69 7.28% 7.96% 8.14% 7.81% 7.68% Normalized ROAE: 7.56%* 17% +23% ROAE ROAE before zakat and tax 2023 202
Slide 24: Segments | healthy business mix with all segments fairly contributing to net result
Highlights Strategy & ESG Financials Guidance Appendix Segments | healthy business mix with all segments fairly contributing to net result 4Q 2025 4Q 2025 Total Assets Movement (Bn) Total Assets Composition (%) 0.2% +11% Corporate 2.0 0.8 0.01 165.9 5.8 3% 8.1 Retail 149.1 Treasury 31% 35% Brokerag
Slide 25: Guidance
Highlights Strategy & ESG Financials Guidance Appendix Guidance Guidance Metric FY 2025 Actual FY 2025 Guidance FY 2026 Guidance Drivers Financing growth with guidance +14% (low teens) High-single digit Growth moderation versus 2025 is in line with market trend and designed to preserve net interest
Slide 26: Q&A
Q&A | Earnings Presentation | February 12, 2026 26
Slide 27: Appendix
Appendix | Earnings Presentation | February 12, 2026 27
Slide 28: Connect with us
Highlights Strategy & ESG Financials Guidance Appendix Connect with us Investors Relations Contacts Latest Reports IR@aljazirabank.com.sa Annual Report 2024 Sustainability Report 2024 Visit our IR website for more investor's disclosures: (Click Here) • Data Supplements • Basel III disclosure • Earni
Slide 29: Forward - looking statements
Forward - looking statements Aljazira Bank (ajb) prepared this presentation on a All statements included in this presentation other than Accordingly, no representation or warranty, express or implied, proprietary basis as general background information statements of historical facts, including, with