Ava Capital Plc · NSENG:AVACAP
Ava Capital — Q3 2026 Earnings Presentation
23 slides from Ava Capital's earnings presentation, October 2026
Slide 1: AVA Capital Plc Investor Presentation Q3 2026 Results
AVA Capital Plc is registered and regulated by the Securities and Exchange Commission, Nigeria. AVA CAPITAL PLC INVESTOR PRESENTATION Q3 2026 RESULTS RC 1167339.
Slide 2: Disclaimer: Important notice
DISCLAIMER Important notice 01 02 03 Forward-looking statements Risks and uncertainties Information use and distribution AVA Capital PLC (“AVA Capital”, the “Company” or the Forward-looking statements rely on assumptions and are Apart from the Company’s historical financial information, “Group”) may
Slide 3: Table of Contents
TABLE OF CONTENTS Contents SECTION PAGE About AVA Capital Plc 01 At a glance, history, values, businesses, locations and ESG 4 Operating Environment 02 Nigerian macroeconomic backdrop and key indicators 10 Strategic Ambitions 03 2030 published targets 13 Financial Highlights 04 Q3 2026 results, earn
Slide 4: AVA Capital at a glance
01 · ABOUT AVA CAPITAL PLC AVA Capital at a glance 4 6,000+ ₦1.6t+ 4 REGULATED BUSINESSES CLIENTS AGGREGATE DEAL VALUE BUSINESS LOCATIONS (H1: 5,000+) (H1: ₦1.2t+) (H1: 3 Locations) Investment banking, asset Across all 36 states and the Federal Completed mandates across sectors, Lagos · Abuja · Port
Slide 5: Our history
01 · ABOUT AVA CAPITAL PLC Our history 2018 2019 2019 2020 2022 2024 2025 2026 Group Investment Asset AVA Trustees FMDQ Gold Award AVA Infrastructure 1 billion shares AVA Capital Plc commenced with banking arm management added to the for Most Active Fund listed and issued by private listed on the NG
Slide 6: Building enduring value
01 · ABOUT AVA CAPITAL PLC Building enduring value VISION MISSION To be Africa’s most trusted institutional financial To deliver sustainable long-term wealth creation to our clients, communities, and the broader partner, connecting capital to opportunity and economy through innovative financial solu
Slide 7: Four SEC-regulated businesses
01 · ABOUT AVA CAPITAL PLC Four SEC-regulated businesses AVA CAPITAL PLC Parent company and investment banking arm · Licensed by the SEC as an Issuing House 60% 70% 75% held held held AVA Global Asset Managers Limited AVA Securities Limited AVA Trustees Limited Registered and regulated by the Securi
Slide 8: Four business locations
01 · ABOUT AVA CAPITAL PLC Four business locations Lagos Head office Abuja 36 + FCT Business location States with AVA Capital clients The Group’s businesses serve clients in every state of the Country and the Port Harcourt Federal Capital Territory. Business location Kano Business location Offering
Slide 9: ESG practices
01 · ABOUT AVA CAPITAL PLC ESG practices Measured from incorporation to date 37 900+ 50% SUSTAINABILITY TRAININGS SMES SUPPORTED FEMALE REPRESENTATION Number of trainings conducted Small enterprises empowered Across board, management and workforce E Environment S Social G Governance • Energy-efficie
Slide 10: Nigerian macroeconomic backdrop: H1 2026
02 · OPERATING ENVIRONMENT Nigerian macroeconomic backdrop: H1 2026 Q1 2026 Q2 2026 • Government signalled transition from reform implementation to policy • External shocks from global oil market disruptions introduced renewed consolidation inflationary pressures • Sustained monetary tightening supp
Slide 11: Nigerian macroeconomic backdrop: Q3 2026
02 · OPERATING ENVIRONMENT Nigerian macroeconomic backdrop: Q3 2026 14.63% 23% 53.0 US$54.9bn+ HEADLINE INFLATION MONETARY POLICY RATE CBN COMPOSITE PMI FOREIGN RESERVES Eased from 15.39%; September 2026 NBS Reset from 26.5% by the CBN in September, up from 52.7 in August Value by September-end disp
Slide 12: From stabilisation to consolidation
02 · OPERATING ENVIRONMENT From stabilisation to consolidation Monetary Policy Rate (%) Headline Inflation Rate (%) 27.25% 27.50% 27.50% 34.80% 27.00% 27.00% 26.50% 26.50% 22.22% 20.00% 24.23% 15.15% 15.38% 15.91% 14.63% 23.00% Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2024
Slide 13: Our published 2030 targets
03 · STRATEGIC AMBITIONS Our published 2030 targets MEASURE TODAY PROGRESS TO 2030 2030 TARGET Clients 6,000+ 100,000 by 2030 Funds under management 4 funds 10 funds by 2030 Business branches 4 10 by 2030 Up from 3 Branches Profitability (PBT Margin) Q3: 45% Peer Average 38% Transaction Sponsor: the
Slide 14: Q3 2026: Group profit before tax ₦2.63 billion
04 · FINANCIAL HIGHLIGHTS Q3 2026: Group profit before tax ₦2.63 billion ₦’000 Group Q3 2026 Company Q3 2026 Company Q3 2025 Company growth, Q3 2025 to Q3 2026 Revenue 5,872,956 1,993,474 511,703 Total Income 4,384,893 1,993,474 511,703 Operating Expense (1,751,253) (647,264) (278,897) Revenue 3.9x
Slide 15: Earnings base: Company fee income up 154.8%
04 · FINANCIAL HIGHLIGHTS Earnings base: Company fee income up 154.8% Company income mix Group revenue composition, Q3 2026 (₦’000) Q3 2025 Q3 2026 Interest income 4,051,005 69.0% Fees and commission 1,263,025 21.5% Other income 558,925 9.5% SHARE OF INCOME Q3 2025 Q3 2026 Fees & commission 67% 44%
Slide 16: Operating leverage: Company margins widen
04 · FINANCIAL HIGHLIGHTS Operating leverage: Company margins widen Company margins, Q3 2025 → Q3 2026 Group profit bridge, Q3 2026 (₦’000) Q3 2025 Q3 2026 CHANGE 558,925 5,872,956 (1,488,063) 4,051,005 PBT margin 45.5% 67.5% +22.0 pp (1,751,253) Net profit margin 31.8% 47.3% +15.4 pp Cost-to-income
Slide 17: Returns: Group return on equity of 28.3%
04 · FINANCIAL HIGHLIGHTS Returns: Group return on equity of 28.3% Return on equity Return on assets Group Q3 2026 Group Q3 2026 28.3% 3.7% Company Q3 2026 Company Q3 2026 20.7% 17.8% Bars drawn on a common 0–30% scale. Key Highlights The Group and the Company delivered strong returns on equity, ref
Slide 18: Balance sheet and capital position
04 · FINANCIAL HIGHLIGHTS Balance sheet and capital position ₦’000 Group Q3 2026 Company Q3 2026 Company Dec 2025 Group total assets (₦’000) 94,427,214 Total Assets 94,427,214 10,071,865 8,161,641 Total Liabilities 81,041,732 1,176,418 237,388 Shareholders’ Equity 13,385,483 8,895,446 7,924,253 19,1
Slide 19: Leadership profile
05 · APPENDIX Leadership profile Dr. Adeyinka Adedeji Board composition Non-Executive Director 7 Directors Chairman of the Board of AVA Capital Plc, with over 20 years’ experience in digital banking 5 Non-executive and strategy. He was the Group Divisional Head of Digital Banking at UBA Group. He 2
Slide 20: A Board built for oversight
05 · APPENDIX A Board built for oversight Adebayo Odeyale Samson Adekunle Independent Non-Executive Director Non-Executive Director Managing Partner of SPremier HR Ltd, with Over 20 years in financial services and over 30 years in Human Resources, with enterprise-wide risk management. He was experie
Slide 21: Leadership with the record to match the ambition
05 · APPENDIX Leadership with the record to match the ambition Adejoke Ganiyu Adekunle Odebiyi Ag. Managing Director Managing Director Acting Managing Director of AVA Securities Managing Director of AVA Global Asset Limited, with over 13 years’ experience in Managers Limited, with over 14 years’ sec
Slide 22: AVA Capital Plc facts
05 · APPENDIX AVA Capital Plc facts Key information for shareholders and investors Share information Shareholding structure Exchange Nigerian Exchange (NGX), Main Board 76.94% Ticker symbol AVACAP Prosperis Holding Company Limited ISIN NGAVACAP0009 23.06% Other shareholders Sector Financial Services
Slide 23: Questions
Questions INVESTOR RELATIONS REGISTRAR REGISTERED OFFICE [email protected] Cordros Registrars Limited No. 1B, Professor Olagoke Olabisi Street [email protected] 131 Ikorodu Road, Onipan, Lagos Lekki, Eti-Osa, Lagos State [email protected] AVA Capital