Mashreqbank Psc · DFM:MASQ
Mashreqbank Psc — 9M 2026 Earnings Presentation
21 slides from Mashreqbank Psc's earnings presentation, October 2026
Slide 1: 9M 2026 Earnings Presentation
9M 2026 Earnings Presentation October 2026
Slide 2: Disclaimer
Disclamer The information contained herein has been prepared by Mashreq Bank PSC (“Mashreq”). The information in this presentation is general background information about Mashreq’s activities current at the date of the presentation. Mashreq relies on information obtained from sources believed to be
Slide 3: Table of Contents
Table of Contents 1. Performance Highlights 04 2. Financial Highlights 06 3. Macroeconomic Overview 15 4. Appendix 18
Slide 4: 1. Performance Highlights
1. Performance Highlights 4 9M 2026 Earnings Presentation
Slide 5: Key Highlights: 9M 2026
Performance Highlights Key Highlights: 9M 2026 • Operating income grew 11 % YoY to AED 10.4 billion, with non- interest income up 18 % to AED 3.9 Key Financial Performance in 9M 2026 billion, lifting its contribution to 37% of operating income and further diversifying earnings . • Net interest incom
Slide 6: 2. Financial Highlights
2. Financial Highlights 6 9M 2026 Earnings Presentation
Slide 7: Operating Income Rises to AED 10.4 Billion on Balanced Revenue Growth
Financial Highlights Operating Income Rises to AED 10.4 Billion on Balanced Revenue Growth AEDm 9M 2025 9M 2026 YoY (%) Q3 2025 Q3 2026 YoY (%) Key Highlights Total Operating Income 9,389 10,411 11% 3,202 3,584 12% • Net Interest Income increased by 7% YoY to AED 6.5 billion , as balance sheet growt
Slide 8: Strong Operating Profit Growth Supports Sustainable Returns
Financial Highlights Strong Operating Profit Growth Supports Sustainable Returns Operating Expense (AEDm) and Cost to Income Ratio (%) Key Highlights 6,000 33.0% • Operating expenses grew 13% YoY (4% QoQ) as Mashreq 32% 32% 31% continued to invest in strategic initiatives aimed at enhancing 31% 32.0
Slide 9: Broad-Based Growth Across All Business Segments
Financial Highlights Broad - Based Growth Across All Business Segments Kindly confirm if the highlights are correct Wholesale Banking (AEDm) Retail Banking (AEDm) Treasury & Global Markets (AEDm) • Largest business segment , accounting for 51% of assets, • Assets grew 54% YTD to AED 56 billion (14 %
Slide 10: Total Assets Cross AED 400 Billion as Lending Momentum Accelerates
Financial Highlights Total Assets Cross AED 400 Billion as Lending Momentum Accelerates AEDm Sep 2025 Sep 2026 YoY (%) Dec 2025 YTD (%) Key Highlights Loans and Advances to Banks 65,380 61,671 (6%) 65,721 (6%) • Total assets surpassed AED 400 billion, reaching AED 406 Net Loans and Advances to Custo
Slide 11: Best-in-Class Asset Quality Maintained
Financial Highlights Best - in - Class Asset Quality Maintained Non - Performing Loans (AEDm) NPL Ratio (%) Key Highlights • Best - in- class asset quality maintained despite continued balance sheet expansion with customer loans up 13 % QoQ, reflecting disciplined underwriting and resilient portfoli
Slide 12: Diversified Funding Base Supports Lending Growth
Financial Highlights Diversified Funding Base Supports Lending Growth Liability Mix (%) Customer Deposits (AEDm) Key Highlights +27% • Funding mix strengthened as higher repo and medium- term 2% Customer Deposits 6% funding complemented robust deposit inflows, creating a more 7% 227,190 237,090 dive
Slide 13: Liquidity Comfortably Above Regulatory Requirements – LCR at 124%
Financial Highlights Liquidity Comfortably Above Regulatory Requirements – LCR at 124% Liquid Assets* (AEDm) Liquid Asset Ratio (%) Key Highlights • Liquid assets stood at AED 92 billion (+14 % YoY), with a liquid asset ratio of 23%, as surplus liquidity built up in H1 2026 was deployed into lending
Slide 14: Robust Capital Position Supports Continuous Growth
Financial Highlights Robust Capital Position Supports Continuous Growth CET 1 Ratio (%) Tier 1 Capital Ratio (%) Key Highlights • Capital position remained robust , with CET 1 at 13 .2%, Tier 1 at 15 .6% and CAR at 16 .7%, providing a comfortable buffer over regulatory requirements at each level (in
Slide 15: 3. Macroeconomic Overview
3. Macroeconomic Overview 15 9M 2026 Earnings Presentation
Slide 16: UAE Economy: Highly Attractive, Strong and Resilient
Macroeconomic Overview UAE Economy: Highly Attractive, Strong and Resilient UAE: Nominal GDP (USDbn) and Real GDP Growth (1) (%) Oil and Non - Oil GDP Growth (1) (%) 7.5 4.3 6.6 6.2 2 nd largest economy in the GCC 1.6 8.6 Nominal GDP expected to reach USD 7.0 7.0 6.8 661 billion in 2026F 8.9 581 614
Slide 17: UAE Banking Sector: Strong Fundamentals Backing Promising Growth
Macroeconomic Overview UAE Banking Sector: Strong Fundamentals Backing Promising Growth Yield & Cost of Funds (%) NPL Ratio (Gross, %) Loan to Deposit Ratio (%) 5.0% 6.8% 8.0% 20.0% 6.3% 5.9% 7.0% 18.0% 4.0% 16.0% 6.0% 14.0% 2.6% 2.5% 5.0% 3.0% 2.2% 12.0% 79.4% 79.0% 77.7% 76.6% 4.0% 10.0% 5.9% 2.0%
Slide 18: 4. Appendix
4. Appendix 18 9M 2026 Earnings Presentation
Slide 19: Financial Highlights: Income Statement
Appendix Financial Highlights: Income Statement Income Statement (AEDm) 9M 2026 9M 2025 Δ% YoY Q3 2026 Q2 2026 Q3 2025 Δ% QoQ Δ% YoY Net Interest Income and Income from Islamic Financing 6,518 6,080 7% 2,293 2,187 2,119 5% 8% Fees & Commission 1,076 1,032 4% 360 248 388 45% (7%) Investment Income 59
Slide 20: Financial Highlights: Balance Sheet
Appendix Financial Highlights: Balance Sheet Balance Sheet Highlights (AEDm) Sep 2026 Sep 2025 Δ% YoY Sep 2026 Jun 2026 Dec 2025 Δ% QoQ Δ% YTD Loans to Customers 190,618 143,085 33% 190,618 169,088 164,349 13% 16% Loans to Banks 61,671 65,380 (6%) 61,671 62,043 65,721 (1%) (6%) Investments 83,659 47
Slide 21: Thank You!
Thank You! www.mashreq.com 21 9M 2026 Earnings Presentation