Bank Aljazira · TADAWUL:1020
Bank Aljazira — 9M 2025 Earnings Presentation
28 slides from Bank Aljazira's earnings presentation, Nov 3, 2025
Slide 1: Bank AlJazira Earnings Presentation 9M 2025
Bank AlJazira Earnings Presentation 9M 2025
Slide 2: Strong profitability, diversified revenue and a resilient growing balance sheet
Highlights Highlights Strategy & ESG Financials Guidance Appendix Strong profitability, diversified revenue and a resilient growing balance sheet 1 Delivered strong financial results, with net income up 20% YoY to ¥ 1,143 Mn and operating income up 17%, driven by broad-based business growth, healthy
Slide 3: Strategic Progress
Strategic Progress
Slide 4: Our transformation agenda continues to move forward in year two of our 5-year strategy
Refreshed Strategy Highlights Strategy & ESG Financials Guidance Appendix Our transformation agenda continues to move forward in year two of our 5-year strategy The Refreshed Strategy Business Lines Vision Where are we heading? Corporate Retail Segment and sector focused CIBG: Bank-of-choice for aff
Slide 5: Strategic execution progresses across business lines and technology enablers
Strategy Progress Highlights Strategy & ESG Financials Guidance Appendix Strategic execution progresses across business lines and technology enablers Corporate Initiatives Achievements Non-funded assets segment Introduce new trade finance and Focus on cross selling products by actively targeting mid
Slide 6: Digitization driving business innovation
Digital Progress Snapshot Highlights Strategy & ESG Financials Guidance Appendix Digitization driving business innovation Key achievements Retail segment Digital A/C opened through Penetration mobile (%) 90% Successful digital launch of NAQA, enabling seamless access and enhancing deposit acquisit
Slide 7: ESG Highlights
Spal Clin > BANK ALJAZIRA
Slide 8: BAJ continues to deliver impactful ESG initiatives across its operations
ESG Highlights Highlights Strategy & ESG Financials Guidance Appendix BAJ continues to deliver impactful ESG initiatives across its operations Environmental Green Financing Recycling Performance Reverse Vending Machine Utility Bill Reductions Awards & Recognitions ¥ 1.46 Bn 3,445kg 44,829 Items recy
Slide 9: Financial Performance
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Slide 10: Balance Sheet: Summary & Total Assets
Balance Sheet: Summary & Total Assets Highlights Strategy & ESG Financials Guidance Appendix Balance sheet | Assets expanding by 10% YTD and 4% QoQ driven by financing growth Balance Sheet Total Assets (¥ Bn) 3Q 2025 Management commentary +10% The balance sheet witnessed 10% expansion during 9M 20
Slide 11: Financing increased 11% driven by both commercial and consumer loan growth
Balance Sheet: Financing Highlights Strategy & ESG Financials Guidance Appendix Financing | Financing increased 11% driven by both commercial and consumer loan growth Financing Composition (%) 3Q 2025 Financing Movement YTD (¥ Bn) 3Q 2025 +11% Large corporates 3.1% Commercial 10.7% Mid corporates 2.
Slide 12: Investments grew by 5% with the share of fixed-rate assets increasing
Balance Sheet: Investments Highlights Strategy & ESG Financials Guidance Appendix Investments | Investments grew by 5% with the share of fixed-rate assets increasing Investments Movement YTD (¥ Bn) 3Q 2025 Investments (¥ Bn) 3Q 2025 +5% +5% 3.2 36.7 37.4 38.1 36.3 36.4 38.1 36.4 (0.9) (0.6) 20.8 21.
Slide 13: Strong liquidity position to support future growth
Balance Sheet: Liabilities and Liquidity Highlights Strategy & ESG Financials Guidance Appendix Liquidity | Strong liquidity position to support future growth Total Liabilities Movement YTD (¥ Bn) 3Q 2025 Loans to Customers' Deposit Ratios (%) 3Q 2025 93.5% +8% 91.7% 90.8% 89.7% 89.6% 7.1 0.5 141.8
Slide 14: Deposit grew by 7% driven by time, savings and call deposits
Balance Sheet: Customers’ Deposits Highlights Strategy & ESG Financials Guidance Appendix Deposits | Deposit grew by 7% driven by time, savings and call deposits Customers' Deposits (¥ Bn) 3Q 2025 Customers' Deposits Movement YTD (¥ Bn) 3Q 2025 +7% +7% 114.2 115.3 6.7 3.2 115.3 103.3 108.2 109.6 108
Slide 15: 20% net income growth from top-line expansion and cost control
Income Statement: Summary & Net Income Highlights Strategy & ESG Financials Guidance Appendix Income Statement | 20% net income growth from top-line expansion and cost control Income Statement Quarterly Net Income (¥ Mn) 3Q 2025 Management commentary +20% Net income for 9M 2025 rose 20% YoY, from
Slide 16: Net financing & investment income up 17% from asset growth and margin expansion
Income Statement: Net Financing and Investment Income and Margin Highlights Strategy & ESG Financials Guidance Appendix Net financing & investment income | Up 17% from asset growth and margin expansion Net Financing & Investment Income Movement YoY (¥ Mn) 9M 2025 Quarterly Net Margin (%) 3Q 2025 +17
Slide 17: Fee & other income boosted by fees from banking services, exchange and dividend
Income Statement: Fee & Other Income Highlights Strategy & ESG Financials Guidance Appendix Fee & other income | Boosted by fees from banking services, exchange and dividend income Fee & Other Income Movement YoY (¥ Mn) 9M 2025 Net Fee Income From Banking Services Movement YoY (¥ Mn) 9M 2025 +15% +2
Slide 18: Cost-to-income ratio improving YoY on positive jaws
Income Statement: Operating Income & Expenses Highlights Strategy & ESG Financials Guidance Appendix Operating Income | Cost-to-income ratio improving YoY on positive jaws Quarterly Total Operating Income (¥ Mn) 3Q 2025 Quarterly Operating Expenses (¥ Mn) 3Q 2025 Operating Jaws 9M 2025 +8% +5% 16.6%
Slide 19: Financing impairments rose 12% from commercial, partly offset by recoveries
Credit Quality Highlights Strategy & ESG Financials Guidance Appendix Credit quality | Financing impairments rose 12% from commercial, partly offset by recoveries Cost of Risk* (%) 9M 2025 NPL Ratio and Stage 3 Share (%) 3Q 2025 NPL Coverage Ratio 3Q 2025 0.38% 0.38% 3.74% 3.45% 3.06% 3.16% 0.32% 0.
Slide 20: Capital ratios increased on T1 Sukuk issuance and net income
Capitalization Highlights Strategy & ESG Financials Guidance Appendix Capitalization | Capital ratios increased on T1 Sukuk issuance and net income, partially offset by RWA growth Capital Ratios (%) 3Q 2025 Capital Adequacy Ratio Movement YTD (%) 3Q 2025 19.1% 18.1% 18.0% 18.1% 17.9% +105bps 1.0% 0.
Slide 21: Profitability: Returns are improving
Profitability Highlights Strategy & ESG Financials Guidance Appendix Profitability | Returns are improving EPS (¥ ) FY 2024 ROAE (%) 9M 2025 9.29% 9.08% 8.92% 0.81 0.81 8.51% Normalized 8.30% 0.69 ROAE: 7.64%* 7.96% 8.14% 7.81% 7.45% 7.28% -14% +17% 2022 2023 2024 9M 24 FY 24 1Q 25 1H 25 9M 25 ROAE
Slide 22: Diverse mix with well-balanced growth across segments
Segmental Performance Highlights Strategy & ESG Financials Guidance Appendix Segments | Diverse mix with well-balanced growth across segments Total Assets Movement YTD (¥ Bn) 3Q 2025 Total Assets Composition (%) 3Q 2025 +10% Corporate 3.0% 0.2% 2.4 0.91 0.01 163.4 7.5 3.5 Retail 31.8% 35.5% 149.1 Tr
Slide 23: Guidance
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Slide 24: FY 2025 outlook revised to reflect the current market environment
Guidance Highlights Strategy & ESG Financials Guidance Appendix Guidance | FY 2025 outlook revised to reflect the current market environment Guidance Metric FY 2024 Actual 9M 2025 Actual FY 2025 Guidance Drivers Financing growth +20% +11% YTD Low teens Anticipate continued momentum in 4Q 2025, moder
Slide 25: Q&A
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Slide 26: Appendix
Spill lis BANK ALJAZIRA
Slide 27: Connect with us
Contacts Highlights Strategy & ESG Financials Guidance Appendix Connect with us IR Contacts Latest Reports IR email: IR@BankAlJazira.com Annual Report 2024 Sustainability Report 2024 Muhammad Majid Khan, Head of Investor Relations Direct: +966 (12) 609 8997 Email: MMKhan@BankAljazira.com Bank AlJazi
Slide 28: Disclaimer
Disclaimer Highlights Strategy & ESG Financials Guidance Appendix Disclaimer The Bank Aljazira (BAJ) prepared this presentation on a proprietary basis as general background information about the activities of BAJ. The information contained herein is given in summary form and for discussion purposes