Q3 Investors Highlights 2025

‌Results Presentation

for period ended 30 September 2025

https://www.bank-abc.com

‌YTD September 2025 Results - Key Highlights

Strong momentum in strategy execution accelerates the delivery of our vision as

MENA's International Bank of the Future

Strong TOI momentum with revenues exceeding US$1bn, +3%

Headline revenues of US$1,033m (+3%) and Underlying* Revenues at US$1,070m (+7%) reflecting broad based performance across almost all the core markets

Record Total Assets

at $48.5bn, +5%

Capital, Funding and Liquidity metrics remain strong with healthy buffers, T1 Ratio 15.0%, NSFR 119%, LCR 297%

Net profit US$204m,

underlying* at similar levels as last year

Resilient underlying growth across core markets with cost discipline and well-controlled cost of risk. Adjusting for FX impact on BRL and EGP primarily, underlying net profit was similar to last year

Headline ROE 6.4%**,

underlying* 6.7%, -30bps YoY

Reflecting the robust returns to our shareholders despite continuing global economic uncertainty through successful execution of our strategy

*Adjusted for FX on a constant currency basis i.e., BRL -7%, EGP -14% Q3 2025 vs. Q3 2024 /2

**Annualized return on equity, extrapolated YTD Sep net profit

‌Continued Strong Momentum in Strategy Execution

Continued momentum in executing our Strategic Roadmap YTD Sep 2025

Pillar 1 : Accelerate our Core Businesses

Portfolio Management function established to further improve return on capital of Wholesale Bank and Treasury

Launched Mobile Banking App in ABC Retail Egypt

Brazil continuing to deliver value and contribute to Group's

bottom-line

Pillar 2: Maximize Value of our Digital Units

Initiated ila Bank Carve-out, to establish ila as a separate entity

Launched ila Gulf Air Co-branded Credit Card in Bahrain, which

has witnessed a surge in new card issuance

Successful roll-out of Merchant Acquiring by AFS in the UAE

Pillar 3: Strengthen our Operating Model

Further embedded Sustainability Strategy e.g., continuing to incorporate into credit approval process

Established new Data Management function, to leverage

technology with the accurate data

Initiated AI center of Excellence and automated multiple complex processes using AI, including AI powered assistant "Fatema"

Progressed roll-out of new IT and Digital operating model across the Bank

Successfully rolled out new core banking system in ila Bank

Launched Digital assets strategy and explore international

partnerships /3

‌2025 Awards - Proud winner of 35 awards so far

Bank ABC

Bank ABC Islamic

ila Bank

Best Bank for Trade Finance in Bahrain - Global Finance World's Best Trade Finance Awards

World's Best Financial Innovation Lab Award for ABC Labs - Global Finance Innovators Awards

Best Corporate Cross-Border Payments Solution in Middle East -Global Finance Best Treasury & Cash Management Providers Awards

Best Bank for Long-Term Liquidity Management in Africa -Global Finance Best Treasury & Cash Management Providers Awards

Best Corporate Cross-Border Payments Solution in Africa -Global Finance Best Treasury & Cash Management Providers Awards

Best Cash Management Bank in

Tunisia - Global Finance

Best Cash Management Bank in Bahrain - Global Finance Best Treasury & Cash Management Providers Awards

Best Wholesale Bank of the Year

- The International Banker

Global Corporate Sukuk Deal of the Year for US$500 million Aercap Sukuk - Global Banking & Markets Awards Middle East

Best Bank for Sustainable Finance - Euromoney Awards for Excellence

Best Digital Bank in Bahrain -Euromoney Awards for Excellence

MENA Best Cash Management Bank of the Year - MEED MENA Banking Excellence Awards

Best AI Virtual Assistant in the Middle East for AI Fatema - AI World Series Awards

IFN Oman Deal of the Year for Oman Telecommunications Company's US$500 million Sukuk

IFN Bahrain Deal of the Year for Bahrain Steel's US$450 million ESG financing facility

IFN Sukuk Deal of the Year for AerCap Holdings' US$500 million Sukuk

IFN Ijarah Deal of the Year for Oman Telecommunicatio ns Company's US$500 million Sukuk

Best Islamic Corporate Bank in Bahrain

Best Digital Offering by an Islamic Bank in Bahrain

IFN Most Innovative Deal of the Year for AerCap Holdings' US$500 million Sukuk

Best Sukuk House in Bahrain -Euromoney Islamic Finance Awards

Best Mobile Banking App in the Middle East

Best Open Banking APIs in the Middle East

Best Consumer Digital Bank in Bahrain

Best Digital-Only

Bank in Bahrain

MENA Retail Bank of the Year -MEED MENA

Banking Excellence Awards

Best Online Payments Solution in Bahrain

Best Online Product Offerings in Bahrain

Best User Experience (UX) Design in Bahrain

Best Mobile Banking App

in Bahrain

Best in Social Media Marketing and Services in Bahrain

Most Innovative Digital Bank in Bahrain

Best Open Banking APIs in Bahrain

Bahrain Best Consumer Digital Bank - Euromoney Awards for Excellence

/4

‌2025 Awards - Lauded for consistent excellence

Proud winner:

Best AI Virtual Assistant in the Middle East by AI World Series 2024 Awards

For redefining the future of work as an employee assistant

/5

‌2025 Awards - Lauded for consistent excellence (cont.)

Cementing our regional digital leadership

ila Bank named 'Best Mobile Banking App in the Middle East'

Among 11 awards by Global Finance, including all national titles

Regional titles

Best Mobile Banking App in the Middle East

Best Open Banking APIs in the Middle East

National titles

Best Consumer Digital Bank in Bahrain

Best Digital-Only Bank in Bahrain

Best Online Payments Solution in Bahrain

Best Online Product Offerings in Bahrain

Best User Experience (UX) Design in Bahrain

Best Mobile Banking App in Bahrain

Best in Social

Media Marketing and Services in Bahrain

Most Innovative

Digital Bank in Bahrain

Best Open Banking APIs in Bahrain

/6

‌Strong Underlying Revenue exceeding $1bn, +3%

Strong underlying performance, driven by resilient core business performance

Headline TOI reached US$1,033m (+3% YoY), Underlying* TOI reached US$1,070m, +7% higher on a YoY basis

TOI was well diversified across our markets and business lines with International Wholesale and Group Treasury contributing the 30.6%, Brasil at 34.0%, MENA subsidiaries at 19.4% and Digital units and others at 16.0%

YTD Sep 2025 TOI by business

YTD Sep 2025 TOI Headline vs. Underlying FX adjusted, US$m

16.0%

30.6%

19.4%

34.0%

+3.1%

+6.8%

1,070

1,033

1,002

Intl. Wholesale Bank and Group Treasury**

Banco ABC Brasil MENA Subsidiaries

Digital Units and Others***

YTD Sep 24 YTD Sep 25

(Headline)

YTD Sep 25

(Underlying)

TOI BRL FX EGP FX

*Adjusted for FX on a constant currency basis i.e., BRL -7%, EGP -14% Q3 2025 vs. Q3 2024

**International wholesale bank 22.4% and Group Treasury 8.2%

*** Includes activities of Digital units (Arab Financial Services, ila) and Equity income. /7

‌Stable Cost to Income Ratio

Innovating ahead while maintaining robust cost disciplines

The Group continues to enforce appropriate cost discipline

without compromising on

investments into the Group's digital transformation and strategic initiatives to build its "Bank of the Future"

Cost to income ratio at 57.5% on a headline basis:

1. 52.9% when adjusted for ongoing investment in digital initiatives

2. Underlying* C/I at 56.8%, at same levels as previous

Headline C/I Ratio

568 YTD Sep 24

Operating Expenses and Cost to Income Ratio

595

189

+5%

YTD Sep 25

Other Cost Premises

& Equipment Staff Cost

year

*Adjusted for FX on a constant currency basis i.e., BRL -7%, EGP -14% Q3 2025 vs. Q3 2024

Headline C/I

Ratio (ex-Digital)

Underlying FX adj. -

C/I Ratio

/8

‌Improving Cost of Risk

Business growth being prudently managed, with healthy level of risk appetite and risk frameworks

ECL charge -2% YoY to US$103m reflecting marginal improvement

in YTD Sep 2025 cost of risk

ECL charge and cost of risk, US$m, bps

-2%

105 103Headline Cost of risk at 63bps, improved 9% compared to YTD Sep 2024 levels

NPL Ratio and Coverage ratio remain at healthy levels

YTD Sep 24 YTD Sep 25

Cost of risk1 69 bps 63 bps

Coverage

ratio

1. Credit Loss expense / Gross Loans

NPL Ratio

/9

‌Resilient business performance during the quarter

Navigating market volatility with resilience and innovation, through strategic execution

Total Operating Income for 3m Sep 2025 was US$361m, +10% compared to 3m Sep 2024, driven by business growth across core markets and currency strengthening

3m Sep 2024 vs 3m Sep 2025, US$m

328 361

+10%

TOI

Q3 Sep 2025 (3m) ECL charge increased, after a relatively benign Q1 and Q2. Overall YTD charge remained inline with previous year

Despite global economic challenges, resilient net profit of US$52m for 3m Sep 2025, reflecting a -20% change

compared to the same period last year, primarily due to higher ECL charge

OCI for 3m Sep 2025 was US$132m, marking a 43% increase, attributed to positive fair value movements and currency gains

ECL charge

Net Profit

OCI

31 53

+71%

-20%

92 132

+43%

65 52 3m Sep 24 3m Sep 25

/10

‌Healthy Capital Ratios, Well Above Regulatory Minimum

Overview

Balance sheet strength was maintained, with robust capital ratio levels

Strong T1 Ratio at 15.0%,

after payment of dividend

CET 1 Ratio 13.3% comprises the majority of Tier 1 Ratio

Total CAR of 16.0% as of

Sep 2025

RWA stood at US$31.6bn as of Sep 2025, increasing by

11% over YE 2024

CET1 and Tier 1 Ratios, %

Total CAR, %

RWA by Type of Risk, US$bn

15.5% 15.0%

16.6% 16.0%

12.5%

3.7

28.6

4.0

31.6

10.5%

Dec 24 Sep 25

Dec 24 Sep 25

Dec 24

Sep 25

CET1

ratio

Operational & Market Credit

/11

‌Well Diversified Balance Sheet with Total Assets reaching record

levels of $48.5bn

Record Asset levels reflecting financial resilience amid evolving macroeconomic environment conditions

Record levels of Total Assets reached at US$48.5bn at the end of Sep 2025, compared to US$46.3bn at the 2024 year-end, +5%, driven by robust loan growth, FX movement and portfolio management activity

Book weighted to short-term with 57% of Total Assets maturing within 1-year

Headline Loans increased 13%

Sep 2025 Assets by Instrument, US$bn

46.3 48.5

Other

Liquid Funds(2) Marketable Securities

Loans

Sep 2025 Assets by Maturity, US$bn

compared with 2024-year end, reflecting strong underlying growth in core business. Overall loans comprised 43% of Total Assets.

Dec 24

Sep 25

Net loans to customer deposits

ratio at 82%

Strong liquid funds position with LCR of 297% 1and NSFR of 119%

1) LCR calculated net of trapped liquidity. 2) Liquid funds includes placements with banks & other financial institutions and securities bought under repurchase

48.5 21.1

15%

< 1m 1m - 1Y

1Y - 5Y

>5Y(3)

agreements. 3) Undated included in >5 years.

Assets

Loans

/12

‌In Summary

Strong YTD Sep results reflect continued momentum and delivery of Bank ABC Group's Growth Strategy

Robust Headline Revenue of US$1,033m, +3% YoY and Underlying* Revenues of

$1,070 +7% YoY, reflecting broad based performance across almost all the core markets

Operating expenses were at US$595m, with underlying* C/I ratio stable reflecting the Group's continued cost discipline without compromising on investments into its strategic transformation agenda

Headline Net profit at US$204m -5% YoY, Underlying* net profit, adjusting for FX impact was stable at previous year levels, reflecting continued growth in business across almost all core markets with cost discipline and well-controlled cost of risk

Headline ROE annualized at 6.4%, underlying* ROE on constant FX basis at 6.8% reflecting robust return on capital despite continuing global economic uncertainty

Record level of Total Assets at $48.5bn with Strong capital and liquidity position,

positioning the Bank well for future growth and sustained resilience

*Adjusted for FX on a constant currency basis i.e., BRL -7%, EGP -14% Q3 2025 vs. Q3 2024

/13

‌Appendix: Normalized Financials

* TOI and taxes includes normalization of BRL currency over hedge. Headline TOI 2019 $865m, 2020 $646m, 2021 $854m, 2022 $1,101m. Note that underlying adjustment for BAB Cayman branch hedging is no longer material due to tax changes in Brazil and hence not considered for FY 23 onwards and YOY comparison above ** Liquid funds includes placements with banks & other financial institutions and securities bought under repurchase agreements. ***Change Year on Year

/14

‌Contact Us

For more information, contact us on

InvestorRelations@bank-abc.com

Bank ABC Head Office

P.O. Box 5698, Manama Kingdom of Bahrain

https://www.bank-abc.com

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