Bank Of Bahrain And Kuwait B.s.c. · BAHRAIN:BBK
Bank Of Bahrain And Kuwait B.s.c — Q2 2026 Earnings Presentation
15 slides from Bank Of Bahrain And Kuwait B.s.c's earnings presentation, Aug 5, 2026
Slide 1: Investors' Conference Call
Investors’ Conference Call 05 August 2026, Kingdom of Bahrain
Slide 2: Strategic and Corporate Updates
Strategic and Corporate Updates
Slide 3: Strategic and Corporate Updates
Strategic and Corporate Updates Moody’s and Fitch Launched Potential merger: Ratings have marketing 7.5% Interim Following the completion affirmed BBK’s cash dividend, of DD by both parties, rating at B2 and B campaigns and discussions have offers, and signed amounting to commenced on certain respec
Slide 4: Sustainability
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Slide 5: BBK's ESG Leadership Recognized Regionally and Globally
BBK's ESG Leadership Recognized Regionally and Globally ESG Ratings Improvement MSCI Rating Refinitiv /LSEG Bloomberg BBB A 48 77 2.46 3.43 June 2025 Current Aug 2025 Current Aug 2025 Current Upgraded +29 +0.97 Ranked #1 Among All Bahraini Organizations Ranked #1 among all Bahraini Banks Awards & Re
Slide 6: Environmental Progress, Workforce Excellence & Community Impact
Environmental Progress, Workforce Excellence & Community Impact Workforce Diversity & Development Community Impact Metrics Environmental Impact ( Q2 2026 vs Q2 2025) 95% 213 Nationalization Rate Volunteering Hours 3057 988 vs vs 4108 1054 42% 82.9% Women Representation Local Procurement Spend) 25.2%
Slide 7: Key Initiatives & Achievements – Q2 2026
Key Initiatives & Achievements – Q2 2026 Customer Experience Employee Engagement & Development Community Impact BBK Way Project Launch of BBK Group’s First HR Podcast Bahrain Football Association Redesigning key customer journeys to enhance service quality Connecting HR with employees across the Gro
Slide 8: Sustainable Finance
Sustainable Finance Sustainable Finance Portfolio Growth (In millions BHD) 2026 Highlights 234 • Sustainable Finance Portfolio increased to BHD 234M in Q2 2026, up 50% from BHD 156M in 2024 212 201.3 • Fixed income portfolio reached BHD 66.8M, including BHD 13.6M in Green Bonds and BHD 53.2M in Sust
Slide 9: Decarbonization Plan
Decarbonization Plan BBK established its first Net-Zero Plan establishing climate baselines, targets, and a roadmap for Net Zero 2060 Climate Commitments • 30% emissions reduction target by 2035 • Net Zero ambition by 2060 • Climate targets aligned with Bahrain's national decarbonization pathway • E
Slide 10: Financial Performance
Financial Performance
Slide 11: Financial Performance – Q2 2026
Financial Performance – Q2 2026 (BD Millions) Investment & Share of Net Fee Other Income Associates Operating Income BD 5.4 BD (0.5) Expenses NII Net Provisions, BD 5.5 vs vs BD 21.5 BD 31.5 Taxes & NCI vs BD 4.2 BD 0.2 vs Net Profit vs BD 4.0 BD 30.0 BD 5.0 +29% BD 19.1 Net Profit 10% +13% vs Jun-2
Slide 12: Financial Performance – YTD June 2026
Financial Performance – YTD 30 June 2026 (BD Millions) Investment & Share of Net Fee Other Income Associates Operating Income BD 18.6 BD 0.0 Expenses BD 11.1 vs vs BD 42.3 Net Provisions, NII vs BD 11.2 BD 0.6 vs Taxes & NCI Net Profit BD 63.3 BD 9.9 +66% -100% BD 35.7 BD 8.2 Net Profit vs +12% +19%
Slide 13: Financial Position – June 2026
Financial Position – 30 June 2026 (BD Billions) 1% 4.93 4.97 1% 0.2% 2.88 2.85 Net Loans and Advances 2.36 2.36 BD 2.4 Billions 6% 1.30 1.23 5% 0.62 0.66 Increase by 0.2% Loans and advances Total Investments Total Assets Customer deposits Equity attributable to shareholders 30 Jun 2026 31 Dec 2025 B
Slide 14: Indicators
Indicators Jun 2026 Dec 2025 Return on Average Equity* % 13.9 12.8 Profitability & Efficiency Return on Average Assets* % 1.8 1.8 Earnings per share BHD 0.024 0.044 Cost/Income % 45.4 45.8 Specific Coverage Ratio % 54.8 66.7 Assets Quality ECL (Stage 1&2) Coverage Ratio % 1.1 1.0 Gross NPL/ Gross Loan
Slide 15: Thank you
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