Boursa Kuwait Securities Company (k.p.s.c) · KSE:BOURSA
Boursa Kuwait Securities Company (k.p.s.c) — Arzan Financial Group — FY2025 Earnings Presentation
27 slides from Boursa Kuwait Securities Company (k.p.s.c)'s earnings presentation, Apr 2, 2026
Slide 1: Annual Analyst Conference Transcript of FY2025
Arzan Financial Group For Financing & Investment K.P.S.C. GUloJI Uji dcgoro ed.pyb Lo Li__w ig J-_g_—_-o WU P0H143 Date: 06 April 2026 To: Boursa Kuwait Dear Sirs, Subject: Annual Analyst Conference Transcript of FY2025 In reference to the above, and in align with Arzan Financial Group for Finance a
Slide 2: Conference English Record: 02/04/2026
Conference English Record: 02/04/2026 , 1 PM Ahmed El-Shazly Good afternoon, everyone, and welcome to Arzan Financial Group’s YE 2025 results conference call. This is Ahmet El-Shazly from EFG Hermes and it's a pleasure to have with us on the call today from Arzan’s management Mr Mohammed Farid, CFO,
Slide 3: Transcript: Financial position and key ratios
impressive and indicates that the company has been able to capitalize on opportunities and demonstrate resilience and adaptability in its operations. Such a positive outcome reflects the management's strategic decisions and the company's ability to achieve targets effectively. Moving to The Financia
Slide 4: Transcript: Net profit and financial position
1. Net profit and earnings per share significantly increased by 65% and 63%, respectively, compared to the year ended 2024, due to an increase in the share of results of associates, indicating stability and sustainability in the company's performance. Net profit indicates that a company has maintain
Slide 5: Transcript: Book value, share price and income drivers
1. Book Value Per Share is 247 fils, an increase of 24% compared to the year ended 2024. 2. Price to Book Value is 1.438, a 9% increase compared to the year ended 2024. 3- Share Price reached 355 fils, an increase of 35% compared to the year ended 2024. 4. Market Capitalization is 321.7 million Kuwa
Slide 6: Transcript: AFG services, vision and mission
Fawaz Almunaya Thank you, Mr Mohammed. I’d like to provide you with a short brief about the AFG services, mission and the vision of the Group. As you know, AFG provides several services, financial solutions, such as the Asset Management & Brokerage through several services like portfolios management
Slide 7: Financial Analysis Conference YE-2025
1 FINANCIAL ANALYSIS CONFERENCE YE-2025 2.4.2026
Slide 8: Disclaimer
2 ARZAN FINANCIAL GROUP FOR FINANCING AND INVESTING K.P.S.C. DISCLAIMER ▪ This presentation has been prepared and issued by Arzan Financial Group (“AFG”), a public Kuwaiti shareholding company based on internally developed data and analysis. ▪ The information provided in this presentation and the su
Slide 9: Agenda
3 ARZAN FINANCIAL GROUP FOR FINANCING AND INVESTING K.P.S.C. AGENDA CONTENT PAGE FINANCIAL HIGHLIGHTS 4-11 OUR STRATEGY AND FUTURE 12-15 Q&A 16 APPENDIX 17-20
Slide 10: Financial Highlight YE-2025
4 FINANCIAL HIGHLIGHT YE-2025
Slide 11: Key Financial Metrics YE-2025
5 KEY FINANCIAL METRICS YE-2025 Key Financial Topic YE-2025 YE-2024 % Income Statement *Note: Attributable to shareholders of the parent company Income Statement Net Profit * Million 23.2 14.1 Basic earning per share * Fils 25.6 15.8 Total Comperehensive Income/(Loss) * Million 54.3 38.9 Financial P
Slide 12: Financial Performance YE-2025
6 FINANCIAL PERFORMANCE YE-2025 The charts below illustrate the financial performance attributable to the parent company's shareholders for the YE,2025, compared to the last four years, as follows: ❑ Net profit and earnings per share (EPS) significantly increased by 65% and 63% compared to YE,2024,
Slide 13: Financial Position YE-2025
7 FINANCIAL POSITION YE-2025 The charts below illustrate the key balance sheet items as of December 31, 2025, compared to the past four years as follows: ❑ Total assets significantly increased by 36% compared to YE,2024, due to an increase in the following : ✓ Investments at fair value through OCI ✓
Slide 14: Key Ratios YE-2025
8 KEY RATIOS YE-2025 The charts below illustrate the key financial ratios as of December 31, 2025, compared to the past four years as follows: ❑ 12% increase in Return on Assets compared to YE,2024. ❑ 27% increase in Return on Equity compared to YE,2024. ❑ Leverage Ratio is increased by 19% compared
Slide 15: Price to Book Value and Market Capitalization
9 PRICE TO BOOK VALUE AND MARKET CAPITALIZATION The charts below illustrate the Price-to-Book value and Market Capitalization as of December 31, 2025, compared to the past four years as follows: ❑ 24% increase in Book Value Per Share compared to YE,2024. ❑ 9% increase in Price to Book Value compared
Slide 16: Income Drivers and Expenses YE-2025
10 INCOME DRIVERS AND EXPENSES YE-2025 Income of KWD 38.618 and Expenses of KWD 12.537 Amount in Million. Income Drivers Expenses Drivers ❑ Share of results of associates contributed 61% of the total income ❑ Staff costs contributed 33% of the total expenses. ❑ Dividend income contributed 13% of the
Slide 17: The Geographical Allocation of the Assets
11 THE GEOGRAPHICAL ALLOCATION OF THE ASSETS Kuwait Saudi Arabia United Arab Emirates Jordan Lebanon Egypt Bahrain Australia United States United Kingdom Norway Germany Netherlands Switzerland
Slide 18: Company Snapshot
12 COMPANY SNAPSHOT • Portfolio Management, Brokerage, Investment Advisory and Proprietary Equity portfolio management Asset Management & Brokerage • Regional and International Markets • Corporate Credit focusing on SMEs ,Working Capital, Inventory purchasing and CAPEX financing services Credit • In
Slide 19: Vision and Strategy Overview
13 VISION AND STRATEGY OVERVIEW
Slide 20: Vision and Mission
14 VISION AND MISSION Our Mission Our Vision To create long term value for all our stakeholders by To become a prominent and leading company in the providing attractive and solid performance returns as we financial advisory and financing business by offering high build a partnership with our clients
Slide 21: Points of Focus
15 POINTS OF FOCUS • AFG’s Revenue sources are continuously being diversified to assure more steady and stable performance Diversified Income Stream • AFG has continuously been placing a foothold into varying mature markets such as the US, UK, Global Footprint Switzerland, Holland, Germany • Regiona
Slide 22: Continue - Points of Focus (CSR)
16 CONTINUE - P O I N T S O F F O C U S As part of our constant efforts to promote positive societal initiatives, AFG participated in the following :- CSR • Proceeding CSR Project : Donation for Kuwait Food Bank ( Ramadan Iftar Meals 2025 ). • Proceeding CSR Project : Donation with AL Wafir Co ( Ram
Slide 23: Q&A
17 Q&A
Slide 24: Appendix 1: YE-2025 Consolidated Income Statement
18 APPENDIX 1: YE-2025 CONSOLIDATED INCOME STATEMENT YE-2025 YE-2024 Change YE-2025 YE-2024 Change KWD KWD % KWD KWD % Income Expenses and other charges Income from instalment credit debtors 226,024 403,082 (%44) Staff costs (4,154,938) (3,364,325) %23 General and administrative expenses (3,834,601)
Slide 25: Appendix 2: YE-2025 Consolidated Comprehensive Income
19 APPENDIX 2: YE-2025 CONSOLIDATION COMPREHENSIVE INCOME YE-2025 Attributable to NCI Total Consolidated parent co. PROFIT for the period 23,241,415 1,521,031 24,762,446 Other comprehensive income ( loss ) for the period: (Icludes change in fair value of FVOCI investments, share of OCI from 31,056,7
Slide 26: Appendix 3: YE-2025 Consolidated Financial Position
20 APPENDIX 3: YE-2025 CONSOLIDATED FINANCIAL POSITION YE-2025 YE-2024 Change * YE-2025 YE-2024 Change * KWD KWD % KWD KWD % Assets Liabilities and Equity Cash and cash equivalents 5,951,106 3,810,901 %56 Liabilities Term deposits 172,299 434,311 (%60) Accounts payable and other liabilities 11,937,7
Slide 27: Thank You
Thank You aloJl jljjl Acgor0 g.c,ph jlo Li__wilig J__sg—_oi 1820200 - 22203000 www.arzan.com.kw in@ X afg_kuwait