Boubyan Bank K.s.c. · KSE:BOUBYAN
Boubyan Bank K.s.c — Boubyan Bank — Q3 2025 Earnings Presentation
22 slides from Boubyan Bank K.s.c's earnings presentation, Oct 23, 2025
Slide 1: Boursa Kuwait filing letter for Q3 2025 presentation
Tem uL4ig_y Boubyan Kuwait: 23/10/2025 Ref: 6432/2025 Mr. Mohammad Saud AI-Osaimi CEO Boursa Kuwait Dear Sir, PowerPoint Presentation of Third Quarter 2025/10/23 :cugSI 2025/6432 :3,LayI asic ees! ogee ere / eu! repress] till A195 dyes cee dag 455539 ail Aamo pSule Aud SSN ps Coed sgh co tat al of 2
Slide 2: Boubyan Bank Investor Presentation Q3 2025 Results
Boubyan Bank Investor Presentation Q3 2025 Results 23rd October 2025 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 9M 2025 9M 2024 Growth % Net Profit Before Tax 89.8 76.5 17% 11.9 12.4 Net Profit to shareholders 77.7 73.5 6% 10.2 Operating Income 197.9 183.0 8% 12.9 13.1 Operating Profit 100.7 91.1
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 Ratio
Income Statement Analysis Profitability & Performance Ratio Net Profit Before Tax (KD Million) Net Profit (KD Million) 17% 6% 89.8 73.5 77.7 76.5 9M 2024 9M 2025 9M 2024 9M 2025 * Return on Average Equity (%) Return on Average Assets (%) 10.6 10.5 1.1 1.1 9M 2024 9M 2025 9M 2024 9M 2025 7 * Return o
Slide 9: Operating income components and Net Profit Margins
Income Statement Analysis Operating income components and Net Profit Margins Operating Income (KD Million) Net Financing Income (KD Million) Operating income Net Financing Income 8% 6% 183.0 197.9 147.4 156.8 9M 2024 9M 2025 9M 2024 9M 2025 Composition of Operating Income % Net Profit Margin % Inves
Slide 10: Operating Costs & Efficiency
Income Statement Analysis Operating Costs & Efficiency Operating Costs (KD Million) Composition of Operating Costs % Staff costs General & Admin Depreciation 6% 14% 15% 30% 31% 91.9 97.2 57% 54% 9M 2024 9M 2025 9M 2024 9M 2025 Operating Efficiency (%) Operating Costs to Average Assets (%) 50.2 1.4%
Slide 11: Provisions & Related Ratios
Income Statement Analysis Provisions & Related Ratios Provisions* (KD Million) Specific* General** 14.6 -26% 10.9 9.8 5.0 4.8 5.9 9M 2024 9M 2025 Loss Ratio % Provisions to Operating Profit % 0.28% 0.16% 16.0% 10.8% 9M 2024 9M 2025 9M 2024 9M 2025 10 * Specific Provisions are shown inclusive of ECL
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 & Sources of Funding
Balance Sheet Analysis Assets & Sources of Funding Total Assets (KD Million) Composition of Assets % Financing Portfolio * Liquid assets 13% Investments PPE & Other assets 9% 3% 3% 3% 3% 3% 3% 19% 20% 20% 9,067 9,377 10,207 75% 74% 74% Sep-24 Dec-24 Sep-25 Sep-24 Dec-24 Sep-25 Sources of Funding (KD
Slide 14: Financing Portfolio & Asset Quality
Balance Sheet Analysis Financing Portfolio & Asset Quality Financing Portfolio – KD Million Composition of Financing Portfolio % 11% 10% Retail Corporate 37% 37% 36% 6,820 6,924 7,586 63% 63% 64% Sep-24 Dec-24 Sep-25 Sep-24 Dec-24 Sep-25 Non-Performing Financing Portfolio Loss Coverage Ratio NPL - K
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: Capital Adequacy
Capitalization & Leverage Capital Adequacy Capital Adequacy Ratio Leverage Ratio RWA - KD Million Total CAR 17.3% 17.9% 16.4% 9.8% 10.0% 9.1% 5,776 5,885 6,425 Sep-24 Dec-24 Sep-25 Sep-24 Dec-24 Sep-25 Composition of Regulatory Capital CET1 Additional Tier 1 Tier 2 7% 7% 8% 14% 13% 13% 79% 80% 79% S
Slide 17: Questions?
Questions? Towards Perfection
Slide 18: Appendix
Appendix Towards Perfection
Slide 19: Consolidated Financial Statements – Q3 2025
Consolidated Financial Statements – Q3 2025 CONSOLIDATED STATEMENT OF INCOME 30-Sep 30-Sep CONSOLIDATED STATEMENT OF FINANCIAL POSITION 30-Sep 30-Sep KD Million 2025 2024 KD Million 2025 2024 Income Assets Islamic financing income 366.2 339.2 Cash and balances with banks 596 459 Financing cost (209.
Slide 20: Consolidated Income Statement
Consolidated Income Statement CONSOLIDATED STATEMENT OF INCOME 31-Dec 31-Dec 31-Dec KD Million 2024 2023 2022 Income Islamic financing income 458.5 396.8 283.7 Financing cost (258.1) (224.3) (116.5) Net finance income 200.4 172.5 167.2 Net investment income 11.2 15.2 6.8 Net fees and commission inco
Slide 21: Consolidated Statement of Financial Position
Consolidated Statement of Financial Position KD Million 31-Dec 31-Dec 31-Dec 2024 2023 2022 Assets Cash and balances with banks 495.5 399.0 533.2 Deposits with Central Bank of Kuwait 125.1 219.0 247.8 Deposits with other banks 244.7 96.2 131.7 Islamic financing to customers 6,923.9 6,321.0 5,913.5 I
Slide 22: Thank You
Thank You Towards Perfection