National Bank Of Bahrain Bsc · BAHRAIN:NBB
National Bank Of Bahrain Bsc — National Bank of Bahrain — Q1 2025 Earnings Presentation
19 slides from National Bank Of Bahrain Bsc's earnings presentation, May 19, 2025
Slide 1: Investor Presentation Q1 2025
National Bank of Bahrain Group Investor Presentation Q1 2025 1
Slide 2: Financial Performance
Financial Performance NBB &
Slide 3: Financial Highlights
Financial Highlights Continued growth in Operating Income & Attributable Net Profit Operating Income Attributable Net Profit (BHD millions) (BHD millions) 56.3 60.1 50.0 28.1 27.5 22.4 13% 7% 23% 2% Q1 2023 Q1 2024 Q1 2025 Q1 2023 Q1 2024 Q1 2025 3
Slide 4: Income Statement
Income Statement Year-over-year reduction in Operating Expenses & double-digit growth in Other Income & Operating Profit BHD millions Q1 2023 Q1 2024 Q1 2025 36.7 33.3 33.4 34.3 29.5 30.2 27.7 27.7 26.7 26.8 25.8 23.0 22.3 10% 9% 19.6 16.7 20% 4% 6% 16% 20% 9% 17% 36% 0.6 0.8 -5.3 -2.6 -4.0 -0.1 Net
Slide 5: ECL Coverage
ECL Coverage Strong precautionary provision buffers built in previous years have been maintained in 2025 Cost of Risk Coverage Ratio Dec 2023 Dec 2024 Mar 2025 89.6% 95.7% 95.7% 0.52% 58.9% 48.8% 56.6% 0.33% 0.26% 16.8% 13.7% 16.0% 0.6% 0.5% 0.5% FY 2023 FY 2024 Q1 2025 Stage 1 Stage 2 Stage 3 Stage
Slide 6: Key Ratios
Key Ratios Strong & healthy return metrics ROE ROA 19.6% 14.2% 14.3% 2.1% 1.7% 1.5% FY 2023 FY 2024 Q1 2025 FY 2023 FY 2024 Q1 2025 6
Slide 7: Balance Sheet Highlights
Balance Sheet Highlights Diversified Balance Sheet & Total Assets reaching record level of almost BHD six billion Liabilities and Equity (BHD millions) Assets (BHD millions) Dec 2023 Dec 2024 Mar 2025 Dec 2023 Dec 2024 Mar 2025 5,942.4 5,522.2 5,372.5 3,864.6 3,743.8 3,504.8 3,020.0 3,004.8 2,535.1
Slide 8: Funding
Funding Growth in Customer Deposits from year-end levels Demand Deposits Time and Call Deposits (BHD millions) (BHD millions) 2,235.2 2,137.9 1,674.7 1,629.4 1,830.1 1,605.9 17% 5% 4% 1% Dec 2023 Dec 2024 Mar 2025 Dec 2023 Dec 2024 Mar 2025 8
Slide 9: Balance Sheet Metrics
Balance Sheet Metrics Capital & Liquidity positioned for growth NPL and Capital Dec 2023 Dec 2024 Mar 2025 Liquidity Dec 2023 Dec 2024 Mar 2025 344.7% 23.3% 21.5% 20.0% 287.6% 286.2% 14.0% 12.5% 137.1% 128.1% 129.7% 4.7% 5.4% 4.5% 4.4% 100% 3.8% 3.7% NPL Ratio Excl. NPL Ratio Incl. CAR Average Daily
Slide 10: Sustainability Highlights
Sustainability Highlights 10
Slide 11: NBB's Recognition by Regional & Global ESG Rating Agencies
Team NBB’s Remarkable Progress Has Earned The Recognition of Regional & Global ESG Rating Agencies As of 31st March 2025 ESG Score * 1st 1st Across All Sectors in Bahrain Amongst The Banking Services Sector in Bahrain 6th 1st Amongst The Banking Services Sector in MENA Across All Sectors in Bahrain
Slide 12: Key Highlights of NBB's Sustainability Journey: Customer Centricity
Key Highlights of NBB’s Sustainability Journey Sustainability Pillar: Customer Centricity Retail Digital Banking 40% Digital Banking Transactions 4%* Digitally Registered Retail Customers 91% of All New Accounts Were Opened Digitally 33% “New To Bank” Customers Onboarded Digitally 5%* Total Digital
Slide 13: Key Highlights of NBB's Sustainability Journey: Responsible Banking
Key Highlights of NBB’s Sustainability Journey Sustainability Pillar: Responsible Banking Sustainable Finance 16% Social Housing Programme Value Growth figures are compared to March 2024 13
Slide 14: Key Highlights of NBB's Sustainability Journey: Nurturing our Workforce
Key Highlights of NBB’s Sustainability Journey Sustainability Pillar: Nurturing our Workforce Talent Attraction, Engagement and Retention Equal and Fair Opportunity 6,984 Total Training Hours 7.7% Representation of Women in Senior Management 8.1 Average Training Hours per Employee 28% Representation
Slide 15: Key Highlights of NBB's Sustainability Journey: Community Investment
Key Highlights of NBB’s Sustainability Journey Sustainability Pillar: Community Investment Community Investment Hours Spent In Volunteering Activities Donations & Contributions To Engage With The Community BHD 1.2 Million 496 15
Slide 16: Key Highlights of NBB's Sustainability Journey: Preserving Natural Resources
Key Highlights of NBB’s Sustainability Journey Sustainability Pillar: Preserving Natural Resources Direct Environmental Footprint Climate Change 6% Energy Consumption 8% Scope 1 and Scope 2 GHG Emissions 12% Waste Recycling Ratio 20% Total Waste Growth figures are compared to March 2024 16
Slide 17: Key Highlights of NBB's Sustainability Journey: Governance and Ethical Behavior
Key Highlights of NBB’s Sustainability Journey Sustainability Pillar: Governance and Ethical Behavior Compliance and Ethical Behavior 41% of Employees Completed Anti-Money Laundering Training 42% of Employees Completed Privacy And Security Awareness Training 17
Slide 18: Disclaimer
Disclaimer THE INFORMATION SET OUT IN THIS PRESENTATION AND PROVIDED IN THE DISCUSSION SUBSEQUENT THERETO DOES NOT CONSTITUTE AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS SOLELY FOR USE AT AN INVESTOR OR AGENCY PRESENTATION AND IS PROVIDED AS INFORMATION ONLY. THIS PRESENTAT
Slide 19: NBB Closer to you
NBB Closer to you
National Bank of Bahrain — Q1 2025 Earnings Presentation on 6ix