Boubyan Bank K.s.c. · KSE:BOUBYAN
Boubyan Bank K.s.c — Boubyan Bank — H1 2026 Earnings Presentation
21 slides from Boubyan Bank K.s.c's earnings presentation, Jul 22, 2026
Slide 1: Boursa Kuwait cover letter for analysts' call presentation
ra» ulLwaigy Boubyan Kuwait: 22/07/2026 Ref: 6895/2026 To: Mr. Mohammad Saud Al-Osaimi CEO - Boursa Kuwait Dear Sir, PowerPoint Presentation of Second uarter Analysts’ Conference Call Reference is made to the provisions of Article no. (8-4-2) of Boursa Kuwait Rulebook issued by virtue of Resolution
Slide 2: Boubyan Bank Investor Presentation 6M 2026 Results
Boubyan Bank Investor Presentation 6M 2026 Results 22nd July 2026 Towards Perfection
Slide 3: 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 PRESENTATION AND IS PROVIDED AS INFORMATION ONLY. THIS PRESENTATION DOES N
Slide 4: Outline
Outline 1 Boubyan’s Performance & Strategy – At a Glance 2 Income Statement Analysis 3 Balance Sheet Analysis 4 Capitalization & Leverage Towards Perfection
Slide 5: Financial Highlights
Boubyan’s Performance & Strategy - At a Glance Financial Highlights Financial Snapshot Market Share (%) KD million 6M 2026 6M 2025 Growth % Net Profit Before Tax 63.9 60.3 6% 12.4 12.5 Net Profit to shareholders 54.7 52.3 5% 10.2 Operating Income 139.2 131.3 6% 12.7 12.5 Operating Profit 72.6 67.3 8
Slide 6: The Bank's Strategy Builds on Robust Domestic Foundations And Builds Its International Presence
The Bank’s Strategy Builds on Robust Domestic Foundations And Builds Its International Presence Strategic Objectives ▪ Maintaining Group’s position as a leader in customer service and enhancing the customer experience. ▪ Growing its market share as the bank of choice for affluent and youth customers
Slide 7: Outline
Outline 1 Boubyan’s Performance & Strategy – At a Glance 2 Income Statement Analysis 3 Balance Sheet Analysis 4 Capitalization & Leverage Towards Perfection
Slide 8: Profitability & Performance Ratios
Income Statement Analysis Profitability & Performance Ratios Net Profit Before Tax (KD Million) Net Profit (KD Million) 6% 5% 60.3 63.9 54.7 52.3 6M 2025 6M 2026 6M 2025 6M 2026 Return on Average Equity (%)* Return on Average Assets (%) 10.9% 10.7% 1.0% 1.1% 6M 2025 6M 2026 6M 2025 6M 2026 7 * RoAE
Slide 9: Operating Income Components & Net Profit Margins
Income Statement Analysis Operating Income Components & Net Profit Margins Operating Income (KD Million) Net Financing Income (KD Million) Operating income Net Financing Income 6% 4% 131.3 139.2 102.8 107.2 6M 2025 6M 2026 6M 2025 6M 2026 Non-Financing Income (KD Million) Net Profit Margin % Investm
Slide 10: Operating Costs & Efficiency
Income Statement Analysis Operating Costs & Efficiency Operating Costs (KD Million) Composition of Operating Costs % Staff costs General & Admin Depreciation 4% 15% 15% 31% 30% 63.9 66.6 54% 55% 6M 2025 6M 2026 6M 2025 6M 2026 Operating Efficiency (%) Operating Costs to Average Assets (%) 1.3% 1.3%
Slide 11: Asset Quality, Provisions & Related Ratios
Income Statement Analysis Asset Quality, Provisions & Related Ratios IFRS 9 Staging Provisions* (KD Million) Specific* General Stage 1 Stage 2 Stage 3 1.0% 1.1% 1.0% 24% 8.7 7.0 3.9% 3.2% 3.3% 4.7 3.6 3.4 4.0 95.1% 95.7% 95.7% 6M 2025 6M 2026 Jun-25 Dec-25 Jun-26 Provisions to Op. Profit & Loss Rati
Slide 12: Outline
Outline 1 Boubyan’s Performance & Strategy – At a Glance 2 Income Statement Analysis 3 Balance Sheet Analysis 4 Capitalization & Leverage Towards Perfection
Slide 13: Assets & Financing Portfolio
Balance Sheet Analysis Assets & Financing Portfolio Total Assets (KD Million) Composition of Assets % Financing Portfolio Liquid assets* 6% Investments PPE & Other assets 4% 3% 3% 3% 3% 3% 3% 19% 19% 18% 9,953 10,201 10,593 75% 75% 76% Jun-25 Dec-25 Jun-26 Jun-25 Dec-25 Jun-26 Financing Portfolio –
Slide 14: Liquidity & Funding
Balance Sheet Analysis Liquidity & Funding Sources of Funding (KD Million & %) Customer Deposits (KD Million) Equity MTN & Sukuk T1 Interbank, CDs, & Others Customer Deposits Financing Portfolio to Deposit 88.3% 89.5% 9,953 10,201 10,593 86.2% 9% 9% 9% 7% 7% 7% 6% 5% 5% 5% 5% 79% 78% 80% 7,863 7,997
Slide 15: Outline
Outline 1 Boubyan’s Performance & Strategy – At a Glance 2 Income Statement Analysis 3 Balance Sheet Analysis 4 Capitalization & Leverage Towards Perfection
Slide 16: Capitalization & Leverage
Capitalization & Leverage Capitalization & Leverage Capital Adequacy Ratio Leverage Ratio 16.8% 17.2% 17.1% 13.4% 13.8% 13.6% 9.4% 9.7% 9.5% 6,279 6,565 6,665 Jun-25 Dec-25 Jun-26 Jun-25 Dec-25 Jun-26 Composition of Regulatory Capital CET1 Additional Tier 1 Tier 2 7% 7% 7% 13% 12% 13% 80% 81% 80% Ju
Slide 17: Guidance & Q&A
Guidance & Q&A Towards Perfection
Slide 18: Appendix
Appendix Towards Perfection
Slide 19: Consolidated Financial Statements – Q2 2026
Consolidated Financial Statements – Q2 2026 CONSOLIDATED STATEMENT OF INCOME 30-Jun 30-Jun CONSOLIDATED STATEMENT OF FINANCIAL POSITION 30-Jun 30-Jun KD Million 2026 2025 KD Million 2026 2025 Income Assets Islamic financing income 246.7 239.1 Cash and balances with banks 375 528 Financing cost (139.
Slide 20: Consolidated Income Statement
Consolidated Income Statement CONSOLIDATED STATEMENT OF INCOME 31-Dec 31-Dec 31-Dec KD Million 2025 2024 2023 Income Islamic financing income 491.4 458.5 396.8 Financing cost (281.8) (258.1) (224.3) Net finance income 209.6 200.4 172.5 Net investment income 21.3 11.2 15.2 Net fees and commission inc
Slide 21: Consolidated Statement of Financial Position
Consolidated Statement of Financial Position KD Million 31-Dec 31-Dec 31-Dec 2025 2024 2023 Assets Cash and balances with banks 353.7 495.5 399.0 Deposits with Central Bank of Kuwait 363.4 125.1 219.0 Deposits with other banks 136.5 244.7 96.2 Islamic financing to customers 7,679.7 6,923.9 6,321.0 I