Boubyan Bank Investor Presentation

October 2022

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 NOT CONTAIN ALL OF THE INFORMATION THAT IS MATERIAL TO AN INVESTOR. This presentation has been prepared by (and is the sole responsibility of) Boubyan Bank K.S.C.P. (the "Bank").

The information herein may be amended and supplemented and may not as such be relied upon for the purposes of entering into any transaction. This presentation may not be reproduced (in whole or in part), distributed or transmitted to any other person without the Bank's prior written consent.

The information in this presentation and the views reflected therein are those of the Bank and are subject to change without notice. All projections, valuations and statistical analyses are provided to assist the recipient in the evaluation of the matters described herein. They may be based on subjective assessments and assumptions and may use one among alternative methodologies that produce different results and, to the extent that they are based on historical information, they should not be relied upon as an accurate prediction of future performance. These materials are not intended to provide the basis for any recommendation that any investor should subscribe for or purchase any securities.

This presentation does not disclose all the risks and other significant issues related to an investment in any securities/transaction.

Past performance is not indicative of future results. The Bank is under no obligation to update or keep current the information contained herein. No person shall have any right of action against the Bank or any other person in relation to the accuracy or completeness of the information contained in this presentation. No person is authorised to give any information or to make any representation not contained in and not consistent with this presentation, and, if given or made, such information or representation must not be relied upon as having been authorised by or on behalf of the Bank.

This presentation does not constitute an offer or an agreement, or a solicitation of an offer or an agreement, to enter into any transaction (including for the provision of any services). No assurance is given that any such transaction can or will be arranged or agreed.

Certain statements in this presentation may constitute forward-looking statements. These statements reflect the Bank's expectations and are subject to risks and uncertainties that may cause actual results to differ materially and may adversely affect the outcome and financial effects of the plans described herein. You are cautioned not to rely on such forward-looking statements. The Bank does not assume any obligation to update its view of such risks and uncertainties or to publicly announce the result of any revisions to the forward-looking statements made herein.

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Outline

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Boubyan's Performance & Strategy - At a glance

Income statement analysis

Balance sheet analysis

Capitalisation and Leverage

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Boubyan's Performance & Strategy - At a Glance

Financial Highlights

Financial snapshot

KD million

9M 2022

9M 2021

Growth %

Net Profit to shareholders

48.6

31.9

52%

Operating Income

153.1

140.9

9%

Operating Profit

79.1

76.2

4%

Total Assets

7,757

7,311

6%

Financing Portfolio

5,814

5,313

9%

Customer Deposits

5,807

5,449

7%

Earnings per share (Fils)

11.8

8.5

39%

Market share (%)

11.2

11.2

7.9

10.5

10.5

7.7

6.2

8.8

8.9

2017

2021

Aug-22

Assets (%)

Deposits (%)

Financing Portfolio (%)

Key Financial Metrics

Credit Ratings

9M 2022

9M 2021

Variance

Rating

Long

Outlook

Date

Agency

Term

Return on Average Equity (%)

8.7

6.8

2.0

Rating

Return on Average Assets (%)

0.9

0.6

0.3

A2

Stable

Apr

2022

Cost to Income (%)

48.3

45.9

2.4

A-

Positive

Feb

NPL Ratio (%)

1.0

0.9

0.1

2022

Capital Adequacy Ratio (%)

19.2

16.1

3.1

A

Stable

Mar

2022

Source: Financial statements, Boubyan analysis

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Boubyan Bank KSCP published this content on 23 October 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 23 October 2022 05:39:08 UTC.