Ajman Bank Pjsc · DFM:AJMANBANK
Ajman Bank Pjsc — Ajman Bank — FY2025 Earnings Presentation
22 slides from Ajman Bank Pjsc's earnings presentation, February 2026
Slide 1: FY 2025 Earnings Presentation
FY 2025 Earnings Presentation February 2026 2/26/2026 1
Slide 2: Opening Remarks
Opening Remarks 2
Slide 3: Ajman Bank At a Glance
Ajman Bank At a Glance Ajman Bank is a solid investment-grade rated credit, strategically located in a rapidly growing Emirate and benefitting from support from the Government of Ajman OVERVIEW OF AJMAN BANK KEY FINANCIALS METRICS, AS OF DEC-2025 ⚫ Established in 2007, Ajman Bank (the “Bank”) was th
Slide 4: Competitive Strengths
Competitive Strengths • 58% ownership by the Emirate of Ajman and the ruling family of Ajman • Achieved record profit of AED 500 million in 2025 up YoY by 25% with total assets Ownership of AED 32.9 billion and deposits of AED ` 23.7 billion, up by 44% and 31% YoY • Considerable and diverse experien
Slide 5: Ajman Bank Vision & Strategic Priorities
Ajman Bank Vision & Strategic Priorities To be one of the favorite financial services brands in the UAE and the entire region AI & Digital Client Solutions Risk & Monitoring Talent •New Digital Banking platform & •Deliver on Cash Management & •Continued focus on credit quality •Emiratization & Talen
Slide 6: Financial Performance
Ularc 6, © Ajman Bank Financial Performance
Slide 7: Income Statement → 2025 FY Net Profit up 25% YoY
Income Statement → 2025 FY Net Profit up 25% YoY Income Statement (AED mm) FY'25 FY'24 YoY (%) Profit before Tax & Profit after Tax at AED 548mm and AED Net Profit Income 637 545 17% 500mm respectively, +25% vs prior year, driven by strong Non-Funding Income 262 191 37% financing and treasury activi
Slide 8: Operating Income & Expense
Operating Income & Expense 2.79% 2.80% 2.80% NPM (%) 2.75% 2.59% Stable NPI performance, up prior year by 17% driven by 2.54% 899 strong volume growth Operating Income 260 244 736 262 (AED mm) NPM at 2.8% for FY’25, flattish driven by growth in financing 200 75 57 191 194 and treasury activities des
Slide 9: Balance Sheet – Asset Portfolio
Balance Sheet – Asset Portfolio Strong and stable asset mix, with prudent management of the financing-to-deposit ratio, maintenance of a consistent “cash cushion” and investing assets distributed across business sectors. Asset moderation in 2024 & 2025 was on the back of the bank’s strategy to exit
Slide 10: Asset Quality Mix and Provision Coverage
Asset Quality Mix and Provision Coverage EVOLUTION OF STAGE 2 & 3 FINANCINGS EVOLUTION OF STAGE 2 & 3 COVERAGE EVOLUTION OF THE COST OF RISK Stage 2 + 3 loans NPF Ratio Stage 2 + 3 coverage NPF coverage 6.6% 11% 15% 14% 10% 7.0% 51% 22% 27% 54% 40% 38% 26% 30% 21% 26% 17% 20% 15% 1.7% 1.2% 13% 8% (0
Slide 11: Balance Sheet – Liabilities Mix & Capital
Balance Sheet – Liabilities Mix & Capital Solid and growing deposit base, making up ~90% of overall liabilities, majority being current account or Wakala deposits in 2024, continued in 2025.. STRONG DEPOSIT FRANCHISE (VALUES IN AED BN) LIABILITIES MIX (AS OF DEC-2025) CASA 35 4.4 4.8 5.5 5.3 6.8 160
Slide 12: Outlook
Outlook 12
Slide 13: 2026 Financial Guidance
2026 Financial Guidance 2025 Actuals 2026 Guidance Financing Growth +39% >15% Balance Sheet Deposit Growth +31% >15% Cost of Risk (30)bps <60bps Asset Quality NPF Ratio 7% <5.5% ROE 15.2% >12% Profitability & Capital CAR 14.0% >15.5% 13
Slide 14: Appendix
Appendix 14
Slide 15: Key Deal Wins & Mandates
Key Deal Wins & Mandates Partnerships Ajman Bank is proud to have played a pivotal role in 9 Sukuk Issuances • Ajman FZ, Yubi MENA & Meydan FZ partnership to support the expansion of • Aldar Investment Properties - $645 million 10-year senior unsecured Green Sukuk working capital financing and facil
Slide 16: Key Franchise Initiatives & Rollouts
Key Franchise Initiatives & Rollouts Digital Transformation Credit Cards Auto Finance • Launched GenAI capabilities within the mobile app. • “Digital Credit Card Onboarding” (NTB-single card), • Introduced a green financing solution targeting electric • “HAMED” Etihad Miles Exchange partnership, and
Slide 17: Sustainable Finance Solutions for Corporates
Sustainable Finance Solutions for Corporates On May 1, 2025, Ajman Bank announced a bold and strategic commitment to mobilize AED 4 billion in sustainable finance by 2030, and to achieve Net Zero emissions across our operations (Scope 1 & 2 Emissions) by 2030 and overall Net Zero (Scope 1, 2 and 3)
Slide 18: Our Sustainable Finance Policy Framework
Our Sustainable Finance Policy Framework Ajman Bank’s inaugural Sustainable Finance Framework formalizes our AED 4 billion by 2030 target, supports our Net Zero commitment and Ajman Vision 2030, and enables green, social, transition and sustainability-linked financing across the bank. Why this matte
Slide 19: Sustainable Finance Solutions for Consumers
Sustainable Finance Solutions for Consumers 19
Slide 20: Sustainable Finance Deals
Sustainable Finance Deals Green Project Green Project Green Project Green Project Sustainable Working Green Project Finance (EBL) Capital Finance Finance Finance Finance (Wave 6) AED 378M AED 180 MM AED 7.5M AED 3.5M AED 50M AED 257M Pure Homes AED 4.6M Green Sukuk Green Sukuk Green Sukuks Green Suk
Slide 21: Our Carbon Footprint (Path to Net Zero)
Our Carbon Footprint (Path to Net Zero) Ajman Bank’s 2025 results show measurable progress on energy-related emissions and a clear pathway to deepen sustainability performance. The bank has achieved a meaningful reduction in Scope 2 emissions, strengthening its operational resilience and ESG profile
Slide 22: Thank You
Thank You www.ajmanbank.ae 600 5555 22 investors@ajmanbank.ae