Burgan Bank · KSE:BURG
Burgan Bank — Burgan Bank K.P.S.C — H1 2026 Earnings Presentation
20 slides from Burgan Bank's earnings presentation, Aug 4, 2026
Slide 1: Investor Presentation H1'26 Financial Results
BURGAN BANK K.P.S.C INVESTOR PRESENTATION H1'26 FINANCIAL RESULTS 4TH AUGUST 2026
Slide 2: Table of Contents
TABLE OF CONTENTS Burgan Bank: Overview 3-7 Financial Performance Overview 9 - 15 Summary 17
Slide 3: Burgan Bank: Overview
y) oL—Sp Sy BURGAN BANK Burgan Bank: Overview
Slide 4: At a Glance
BURGAN BANK AT A GLANCE Overview Credit Rating(3) Shareholding Structure(1), (4) ▪ Established in 1977 as joint stock company by the Government of Kuwait, the Bank was privatized in 1997 A/ Baa1 / BBB+ / A+ KIPCO Ownership ▪ Leading conventional bank in Kuwait with total assets of KD 9.6bn(1) Stable
Slide 5: Kuwait Focused Bank with Regional Diversification
BURGAN BANK KUWAIT FOCUSED BANK WITH REGIONAL DIVERSIFICATION Domestic Market % of Group Franchises Ownership(1),(2) Business Model Scale(1) Position Assets(1),(3) Corporate banking is the core business, 27 Burgan Bank A leading conventional Burgan Bank N/A with a focus on growing Private Banking, 7
Slide 6: Our Vision, Mission and Values
BURGAN BANK OUR VISION, MISSION AND VALUES Our Vision Our Mission To be the most modern and progressive ▪ Deliver excellent customer experience bank in Kuwait, driven by our employees, ▪ Lead with innovation customers, and community. ▪ Become an employer of choice ▪ Contribute to our community ▪ Pur
Slide 7: Our Strategic Pillars
BURGAN BANK OUR STRATEGIC PILLARS Strategic Pillars Strengthen Asset Digital A B C Kuwait Business Re-Allocation Transformation ▪ Grow & Diversify the Corporate Portfolio ▪ Pursue Sale of Non-Core Assets ▪ Revamp IT infrastructure with modern technology ▪ Double Market Share in Retail ▪ Re-Invest in
Slide 8: Investment Highlights: Resilient Performance with Healthy Fundamentals
BURGAN BANK INVESTMENT HIGHLIGHTS: RESILIENT PERFORMANCE WITH HEALTHY FUNDAMENTALS SOLID POSITION IN KUWAIT AND MENAT SUPPORTIVE OPERATING ENVIRONMENT AND STABLE SHAREHOLDERS ▪ Second largest conventional bank in Kuwait by asset size(1) with resilient business model. ▪ Stable economy with recent pos
Slide 9: Financial Performance Overview – H1'26
Financial Performance Overview – H1'26
Slide 10: Performance Update – H1'26
BURGAN BANK PERFORMANCE UPDATE – H1’26 Operating Net Interest Margins Revenues Net Income(1) Resilience 2.2% KD 138mn KD 11mn (-47% y-o-y) (Stable) (+9% y-o-y) Sustained Growth Total Assets Loans Deposits Momentum KD 9.6bn KD 5.1bn KD 5.6bn (+10% y-o-y) (+10% y-o-y) (+5% y-o-y) Optimal Capital & Cap
Slide 11: Performance Highlights – H1'26: P&L Metrics
PERFORMANCE HIGHLIGHTS – H1'26 P&L METRICS Revenue (KD mn) Operating Profit (KD mn) Net Income(1) (KD mn) +9% 49 21 138 45 126 11 H1'25 H1'26 H1'25 H1'26 H1'25 H1'26 Net Interest Margin (NIM)(2) (%) Cost to Income Ratio (CIR) (%) Cost of Credit (CoC)(3) (%) 67.0% 2.2% 2.2% 61.0% 0.7% 0.6% H1'25 H1'2
Slide 12: Performance Highlights – H1'26: Assets & Loans
PERFORMANCE HIGHLIGHTS – H1'26 ASSETS & LOANS Total Assets (KD mn) Liquid Assets Ratio(1) (%) +10% 28.2% 26.8% 9,599 8,716 H1'25 H1'26 H1'25 H1'26 Customer Loans (KD mn) & Sectoral Breakdown (%)(2) Loans by Stages(3) (%) +10% 120% 100% 3.2% 2.4% 5,088 5%3% 8.7% 8.5% 4,621 8% 4% 80% 10% 60% 40% 88.2%
Slide 13: Performance Highlights – H1'26: Asset Quality Metrics
PERFORMANCE HIGHLIGHTS – H1'26 ASSET QUALITY METRICS Non-Performing Loans (KD mn) & NPL Ratio (%) Non-Performing Loans (KD mn) & NPL Ratio (%) – Net of Collaterals 3.2% 2.3% 0.7% 0.5% 35 165 30 133 H1'25 H1'26 H1'25 H1'26 NPLs NPL Ratio NPLs - Net of Collateral NPL Ratio - Net of Collateral Total Pr
Slide 14: Performance Highlights – H1'26: Liquidity Profile
PERFORMANCE HIGHLIGHTS – H1'26 LIQUIDITY PROFILE Customer Deposits (KD mn) Deposits by Type – H1'26 (%) +5% 3% 5,361 5,638 28% 69% H1'25 H1'26 CASA Time Other Loan to Deposit Ratio (LDR) (%) Regulatory Liquidity Metrics(2) (%) (1) 100% 225% 197% 90% 110% 77% 113% 75% 100% (1) 80% H1'25 H1'26 H1'25 H
Slide 15: Performance Highlights – H1'26: Regulatory Capital
PERFORMANCE HIGHLIGHTS – H1'26 REGULATORY CAPITAL Regulatory Capital | (KD mn , %) 7,806 8,339 2,400 16.8% 15.9% 14.0% (1) 1,900 13.0% 11.2% 10.5% 10.5% (1) 9.5% 1,400 1,309 1,324 272 282 163 164 900 400 875 878 (100) FY'25 H1'26 CET1 AT 1 Tier II CET 1 Ratio CAR Ratio Min. Required CAR Min. Require
Slide 16: Kuwait Focused Bank with Regional Diversification
BURGAN BANK KUWAIT FOCUSED BANK WITH REGIONAL DIVERSIFICATION CONTRIBUTION (1) KPIS Franchises Assets NIM(2) Cross Sell (3) CoC(2),(4) NPL Ratio Burgan Bank 71% 1.2% 26.5% 0.2% 2.2% Kuwait Burgan Bank Turkey 14% 5.7% 23.7% 0.7% 0.6% Gulf Bank Algeria 10% 5.2% 31.3% 4.3% 4.4% United Gulf Bank 3% nm(5
Slide 17: Summary
y) oL—Sp Sy BURGAN BANK Summary
Slide 18: Summary
SUMMARY Diversified business model supporting sustainable growth ► Broad-based revenue growth reflects the strength of the Group's diversified earnings profile across core businesses ► Continued balance sheet expansion, led by Kuwait, reinforces the franchise's long-term growth trajectory Strengthen
Slide 19: Investor Relations App
sand Investor Relations App Our IR App puts the latest financial updates at your fingertips — from share prices and press releases to full financial results and our complete document library. With customizable watchlists, smart notifications, and real-time tracking, the app makes it easy to monitor
Slide 20: Disclaimers
DISCLAIMERS IMPORTANT NOTICE This presentation has been prepared by Burgan Bank K.P.S.C. and is subject to the applicable laws and regulations in the State of Kuwait. It is for information purposes only and it shall not be reproduced or redistributed to any other person without obtaining Burgan Bank