Ajman Bank Pjsc · DFM:AJMANBANK
Ajman Bank Pjsc — Ajman Bank — Q2 2026 Earnings Presentation
16 slides from Ajman Bank Pjsc's earnings presentation, July 2026
Slide 1: Q2/H1 2026 Earnings Presentation
Q2/H1 2026 Earnings Presentation July 2026
Slide 2: Opening Remarks
Opening Remarks 2
Slide 3: H1'26 Key Highlights
H1’26 Key Highlights H1’26 Key Highlights Key financials metrics, As of H1-2026 • Stable H1’26 results with net profit after tax at AED246mm (+1% YoY) and RoTE at 14.3% • Operating income at AED 437mm (+10% YoY) 29.9bn AED 27.5bn AED 90.3% driven by solid business momentum Net Islamic Financing & Is
Slide 4: Financial Performance
=~(C -_ Financial Performance
Slide 5: Income Statement → H1'26 Operating Income up 10% YoY
Income Statement → H1’26 Operating Income up 10% YoY Income Statement (AED mm) H1'26 H1'25 YoY (%) Operating income at AED 437mm, +10% vs prior year Net Profit Income 326 269 21% driven by net profit income (+21%) driven by increased Non-Funding Income 111 130 (14%) financing and cross sell activiti
Slide 6: Income Statement → Q2'26 Profit Before Tax up 7% YoY
Income Statement → Q2’26 Profit Before Tax up 7% YoY Income Statement (AED mm) Q2'26 Q1'26 QoQ (%) Q2'25 YoY (%) Operating income at AED 216mm, +8% vs prior year Net Profit Income 168 159 6% 141 19% driven by strong volume growth however -3% vs prior quarter driven by lower non-funding income on acc
Slide 7: Operating Income & Expense
Operating Income & Expense 2.53% 2.51% 2.54% 2.40% 2.29% NPM (%)(1) 2.36% Stable NPI performance, up prior year by 10% driven by 2.24% strong balance sheet growth 437 Operating Income NPM at 2.29% for H1’26, 25bps lower YoY driven by 260 399 (AED mm) 244 111 impact of lower benchmark rates and incre
Slide 8: Balance Sheet – Asset Portfolio
Balance Sheet – Asset Portfolio Growing financing & sukuk book with a stable financing-to-deposit ratio and investing assets distributed across business sectors. TOTAL ASSETS EVOLUTION (AED BN) ASSET MIX DISTRIBUTION (AS OF JUN-2026) 86% 84% 80% 87% 85% Total assets: AED 33.9bn 5.6% 32.9 32.8 33.9 2
Slide 9: Asset Quality Mix and Provision Coverage
Asset Quality Mix and Provision Coverage ISLAMIC FINANCING AND INVESTING NON-PERFORMING FINANCINGS AND EXPECTED EVOLUTION OF THE COST OF RISK ASSETS (AS OF JUN-2026) CREDIT LOSSES Provision Coverage (%) NPF Ratio (%) Impairment Charges (AED mm) CoR (bps) 6.3% Total: AED20.3bn 3 44% (9) (6) (8) (9) 1
Slide 10: Balance Sheet – Liabilities Mix & Capital
Balance Sheet – Liabilities Mix & Capital Deposit base continues to make up above 90% of overall liabilities with a growing CASA & Wakala deposit book STRONG DEPOSIT FRANCHISE (VALUES IN AED BN) LIABILITIES MIX (AS OF JUN-2026) CASA 6.0 6.3 6.8 7.9 7.5 30.5 6.0% 29.4 29.6 3.7% 27.5 Total liabilities
Slide 11: Outlook
11 Ulaac Wjyna Ajman Bank Looking ahead. Delivering tomorrow.
Slide 12: Revising deposit growth guidance, reflecting balance sheet optimization initiatives
Revising deposit growth guidance, reflecting balance sheet optimization initiatives H1’26 Actuals 2026 Guidance Financing Growth +9% >15% Balance Sheet Deposit Growth +3% >10% Cost of Risk (17)bps <60bps Asset Quality NPF Ratio 5.3% <5.5% ROE 14.3% >12% Profitability & Capital CAR 14.1%(1) >15.5% 12
Slide 13: Appendix
13 Appendix ce) Ulanc Wyna AjmanBank
Slide 14: Sustainable Finance Solutions - Consumer Banking
Sustainable Finance Solutions - Consumer Banking In Q2 2026, the Bank rolled out the Smart student account , the AMAN account and Green Path Savings account, adding further to the green/social solutions offered by the Bank to retail/ mass segment. 14
Slide 15: Sustainable Finance Mobilization
Sustainable Finance Mobilization As of Q2 2026, Our Sustainable Finance Portfolio reached 44% of our Commitment to mobilize AED 4BN by 2030. Following is a snapshot of some of key sustainable finance deals executed. Green Sukuk Green Sukuk Green Project Green Project Green Project Sustainable Workin
Slide 16: Thank You
Thank You www.ajmanbank.ae 600 5555 22 investorrelations@ajmanbank.ae 16