GFH Bank B.S.C. — Interim / Quarterly Report 2026

May 17, 2026

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CMP/MAY/2026/0009

نﻋﻼ إ

Announcement

	إﻋﻼن Announcement	إﻋﻼن Announcement	إﻋﻼن Announcement
Date	18/05/2026			اﻟﺗﺎرﯾﺦ
Company Name	ﻧك إف إﺗشش			إﺳم اﻟﺷرﻛﺔ
	ﺑ ﺟﻲ ..م.ب GFH Bank BSC
	...
Trading Code	GFH			رﻣز اﻟﺗداول
Subject	ﻧﺗﺎﺋﺞ اﻟﺑث اﻹﻟﻛﺗروﻧﻲ ﻟ ﺑﻧك ﺟﻲ إف إ ﺗش ﻟﻠﺑﯾﺎﻧﺎت اﻟﻣﺎﻟﯾﺔ ﻟﻠرﺑﻊ اﻷ ول ﻣن ﻋﺎم2026			اﻟﻣوﺿوع
	Results of GFH Bank’s Webcast for the first Quarter of 2026
	Financial Results
Information	ﺑﺎﻹﺷﺎرة اﻟﻰ اﻹﻓﺻﺎح اﻟﺻﺎدر ﻣن ﺑﻧك ﺟﻲ إف إﺗش ﺑﺗﺎرﯾﺦ10 ﻣﺎﯾو 2026 اﻟﻣﺗﻌﻠﻖ ﺑدﻋوة اﻟﻣﺳﺎھﻣﯾن واﻟﻣﺳﺗﺛﻣرﯾن ﻟﺣﺿور اﻟﺑث اﻹﻟﻛﺗروﻧﻲ ﻟﻠ ﺑﻧك ، ﯾﺳر ﺑﻧك اﻟ أن ﯾ ﺑﻠﻎ اﻟﻣﺳﺎھﻣﯾن واﻷﺳواق ﻋن ﻧﺟﺎح اﻟﻧدوة اﻟﺗﻲ ﺗم ﺑﺛﮭﺎ ﻋﺑر اﻻﻧﺗرﻧت ﯾوم اﻻﺛﻧﯾن اﻟﻣواﻓﻖ18 وﯾ ﻣﺎ2026 ﻓﻲ ﺗﻣﺎم اﻟﺳﺎﻋﺔ2:00 ارﮭظ ﺑﺗوﻗﯾت ﻣﻣﻠﻛﺔ اﻟﺑﺣرﯾن . ﻣرﻓﻖ ﻟﻛم اﻟﻌرض اﻟﺗﻘدﯾﻣﻲ ﺑﺎﻹﺿﺎﻓﺔ اﻟﻰ ﻧص ﻣﺣﺿر اﻟﻧدوة .			اﻟﻣﻌﻠوﻣﺔ
	Further to GFH’s market notification dated 10thMay 2026 on the
	subject, GFH is pleased to inform its shareholders and the markets about the successful live webcast session, which was broadcasted online on Monday, 18thMay 2026, at 2:00 p.m. Kingdom of Bahrain time. Attached herein is the presentation discussed during the session and the script of the live webcast.
Name		Mariam Jowhary	ﻣﺮﯾﻢﺟﻮھﺮي	اﻹﺳﻢ
Title		Head of Compliance & AML	رﺋﯿﺲ اﻹﻟﺘﺰاموﻣﻜﺎﻓﺤﺔ ﻏﺴ ﯿ ﻞ اﻻﻣﻮال	**اﻟﻤﺴﻤﻰ اﻟﻮظﯿﻔﻲ **
ﺧﺘﻢ اﻟﺸﺮﻛﺔ Company Seal			اﻟﺘﻮﻗﯿﻊ Signature

Q1 2026 Results Presentation

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18 May 2026

2

Strong Start to the Year with Accelerating Earnings Momentum

BUILDING ON THE STRONG PERFORMANCE ACHIEVED IN 2025, GFH HAS CONTINUED TO LEVERAGE ITS MOMENTUM IN Q1 2026, DEMONSTRATING ITS COMMITMENT TO ENHANCING SHAREHOLDER RETURNS AND ACHIEVING ITS STRATEGIC OBJECTIVES

CONSOLIDATED PROFITS (USDm) SHAREHOLDERS PROFITS (USDm) TOTAL INCOME (USDm)

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$151
$122
Q1 '25 Q1 '26
▲24% YoY
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$34 $35
$31 $30
Q1 '25 Q1 '26 Q1 '25 Q1 '26
▲12% YoY ▲16.5% YoY
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HIGHER YOY RETURNS TO OUR SHAREHOLDERS

NET PROFIT INCREASED +12% YOY, REFLECTING RESILIENT EARNINGS

STRONG GROWTH ACROSS KEY BUSINESS LINES

TOTAL EXPENSES (USDm)

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$117
$91
Q1 '25 Q1 '26
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▲ 27.9% YoY

ALIGNED WITH BUSINESS GROWTH AND STRATEGIC INITIATIVES

• Sustained growth trajectory, driven by a strengthened and diversified core revenue base, delivering enhanced shareholder value.

• Accelerating profit trajectory reflects disciplined execution, strong growth momentum, and resilient recurring income streams.

• Shareholders’ profit increased by ~16.5% YoY, reaching US$35.1m , reflecting solid earnings performance and highlighting GFH’s dedication to increasing shareholder value.

• Earnings per share increased by ~19% YoY, reaching US$1.01, underscoring continued profitability.

• Total income +24% YoY , driven by broad-based growth across all segments:

• WIM demonstrated resilience, contributing ~55% of total income.

• Credit & Financing contributed ~27%, a strong contribution reflecting disciplined execution and a wellestablished financing platform.

• Aligned with GFH’s expansion , operating expenses rose by ~27.9% YoY.

• Treasury & PI contributed ~19%, supported by stable returns.

2

Strong and Liquid Balance Sheet

CONSISTENT ASSET LEVELS REFLECTING THE STRENGTH AND RESILIENCE OF GFH’S FINANCIAL PERFORMANCE

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ASSETS & AUM (USDbn)
$24.1
$23.6
$20
$-
Dec '25 Q1 '26
▲2.1% QoQ
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ON TRACK TO ACHIEVE AUM TARGET BY IDENTIFYING INCOME GENERATING INVESTMENTS

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OWNER’S EQUITY (USDm)
$1,021
$907
Dec '25 Q1 '26
11.12% QoQ
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EQUITY REMAINS RESILIENT; QoQ CHANGE DRIVEN BY DIVIDENDS

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ROAE
15%
14%
Dec '25 Q1 '26
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HIGHER ANNUALIZED ROAE STANDING AT ~15%

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LIQUID ASSETS
45% Liquid Assets
55% Other Assets
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ROBUST LIQUIDITY PROFILE UNDERPINS FINANCIAL FLEXIBILITY

• Assets & AUM stand at approximately $24.1bn, up ~2.1% QoQ , supported by a well-diversified base of recurring-yield assets..

• Continued momentum keeps the Bank well positioned to deliver on its AUM ambitions.

• Shareholders’ equity stood at ~$907m, the decline is primarily reflecting dividend distribution in Q4 2025 .

• Underlying capital strength remains solid, supporting ongoing business growth and resilience.

• ROAE improved to ~15% , reflecting strong underlying fundamentals and disciplined execution across business lines.

• Our liquidity position remains robust, with liquid assets holding ~45% in cash and treasury portfolio which totals to ~$5.4bn as of Q1 2026.

• Position ensures the Bank is wellequipped to navigate market conditions while capturing opportunities.

2

Solid Capitalization and Liquidity Buffer Supporting Growth

ALL REGULATORY RATIOS ARE COMFORTABLY EXCEEDING REGULATORY REQUIRMENTS UNDERSCORING THE BANK’S FINANCIAL RESILIENCE AND PRUDENT RISK MANAGEMENT

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CAPITAL ADEQUACY RATIO (CAR) TIER 1 CAPITAL NSFR LCR
135% 136% 178%
138%
16.6%
14.2% 15.9%
13.5%
100% 100%
12.5%
10.5%
$- $-
Dec '25 Q1 '26 Dec '25 Q1 '26 Dec '25 Q1 '26 Dec '25 Q1 '26
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STRONG CAPITAL BUFFER: CAR STANDS AT 14.23% ABOVE THE REGULATORY LEVEL OF 12.5%

13.5% TIER 1 VERSUS 10.5% REGULATORY LEVEL, REFLECTING HIGH-QUALITY CORE CAPITAL

NSFR AT 136%, SIGNIFICANTLY EXCEEDING REGULATORY MINIMUMS

LCR STANDS AT 138% VERSUS 100% REGULATORY LEVEL

• CAR stood at 14.23% as of Q1 2026, remaining comfortably above the 12.5% regulatory requirement , highlighting the Bank’s resilient capital position despite challenging regional conditions.

• Tier 1 capital ratio stood at 13.5%, continuing to exceed the 10.5% regulatory threshold , reflecting sustained core capital strength.

• NSFR improved to 136%, well above the 100% regulatory minimum , demonstrating strong and stable funding and liquidity positioning.

• LCR stood at 138%, maintaining a solid buffer above the 100% regulatory requirement, underscoring prudent liquidity management under evolving market conditions.

Wealth and Investment Management

5

Income (USDm) – Wealth & Investment Management

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83
52
Q1 '25 Q1 '26
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Segment Contribution

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Treasury &
Wealth & Investment
Proprietary
Management
Investments
19%
55%
26%
Credit & Financing
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DISCIPLINED EXECUTION ACROSS A DIVERSIFIED INVESTMENT PLATFORM

• Our core business line, Wealth and Investment Management (WIM), continues to serve as a key profitability driver contributing ~55% of total income increasing ~60% YoY.

• Led by performance fees and recurring management fees reinforcing income stability, underscoring platform strength and disciplined execution across managed assets.

• Our portfolio across the GCC, UK, Europe, and US performed strongly , with the focus on defensive, recession-proof sectors continuing to deliver value for investors and shareholders.

• As communicated earlier, as part of our strategy to focus on the logistics sector, we have successfully sealed a strategic partnership to develop a 55,000 sqm integrated ready-built factory complex in Riyadh, reinforcing our focus on industrial & logistics opportunities in Saudi Arabia.

Credit and Financing

6

Income (USDm) – Credit & Financing

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40
33
Q1 '25 Q1 '26
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Segment Contribution

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Treasury & Wealth & Investment
Proprietary
Management
Investments
19%
55%
26%
Credit & Financing
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A ROBUST CREDIT PLATFORM DELIVERING CONSISTENT GROWTH AND DIVERSIFIED RETURNS

• The Credit and Financing segment continues to deliver strong, recurring contributions, accounting for approximately 26% of total income , reinforcing the Bank’s diversified earnings base.

• The segment achieved robust income growth of ~20.3% YoY, reaching approximately US$40 million in Q1’26 compared to US$33.2 million in Q1’25 , supported by disciplined execution and a well-established financing platform.

• Maintained focus on prudent risk management and selective financing opportunities, reinforcing the resilience and consistency of this business line amid evolving market conditions.

• Khaleeji Bank’s precautionary provisions were elevated due to macroeconomic conditions and prudent risk management.

Treasury and Proprietary Investments

7

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Income (USDm) – Treasury & Proprietary Investments
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37
29
Q1 '25 Q1 '26
Treasury & Wealth & Investment
Proprietary Management
Investments
19%
55%
26%
Credit & Financing
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Segment Contribution

A KEY BUSINESS LINE ENABLING STABLE INCOME CONTRIBUTION

• Treasury & Proprietary Investments delivered a recurring positive contribution , driven by:

• Disciplined treasury management

• Selective market positioning

• Optimized asset allocation

• Prudent risk management enabled the segment to navigate challenging conditions while capturing attractive opportunities.

• Proprietary Investments continued to perform in line with the Board’s strategic direction.

Share Price Performance

8

SHARE PRICE PERFORMANCE OF GFH VS. DUBAI FINANCIAL MARKET GENERAL INDEX (REBASED TO 100)*

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GFH DB Equity DFMGI Index Geopolitical Tensions
AED
2.20
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US $2.3bn

Market Cap

+103.5%

Outperformance vs DFM General Index YoY

GFH’s share price increased by 110%+ YoY, reflecting strengthening investor confidence. Despite the geopolitical developments in the GCC during Q1 ‘26, GFH’s share price (ex-dividend) fully recovered and materially outperformed the DFM (Dubai Financial Market) General Index by 100%+ on a YoY basis.

• Market Price as of 14 May 2026 in DFM

Selected ESG Initiatives Accomplished During Q1 2026

11

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1
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Fostering Continuous Learning and Innovation

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Continued to advance employee knowledge and engagement through the Bank’s internal “Minds at Work” platform, including sessions focused on AI, innovation and the future of work, supporting a culture of continuous learning and responsible business practices.

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2
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Supporting National Sports and Community Engagement

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Backed national sports and community initiatives via partnership with the General Sports Authority for Bahrain Capital of Arab Sports Culture 2026, including Bahrain Sports Day and the Bahrain Sports Summit.

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3
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Preserving National Heritage and Cultural Identity

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Continued support for national heritage through partnership with His Majesty the King’s Cup Festival, reflecting the Bank’s commitment to Bahrain’s traditions and identity..

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For more information, contact us on

srelations@gfh.com

Disclaimer

GFH Bank ("GFH"), on its behalf and on behalf of any affiliate, subsidiary and other members of its group of companies (the "Group") give notice that:

1. Any information contained in this presentation (the "Presentation") has been prepared by GFH solely for informational purposes and should not be construed as an offer to buy, sell or otherwise be construed as a solicitation of an offer to buy or sell any security or instrument, enter into any contract, or to participate in any transaction or trading activity.

2. The Presentation may contain forecasts and other forward-looking statements. Forward-looking statements give the Group’s current expectations or forecasts of future events. No assurance can be given that any particular expectation will be met and investors are cautioned not to place undue reliance on forward-looking statements.

3. None of the statements contained in this Presentation is to be relied upon as a statement or representation of fact. The contents of the Presentation are based upon or derived from information generally believed to be reliable although no representation is made that it is accurate or complete. GFH and the Group (including any of their respective directors, officers, employees and advisors) do not make or give any representation or warranty whatsoever in relation to this Presentation. All statements contained in this Presentation are made without responsibility on the part of GFH or the Group or their advisors (including their respective directors, officers and employees).

4. This Presentation and the information contained herein is not intended to be a source of advice or credit analysis with respect to the material presented, and the information and/or documents contained in this Presentation do not constitute investment advice. All parties that are in receipt of the Presentation are expected to seek their own independent financial, business, legal and tax advice.

5. All parties that participate in the webcast where the Presentation is made, or otherwise receive copies (in any format) of the Presentation must satisfy themselves as to the correctness of each of the statements contained in this Presentation. 6. This Presentation may not be stored, copied, distributed, transmitted, retransmitted or reproduced, in whole or in part, in any form or medium, without the prior consent of GFH.

7. Amounts, values and figures used in the Presentation may be rounded off to the closest whole-number or otherwise as indicated in the Presentation. Therefore, note that there may be rounding differences throughout the Presentation.

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GFH Bank Reports Results for Q1 2026

Attendees from GFH Bank:

Mr. Kapil Kothari, Acting Chief Financial Officer

A very good afternoon and a warm welcome to GFH Bank’s Quarter one performance results presentation. My name is Kapil Kothari, Acting Chief Financial Officer and I will walk you through the key highlights of our financial performance for the first quarter of 2026.

We are pleased to report that GFH continued to deliver strong financial performance despite the impact of regional developments and heightened market uncertainty during the reported period. Our robust strategy has provided us with the stability needed to continue our growth during this challenging period.

The continued improvement in return on equity reinforces the strength of our diversified platform, disciplined execution, and our ability to translate strategic priorities into measurable outcomes.

Let me begin with a summary of our key financial highlights:

• GFH delivered double digit growth in consolidated net profit for the first quarter of 2026 by ~12% YoY to US$34m.

• ~16.5% growth in net profit attributable to shareholders standing at US$35m for the first 3 months of 2026 compared to $30m for the similar period last year.

• All core business segments of the Bank continued to contribute meaningfully to overall revenue generation.

• Total income for the quarter increased by ~24% YoY to US$ 151 million

• In line with strategic initiatives and business growth, total expenses increased by ~27.9% YoY.

• The Bank’s earnings per share this quarter have risen to US$ 1.1 compared to 0.85 in Q1 2025, presenting a ~19% YoY growth, reinforcing the Bank’s profitable trajectory.

• The Bank’s total assets and assets under management have further grown by ~2.1% QoQ to $24.1bn as of 31 March 2026. This growth was underpinned by a diversified portfolio of income generating assets.

• We continue to maintain a strong liquidity position, with liquid assets forming roughly 45% of total assets.

• Shareholders’ equity stood at $907m. Our performance translates to a higher return on average equity as of March end 2026, which stands at ~15% compared to ~14% in December of 2025.

Solid Capitalization, Liquidity and Funding Levels:

We continue to demonstrate a robust capital and liquidity position, with a capital adequacy ratio of 14.2% , a liquidity coverage ratio of 138% , and a net stable funding ratio of 136% all comfortably exceeding regulatory requirements and underscoring the Bank’s strong financial resilience and prudent risk management despite challenging regional conditions.

We will now turn to the key highlights across our three core business lines, along with their respective contributions to this quarter’s revenues.

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The Bank delivered a strong performance across its key business segments in the first quarter of 2026, supported by the strength of its diversified platform, disciplined execution, and its ability to sustain growth despite the regional environment.

Wealth and Investment Management –

Our core business line, Wealth and Investment Management, contributed ~55% of the Bank’s total income for the quarter, demonstrating an ~60% increase YoY to US$83m this quarter, from US$52m in the first quarter of 2025.

Wealth and Investment Management income was driven by performance fees, complemented by recurring management fees highlighting the strength of our investment platform and disciplined execution across managed assets.

Our diverse investment portfolio, spanning the GCC, the UK, Europe, and the US, performed robustly, with our strategy of targeting defensive, recession-proof sectors once again proving effective in creating value for investors and shareholders.

As communicated earlier, as part of our strategy to focus on the industrial and logistics sector, we have successfully sealed a strategic partnership to develop a 55,000 sqm integrated ready-built factory complex in Riyadh.

At the heart of our achievements there remains a clear strategic focus on diversification and sustainable growth, supported by targeted investments in sectors with strong underlying fundamentals. This disciplined approach has been instrumental in driving our continued success, reinforcing our commitment to creating long-term value for our investors and shareholders, while maintaining a strong focus on impactful and high-quality investments.

Credit and Financing –

The Bank’s credit and financing business lines contributed ~26% of the Bank’s total income, recurring income that reinforces the Bank’s diversified earnings base.

The segment achieved robust income growth of ~20.3% YoY, reaching approximately US$40 million in Q1’26 compared to US$33.2 million in Q1’25, supported by disciplined execution and a well-established financing platform.

We maintained a disciplined approach to risk management and remained selective in financing opportunities. This continues to reinforce the resilience and consistency of the business line through evolving market conditions.

Khaleeji Bank’s provision was elevated due to macro macroeconomic conditions and prudent risk management.

Treasury and Proprietary Investments –

The Treasury & Proprietary Investments segment maintained a sound contribution during the quarter. Treasury performance was driven by disciplined treasury management, selective market positioning and optimized asset allocation.

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Supported by prudent risk management, the segment effectively navigated challenging market conditions while capturing attractive opportunities.

Proprietary Investments also continued to deliver positive performance, executing in line with the Board’s strategic direction.

Share Price Highlights:

We would like to give some insights into the Bank’s share price performance.

During the first quarter of the year, heightened geopolitical developments in the GCC contributed to increased market uncertainty and elevated volatility across regional and global markets. Despite a volatile market, GFH’s stock price (ex-dividends) recovered fully outperforming the DFM general index by 100%+ on a YoY basis.

ESG Highlights:

Across the Bank, we remain committed to advancing our ESG agenda through a range of impactful initiatives. During the quarter, we continued to strengthen our efforts across key areas, including:

1. Employee development and engagement – We further enhanced internal capabilities through the Bank’s “Minds at Work” platform, delivering sessions focused on artificial intelligence, innovation, and the future of work. These initiatives support a culture of continuous learning and reinforce our commitment to responsible and forward-looking business practices.

2. Community and national engagement – We actively supported national sports and community initiatives through our partnership with the General Sports Authority for Bahrain Capital of Arab Sports Culture 2026, including participation in Bahrain Sports Day and the Bahrain Sports Summit.

3. Cultural and heritage support – We continued to promote Bahrain’s rich heritage through our partnership with His Majesty the King’s Cup Festival, reflecting the Bank’s ongoing commitment to initiatives that celebrate national identity and cultural legacy.

Closing remarks:

I want to thank all our shareholders, partners, and colleagues for their continued trust and commitment.

With a robust strategy in place and building on GFH’s resilience in navigating heightened macroeconomic and geopolitical conditions, we look ahead to the remainder of 2026 with confidence and a continued focus on accelerating our growth trajectory.

We remain committed to expanding our investments through a diverse and active pipeline of opportunities, while maintaining a disciplined approach to capital deployment and continuing to drive resilient growth across our core businesses to deliver sustainable value for our shareholders.

Looking forward to another quarter of continued progress.

I would like to thank you for your time this afternoon and open the floor for any questions you may have.

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ﺟﻲ إف إﺗش ﻟﻠرﺑﻊ اﻷول ﻣن ﻋﺎم 2026 ﺗﻘرﯾر ﻧﺗﺎﺋﺞ ﺑﻧك

:اﻟﺣﺿور ﻣن ﺑﻧك ﺟﻲ إف إﺗش اﻟﻣﺎﻟﻲ اﻟﻣدﯾراﻟﺳﯾد ﻛﺎﺑﯾل ﻛوﺛﺎري، اﻟﻘﺎﺋم ﺑﺄﻋﻣﺎل

ﻛﺎﺑﯾل ﻛوﺛﺎري، اﺳﻣﻲ. ﻣن ﻋﺎم 2026 ﺟﻲ إف إﺗش ﻟﻠرﺑﻊ اﻷول ﺑﻧك ﺑﻛم ﻓﻲ ﻋرض ﻧﺗﺎﺋﺞ أداءوأرﺣب ، ﺟﻣﯾﻌًﺎ ﻣﺳﺎء اﻟﺧﯾر . أداﺋﻧﺎ اﻟﻣﺎﻟﻲ ﻟﻠرﺑﻊ اﻷول ﻣن ﻋﺎم 2026وﺳﺄﻗدّم ﻟﻛم أھم ﻣؤﺷرات اﻟﻣﺎﻟﻲ، اﻟﻣدﯾراﻟﻘﺎﺋم ﺑﺄﻋﻣﺎل

ﻓﻲ واﻟﺗﻘﻠﺑﺎت اﻹﻗﻠﯾﻣﯾﺔ ت ﺗﺄﺛﯾر اﻟﺗطوراﺟﻲ إف إﺗش واﺻل ﺗﺣﻘﯾﻖ أداء ﻣﺎﻟﻲ ﻗوي، ﻋﻠﻰ اﻟرﻏم ﻣن ﺑﻧك ﯾﺳرﻧﺎ اﻹﻋﻼن أن ﻟﻣواﺻﻠﺔ اﻟﻧﻣو ﺧﻼل ھذه اﻟﻔﺗرة. اﻻﺳﺗﻘرار اﻟﻼزم . وﻗد وﻓرت ﻟﻧﺎ اﺳﺗراﺗﯾﺟﯾﺗﻧﺎ اﻟﻘوﯾﺔ ةﺗر اﻟﻔ ه ذھاﻷﺳواق ﺧﻼل

ﯾﻌزز ﻗوة ﻣﻧﺻﺗﻧﺎ اﻟﻣﺗﻧوﻋﺔ واﻧﺿﺑﺎطﻧﺎ ﻓﻲ اﻟﺗﻧﻔﯾذ، وﻗدرﺗﻧﺎ ﻋﻠﻰ ﻣﯾنﺎھﻣﺳﻛﻣﺎ أن اﻟﺗﺣﺳن اﻟﻣﺳﺗﻣر ﻓﻲ اﻟﻌﺎﺋد ﻋﻠﻰ ﺣﻘوق اﻟ . ﯾﺎسﺔ ﻟﻠﻘﺎﺑﻠﻗاﻷوﻟوﯾﺎت اﻻﺳﺗراﺗﯾﺟﯾﺔ إﻟﻰ ﻧﺗﺎﺋﺞ وﯾلﺗﺣ

: اﺳﻣﺣوا ﻟﻲ ﻓﻲ اﻟﺑداﯾﺔ أن أﻗوم ﺑﺎﺳﺗﻌراض أﺑرز اﻟﻣؤﺷرات اﻟﻣﺎﻟﯾﺔ

، ﻋﻠﻰ أﺳﺎس ﺳﻧوي% ﺑﻧﺳﺑﺔ ﺗﻘﺎرب12 ﻓﻲ ﺻﺎﻓﻲ اﻟرﺑﺢ اﻟﻣوﺣد ﻟﻠرﺑﻊ اﻷول ﻣن ﻋﺎم 2026 ﻧﻣوا ﺣﻘﻖ ﺑﻧك ﺟﻲ إف إﺗش .ﻣﻠﯾون دوﻻر أﻣرﯾﻛﻲ ﻟﯾﺻل إﻟﻰ ﻧﺣو34 ﻣﻠﯾون دوﻻر أﻣرﯾﻛﻲ ﺧﻼل اﻷﺷﮭر 35 ، ﻟﯾﺻل إﻟﻰ ﻧﺣو%ﺑﻧﺳﺑﺔ 16.5 ﻧﻣوا • ﺑﻠﻎ ﺻﺎﻓﻲ اﻟرﺑﺢ اﻟﻌﺎﺋد ﻋﻠﻰ اﻟﻣﺳﺎھﻣﯾن .ﻣﻠﯾون دوﻻر أﻣرﯾﻛﻲ ﻟﻠﻔﺗرة ﻧﻔﺳﮭﺎ ﻣن اﻟﻌﺎم اﻟﻣﺎﺿﻲ ﺑـ30اﻟﺛﻼﺛﺔ اﻷوﻟﻰ ﻣن ﻋﺎم 2026، ﻣﻘﺎرﻧﺔ

اﻹﯾرادات. ﻘﯾﻖﺣ• واﺻﻠت ﺟﻣﯾﻊ ﺧطوط اﻷﻋﻣﺎل اﻷﺳﺎﺳﯾﺔ ﻟﻠﺑﻧك ﻣﺳﺎھﻣﺗﮭﺎ اﻟﻔﺎﻋﻠﺔ ﻓﻲ ﺗ .ﻣﻠﯾون دوﻻر أﻣرﯾﻛﻲ 151 ﻋﻠﻰ أﺳﺎس ﺳﻧوي، ﻟﯾﺻل إﻟﻰ ﻧﺣو% • ارﺗﻔﻊ إﺟﻣﺎﻟﻲ اﻟدﺧل ﻟﻠرﺑﻊ ﺑﻧﺳﺑﺔ ﺗﻘﺎرب24 . ﻋﻠﻰ أﺳﺎس ﺳﻧوي% • ﺗﻣﺎﺷﯾًﺎ ﻣﻊ ﻣﺑﺎدراﺗﻧﺎ اﻻﺳﺗراﺗﯾﺟﯾﺔ وﻧﻣو اﻷﻋﻣﺎل، ارﺗﻔﻊ إﺟﻣﺎﻟﻲ اﻟﻣﺻروﻓﺎت ﺑﻧﺳﺑﺔ ﺗﻘﺎرب27.9 ، دوﻻر ﻓﻲ اﻟرﺑﻊ اﻷول ﻣن ﻋﺎم2025 ﺑـ0.85 دوﻻر أﻣرﯾﻛﻲ ﺧﻼل ھذا اﻟرﺑﻊ، ﻣﻘﺎرﻧﺔ • ارﺗﻔﻌت رﺑﺣﯾﺔ اﻟﺳﮭم إﻟﻰ1.1 .، ﻣﻣﺎ ﯾﻌزز اﻟﻣﺳﺎر اﻟرﺑﺣﻲ ﻟﻠﺑﻧك% ﯾﻘﺎرب19 ﻧﻣوا ﻣﺣﻘﻘﺔ

ﻋﻠﻰ أﺳﺎس رﺑﻊ ﺳﻧوي، ﻟﺗﺻل إﻟﻰ% • ﻛﻣﺎ واﺻﻠت اﻷﺻول واﻷﻣوال ﺗﺣت اﻹدارة ﻟدى اﻟﺑﻧك ﻧﻣوھﺎ ﺑﻧﺳﺑﺔ ﺗﻘﺎرب2.1 .، ﻣدﻋوﻣﺔ ﺑﻣﺣﻔظﺔ ﻣﺗﻧوﻋﺔ ﻣن اﻷﺻول اﻟﻣدرة ﻟﻠدﺧل ﻣﺎرس2026 ﻣﻠﯾﺎر دوﻻر أﻣرﯾﻛﻲ ﻛﻣﺎ ﻓﻲ31 24.1 . ﻣن إﺟﻣﺎﻟﻲ اﻷﺻول% • ﻧواﺻل اﻟﺣﻔﺎظ ﻋﻠﻰ ﻣرﻛز ﺳﯾوﻟﺔ ﻗوي، ﺣﯾث ﺗﻣﺛل اﻷﺻول اﻟﺳﺎﺋﻠﺔ ﻧﺣو45

ﻣﻼﯾﯾن دوﻻر أﻣرﯾﻛﻲ. اﻧﻌﻛس أداؤﻧﺎ ﻓﻲ ارﺗﻔﺎع اﻟﻌﺎﺋد ﻋﻠﻰ ﻣﺗوﺳط ﺣﻘوق ﺣﻘوق اﻟﻣﺳﺎھﻣﯾن ﻧﺣو 907 ﺎﻟﻲﺟﻣ إ • ﺑﻠﻐت . 2025 ﻓﻲ دﯾﺳﻣﺑر% ﺑﻧﺣو14 ، ﻣﻘﺎرﻧﺔ2026 ﻓﻲ ﻧﮭﺎﯾﺔ ﻣﺎرس%اﻟﻣﺳﺎھﻣﯾن ﻟﯾﺑﻠﻎ ﻧﺣو 15.2

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، وﻧﺳﺑﺔ ﺗﻐطﯾﺔ اﻟﺳﯾوﻟﺔ%ﻗوﯾﺔ ﻣن رأس اﻟﻣﺎل واﻟﺳﯾوﻟﺔ، ﺣﯾث ﺑﻠﻐت ﻧﺳﺑﺔ ﻛﻔﺎﯾﺔ رأس اﻟﻣﺎل 14.2 ﺔﻧﺳﺑ ﻧواﺻل اﻟﺣﻔﺎظ ﻋﻠﻰ 136. وﺗﻔوق ھذه اﻟﻣﺳﺗوﯾﺎت اﻟﻣﺗطﻠﺑﺎت اﻟﺗﻧظﯾﻣﯾﺔ، ﻣﻣﺎ ﯾﻌﻛس اﻟﻣرﻛز اﻟﻣﺎﻟﻲ% ، وﻧﺳﺑﺔ ﺻﺎﻓﻲ اﻟﺗﻣوﯾل اﻟﻣﺳﺗﻘر%138 إدارة اﻟﻣﺧﺎطر، رﻏم اﻟﺗﺣدﯾﺎت اﻹﻗﻠﯾﻣﯾﺔ. ﮫ رﺗ دﻗﻟﻠﺑﻧك و ويﻘ اﻟ

.وﺳﻧﻧﺗﻘل اﻵن إﻟﻰ أﺑرز أداء ﺧطوط أﻋﻣﺎﻟﻧﺎ اﻟﺛﻼﺛﺔ وﻣﺳﺎھﻣﺎﺗﮭﺎ ﻓﻲ إﯾرادات ھذا اﻟرﺑﻊ

، ﻣدﻋوﻣًﺎ ﺑﻘوة ﻣﻧﺻﺗﮫ اﻟﻣﺗﻧوﻋﺔ، واﻧﺿﺑﺎطﮫاﻷول ﻣن ﻋﺎم 2026ﻊ رﺑﻟﻠ ﺣﻘﻖ اﻟﺑﻧك أداءً ﻗوﯾًﺎ ﻋﺑر ﻗطﺎﻋﺎت أﻋﻣﺎﻟﮫ اﻟرﺋﯾﺳﯾﺔ ﻓﻲ اﻟﺗﻧﻔﯾذ، وﻗدرﺗﮫ ﻋﻠﻰ ﻣواﺻﻠﺔ اﻟﻧﻣو.

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: اتإدارة اﻟﺛروات واﻻﺳﺗﺛﻣﺎر

ﻧﻣوا ﻣن إﺟﻣﺎﻟﻲ دﺧل اﻟﺑﻧك ﺧﻼل اﻟرﺑﻊ، ﻣﺳﺟﻼ%ﺑﻧﺣو 55 ﺳﺎھم ھذا اﻟﻘطﺎع، وھو أﺣد ﺧطوط اﻷﻋﻣﺎل اﻷﺳﺎﺳﯾﺔ ﻟﻠﺑﻧك، ﻣﻠﯾون ﺑـ51 ﻣﻠﯾون دوﻻر أﻣرﯾﻛﻲ ﺧﻼل ھذا اﻟرﺑﻊ، ﻣﻘﺎرﻧﺔ ﻋﻠﻰ أﺳﺎس ﺳﻧوي، ﻟﯾﺻل إﻟﻰ82 60%ﻗوﯾًﺎ ﺑﻧﺳﺑﺔ ﺗﻘﺎرب . دوﻻر أﻣرﯾﻛﻲ ﻓﻲ اﻟرﺑﻊ اﻷول ﻣن ﻋﺎم 2025

ﺑﻣﺎ ﯾﻌﻛس ﻗوة اﻟﻣﺗﻛررة،ﻣن رﺳوم اﻹدارة ھﻣﺔﻣﺳﺎﺗﺣﻘﻖ دﺧل إدارة اﻟﺛروات واﻻﺳﺗﺛﻣﺎر ﺑﻔﺿل رﺳوم اﻷداء، ﻣﻊ وﻗد اﻟﻣﻧﺻﺔ اﻻﺳﺗﺛﻣﺎرﯾﺔ ﻟﻠﺑﻧك واﻧﺿﺑﺎط اﻟﺗﻧﻔﯾذ ﻋﺑر اﻷﺻول اﻟﻣدارة.

وﻗد ﺣﻘﻘت ﻣﺣﻔظﺗﻧﺎ اﻻﺳﺗﺛﻣﺎرﯾﺔ اﻟﻣﺗﻧوﻋﺔ، اﻟﺗﻲ ﺗﻣﺗد ﻋﺑر دول ﻣﺟﻠس اﻟﺗﻌﺎون اﻟﺧﻠﯾﺟﻲ واﻟﻣﻣﻠﻛﺔ اﻟﻣﺗﺣدة وأوروﺑﺎ واﻟوﻻﯾﺎت ، ﺣﯾث أﺛﺑﺗت اﺳﺗراﺗﯾﺟﯾﺗﻧﺎ اﻟﻘﺎﺋﻣﺔ ﻋﻠﻰ اﺳﺗﮭداف اﻟﻘطﺎﻋﺎت اﻟدﻓﺎﻋﯾﺔ واﻟﻣﻘﺎوﻣﺔ ﻟﻠرﻛود ﻓﻌﺎﻟﯾﺗﮭﺎ ، ﺗﺣﻘﯾﻖ أداء ﻗوياﻟﻣﺗﺣدة ﻣﺟددًا ﻓﻲ ﺧﻠﻖ اﻟﻘﯾﻣﺔ ﻟﻠﻣﺳﺗﺛﻣرﯾن واﻟﻣﺳﺎھﻣﯾن.

ﺗم إﺑرام ﺷراﻛﺔ اﻟﻠوﺟﺳﺗﯾﺔ،ﻟﻠﺗرﻛﯾز ﻋﻠﻰ ﻗطﺎﻋﻲ اﻟﺻﻧﺎﻋﺔ واﻟﺧدﻣﺎت ﺎإطﺎر اﺳﺗراﺗﯾﺟﯾﺗﻧﺎ، وﻓﻲ وﻛﻣﺎ ﺗم اﻹﻋﻼن ﺳﺎﺑﻘ . ﻣﺗر ﻣرﺑﻊاﺳﺗراﺗﯾﺟﯾﺔ ﻟﺗطوﯾر ﻣﺟﻣﻊ ﻣﺗﻛﺎﻣل ﻟﻠﻣﺻﺎﻧﻊ اﻟﺟﺎھزة ﻓﻲ ﻣدﯾﻧﺔ اﻟرﯾﺎض ﻋﻠﻰ ﻣﺳﺎﺣﺔ 55,000

، ﻣدﻋوﻣًﺎ ﺑﺎﺳﺗﺛﻣﺎرات ﺗرﻛﯾزﻧﺎ اﻻﺳﺗراﺗﯾﺟﻲ راﺳﺧًﺎ ﻋﻠﻰ ﺗﻌزﯾز اﻟﺗﻧوﯾﻊ ودﻓﻊ اﻟﻧﻣو اﻟﻣﺳﺗدام إﻧﺟﺎزاﺗﻧﺎ، ﯾظلوﻓﻲ ﺻﻣﯾم ، وﺗﻌزﯾز اﻟﺗزاﻣﻧﺎ ﺑﺧﻠﻖ وﻗد أﺳﮭم ھذا اﻟﻧﮭﺞ اﻟﻣﻧﺿﺑط ﻓﻲ ﺗﺣﻘﯾﻖ ﻧﺟﺎﺣﻧﺎ اﻟﻣﺳﺗﻣر ﻣوﺟﮭﺔ ﻓﻲ ﻗطﺎﻋﺎت ﺗﺗﻣﺗﻊ ﺑﺄﺳس ﻗوﯾﺔ. ﻗﯾﻣﺔ طوﯾﻠﺔ اﻷﻣد ﻟﻣﺳﺗﺛﻣرﯾﻧﺎ وﻣﺳﺎھﻣﯾﻧﺎ، ﻣﻊ اﻟﺣﻔﺎظ ﻋﻠﻰ ﺗرﻛﯾز ﻗوي ﻋﻠﻰ اﻻﺳﺗﺛﻣﺎرات ﻋﺎﻟﯾﺔ اﻟﺟودة.

اﻻﺋﺗﻣﺎن واﻟﺗﻣوﯾل

.اﻟﺑﻧك، وھو دﺧل ﻣﺗﻛرر ﯾﻌزز ﻗﺎﻋدة اﻷرﺑﺎح اﻟﻣﺗﻧوﻋﺔ ﻟﻠﺑﻧك ﻣن إﺟﻣﺎﻟﻲ دﺧل%6ﺳﺎھم ﻗطﺎع اﻻﺋﺗﻣﺎن واﻟﺗﻣوﯾل ﺑﻧﺣو 2 ﻣﻠﯾون دوﻻر أﻣرﯾﻛﻲ ﻓﻲ اﻟرﺑﻊ اﻷول ﻣن ﻟﯾﺻل إﻟﻰ ﻧﺣو39.9 ،%ﻗوﯾًﺎ ﺑﻧﺳﺑﺔ ﺗﻘﺎرب 20.3 ﻧﻣواوﻗد ﺣﻘﻖ ھذا اﻟﻘطﺎع ﺑﺟودة اﻷﺻول واﻧﺿﺑﺎط ﻣﻠﯾون دوﻻر أﻣرﯾﻛﻲ ﻓﻲ اﻟرﺑﻊ اﻷول ﻣن ﻋﺎم2025، ﻣدﻋوﻣًﺎ ﺑـ33.2ﻋﺎم 2026، ﻣﻘﺎرﻧﺔ . اﻟﺗﻧﻔﯾذ ﻛﻣﺎ واﺻل اﻟﺑﻧك اﺗﺑﺎع ﻧﮭﺞ ﻣﻧﺿﺑط ﻓﻲ إدارة اﻟﻣﺧﺎطر واﻟﻔرص اﻻﺋﺗﻣﺎﻧﯾﺔ، ﻣﻣﺎ ﯾﻌزز ﻣروﻧﺔ ھذا اﻟﻧﺷﺎط وﻗدرﺗﮫ ﻋﻠﻰ ﻣواﺟﮭﺔ ﺗﻘﻠﺑﺎت اﻷﺳواق.

ﻟﻠظروف اﻻﻗﺗﺻﺎدﯾﺔ اﻟﻛﻠﯾﺔ واﻹدارة اﻟﺣﻛﯾﻣﺔ ﻟﻠﻣﺧﺎطر. ارﺗﻔﻌت ﻣﺧﺻﺻﺎت ﺧﻠﯾﺟﻲ ﺑﻧك ﻧﺗﯾﺟﺔ

اﻟﺧزﯾﻧﺔ واﻻﺳﺗﺛﻣﺎرات اﻟﻣﻠﻛﯾﺔ اﻟﺧﺎﺻﺔ

ﻣدﻋوﻣًﺎ ﺑﺈدارة ﻧﺷطﺔ وﻣﻧﺿﺑطﺔ ﻟﻠﻣﺣﺎﻓظ، وﺗﺣﺳﯾن اﻟرﺑﻊ. ﺧﻼل ﺣﺎﻓظ ﻗطﺎع اﻟﺧزﯾﻧﺔ واﻻﺳﺗﺛﻣﺎرات اﻟﺧﺎﺻﺔ ﻋﻠﻰ ﻣﺳﺎھﻣﺔ ﺗوزﯾﻊ اﻷﺻول ﻣﻊ اﻻﺳﺗﻔﺎدة ﻣن اﻟﻔرص ، اﻷﺳواق ﺗﻘﻠﺑﺎتﻧﺟﺢ ھذا اﻟﻘطﺎع ﻓﻲ اﻟﺗﻌﺎﻣل ﺑﻔﻌﺎﻟﯾﺔ ﻣﻊ ﻟﻠﻣﺧﺎطر، اﻟﺣذرة وﺑدﻋم ﻣن اﻹدارة . اﻻﺳﺗﺛﻣﺎرﯾﺔ اﻟﺟﺎذﺑﺔ

. اﻟﺗوﺟﮭﺎت اﻻﺳﺗراﺗﯾﺟﯾﺔ اﻟﻣﻌﺗﻣدةﻣﻊ أداء إﯾﺟﺎﺑﻲ، ﻣﻊ اﻟﺗﻧﻔﯾذ ﺑﻣﺎ ﯾﺗﻣﺎﺷﻰ ﺗﺣﻘﯾﻖاﻟﺧﺎﺻﺔ ﻛﻣﺎ واﺻﻠت اﻻﺳﺗﺛﻣﺎرات أﺑرز ﻣﻼﻣﺢ أداء ﺳﻌر اﻟﺳﮭم ﺳﮭم اﻟﺑﻧك.ﻧود أن ﻧﻘدم ﺑﻌض اﻟﻣؤﺷرات ﺣول أداء

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زﯾﺎدة ﻣﺳﺗوﯾﺎت اﻟﺗﻘﻠﺑﺎت ﻓﻲ اﻷﺳواق اﻹﻗﻠﯾﻣﯾﺔ أظﮭر ﺳﮭم ﺑﻧك ﺟﻲ إف إﺗش ﻣروﻧﺔ ﻗوﯾﺔ رﻏم ،ﺧﻼل اﻟرﺑﻊ اﻷول ﻣن اﻟﻌﺎم ﺎ ﻋﻠﻰ ﻣؤﺷر اﻟﺗوزﯾﻌﺎت(، ﻣﺗﻔوﻗد د ﺳداﺑﻌﻓﻲ اﻟﻣﻧطﻘﺔ. ﺣﯾث ﺗﻌﺎﻓﻰ ﺑﺷﻛل ﻛﺎﻣل ) ﯾﺔﺳﯾﺎﺳﯾو ﺟﻟاﻟﺗطورات ا واﻟﻌﺎﻟﻣﯾﺔ ﻧﺗﯾﺟﺔ .مﻌﺎ %ﺧﻼل اﻟﺳوق دﺑﻲ اﻟﻣﺎﻟﻲ اﻟﻌﺎم ﺑﻧﺳﺑﺔ ﺗﺗﺟﺎوز 100

أﺑرز ﻣﻣﺎرﺳﺎت اﻻﺳﺗداﻣﺔ:

ﺑﺗﻌزﯾز ﻣﻣﺎرﺳﺎت اﻟﺣوﻛﻣﺔ اﻟﺑﯾﺋﯾﺔ واﻻﺟﺗﻣﺎﻋﯾﺔ وﺣوﻛﻣﺔ اﻟﺷرﻛﺎت ﻣن ﺧﻼل ﻣﺟﻣوﻋﺔ ﻣن اﻟﻣﺑﺎدرات ﻟﺗزاﻣﮫ اﯾواﺻل اﻟﺑﻧك : ﺧﻼل ھذا اﻟرﺑﻊ

ﻣن ﺧﻼل ﻣﺑﺎدرة "ﻋﻘول ﻓﻲ اﻟﻌﻣل"، ﻣﻊ اﻟﺗرﻛﯾز ﻋﻠﻰ اﻟذﻛﺎء اﻻﺻطﻧﺎﻋﻲ :ﺗطوﯾر اﻟﻣوظﻔﯾن وﺗﻌزﯾز ﺗﻔﺎﻋﻠﮭم . 1 . واﻻﺑﺗﻛﺎر وﻣﺳﺗﻘﺑل اﻟﻌﻣل، ﺑﻣﺎ ﯾﻌزز ﺛﻘﺎﻓﺔ اﻟﺗﻌﻠم اﻟﻣﺳﺗﻣر

ﻋﺑر دﻋم اﻟﻣﺑﺎدرات اﻟرﯾﺎﺿﯾﺔ واﻟﻣﺟﺗﻣﻌﯾﺔ، ﻣن ﺧﻼل اﻟﺷراﻛﺔ ﻣﻊ اﻟﮭﯾﺋﺔ اﻟﻌﺎﻣﺔ :اﻟﻣﺷﺎرﻛﺔ اﻟﻣﺟﺗﻣﻌﯾﺔ واﻟوطﻧﯾﺔ . 2 . ﻟﻠرﯾﺎﺿﺔ ﺿﻣن ﻣﺑﺎدرة اﻟﺑﺣرﯾن ﻋﺎﺻﻣﺔ اﻟﺛﻘﺎﻓﺔ اﻟرﯾﺎﺿﯾﺔ اﻟﻌرﺑﯾﺔ 2026

ﻣن ﺧﻼل اﻟﺷراﻛﺔ ﻣﻊ ﻣﮭرﺟﺎن ﻛﺄس ﺟﻼﻟﺔ اﻟﻣﻠك، ﺑﻣﺎ ﯾﻌﻛس اﻻﻟﺗزام ﺑﺎﻟﮭوﯾﺔ اﻟوطﻧﯾﺔ : دﻋم اﻟﺛﻘﺎﻓﺔ واﻟﺗراث . 3 . واﻹرث اﻟﺛﻘﺎﻓﻲ

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أﺗوﺟﮫ ﺑﺟزﯾل اﻟﺷﻛر ﻟﻣﺳﺎھﻣﯾﻧﺎ وﺷرﻛﺎﺋﻧﺎ وزﻣﻼﺋﻧﺎ ﻋﻠﻰ دﻋﻣﮭم اﻟﻣﺳﺗﻣر. وﺑﺎﻻﺳﺗﻧﺎد إﻟﻰ اﺳﺗراﺗﯾﺟﯾﺔ ﺑﻧك ﺟﻲ إف إﺗش وﻣروﻧﺔ ﻧﻣوذج أﻋﻣﺎﻟﮫ، ﻧﺣن واﺛﻘون ﻣن ﻗدرﺗﻧﺎ ﻋﻠﻰ ﻣواﺻﻠﺔ ﺗﺣﻘﯾﻖ اﻟﻧﻣو، رﻏم اﻟﺗﺣدﯾﺎت اﻻﻗﺗﺻﺎدﯾﺔ واﻟﺟﯾوﺳﯾﺎﺳﯾﺔ.

ﺳﻧواﺻل ﺗرﻛﯾزﻧﺎ ﻋﻠﻰ اﻟﻧﻣو اﻟﻣﻧﺿﺑط، وﺗﻌزﯾز ﺗﻧوع ﻣﺻﺎدر اﻟدﺧل، واﻻﺳﺗﺛﻣﺎر ﻓﻲ اﻻﺑﺗﻛﺎر اﻟرﻗﻣﻲ، ﺑﻣﺎ ﯾدﻋم ﺗﺣﻘﯾﻖ ﻗﯾﻣﺔ ﻣﺳﺗداﻣﺔ ﻟﻣﺳﺎھﻣﯾﻧﺎ. ﻧﺗطﻠﻊ إﻟﻰ رﺑﻊ آﺧر ﻣن اﻟﺗﻘدم اﻟﻣﺳﺗﻣر. . ﺷﻛرًا ﻟﻛم ﻋﻠﻰ ﺣﺳن اﺳﺗﻣﺎﻋﻛم، وﯾﺳﻌدﻧﻲ اﻵن اﻹﺟﺎﺑﺔ ﻋن أي أﺳﺋﻠﺔ

إلى أي مدى يبدو مركز السيولة لدى بنك جي إف إتش .1 مريحًا في ظل تقلبات األسواق الحالية والتطورات اإلقليمية؟ السيولة منظور للغاية من جي إف إتش مرتاح ظل ي بنك ، مثلت األصول 2026 األول والتمويل .واعتبارًا من الربع مليار 5.4 نحو ،األصول مع %من إجمالي 45السائلة نحو ذلك للبنك ومحفظة الخزينة .ويوفر دوالر أمريكي ضمن النقد العمومية إلدارة تقلبات األسواق في الميزانية عالية مرونة واغتنام الفرص الجذابة بش لك ا ن اقت يئ .

1. How comfortable is GFH’s liquidity position given the current market volatility and regional uncertainty?

GFH remains very comfortable from a liquidity and funding perspective. As of Q1 2026, liquid assets represented approximately 45% of total assets, with around US$5.4 billion held in cash and treasury portfolio. This gives the Bank significant flexibility to manage market volatility and selectively capture attractive opportunities.

حيث بلغت ،قوية السيولة الرقابية ،ذلك تظل نسب إلى إضافة صافي التمويل ونسبة (LCR) 138% تغطية السيولة نسبة الرقابي الحد ، وكالهما أعلى من (NSFR) 136%المستقر ويعكس ذلك إدارة منضبطة للميزانية .%100األدنى البالغ مدروسًا ضمن ،مستقر وتخصيصًا تمويل ،العمومية وهيكل الخزينة. أنشطة البنك . وبشكل عام، تبقى السيولة إحدى نقاط القوة الرئيسية لدى فنحن ال نحافظ فقط على هوامش سيولة تفوق المتطلبات لحتفاظ بالمرونة الالزمة لدعم الرقابية، بل نحرص أيضًا على التمويل، وتعزيز خلق القيمة للمساهمين.و لستثمارات ف رص

In addition, our regulatory liquidity ratios remain strong, with LCR at 138% and NSFR at 136%, both well above the 100% regulatory requirement. This reflects prudent balance sheet management, stable funding, and disciplined treasury allocation.

Liquidity remains one of the Bank’s key strengths. We are not only maintaining regulatory buffers, but also preserving flexibility to support investments, financing opportunities, and shareholder value creation.

2. AUM increased to US$24.1 billion. What is مليار إلى24.1 ارتفعت األصول واألموال تحت اإلدارة .2 driving this growth, and what is the دوالر أمريكي. ما العوامل التي تقف وراء هذا النمو، وما outlook for further expansion? التوقعات لمزيد من التوسع؟ GFH’s Assets and Assets Under Management ارتفعت األصول واألموال تحت اإلدارة لدى بنك جي إف إتش increased to approximately US$24.1 billion, up مليار دوالر أمريكي، محققة نموً ا يقارب إلى نحو24.1 around 2.1% quarter-on-quarter. This growth وجاء هذا النمو مدعومًا على أساس ربع سنوي. 2.1% was supported by a diversified portfolio of بمحفظة متنوعة من األصول المدرة للدخل، إلى جانب استمرار income-generating assets and continued لستثمار . الزخم عبر منصة momentum across our investment platform. ،وينصب تركيزنا على تنمية أصول عالية الجودة تحت اإلدارة Our focus is on growing quality AUM rather than وليس فقط زيادة الحجم. لذلك نستهدف أصوال قادرة على توليد only absolute size. We are targeting assets that رسوم إدارة متكررة ورسوم أداء، وبناء قيمة طويلة المدى can generate recurring management fees, للمستثمرين والمساهمين. كما تظل المنصة متنوعة جغرافيًا performance fees, and long-term value for عبر دول مجلس التعاون، والمملكة المتحد ،ة، وأوروبا investors and shareholders. The platform والواليات المتحدة، مع استمرار التركيز على القطاعات remains diversified across the GCC, UK, Europe الدفاعية واألصول ذات العوائد المستمرة التي تدعم مرونة and the US, with a continued focus on defensive المحافظ وتوفر تدفقات نقدية . and income-generating sectors. وبالنظر إلى المرحلة المقبلة، نثق بقدرتنا على مواصلة نمو Looking ahead, we remain confident in our األصول تحت اإلدارة عبر نهج منضبط وقائمة فرص ability to grow AUM through a disciplined استثمارية مدروسة، ال سيما في قطاعات مثل الخدمات pipeline, especially in sectors such as logistics, ومنصات ،اللوجستية، واألصول الصناعية، و لئتمان الخاص industrial assets, private credit, real estate لستثمار.الدخل العقاري، وغيرها من استراتيجيات income platforms and other defensive investment strategies.

2. AUM increased to US$24.1 billion. What is driving this growth, and what is the outlook for further expansion?

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3. What is management’s outlook for the remainder of 2026, especially given geopolitical and market uncertainty?

We remain cautiously optimistic for the rest of 2026. The first quarter demonstrated the resilience of GFH’s platform, with strong profitability, healthy liquidity, solid capital ratios and continued AUM growth. The Bank delivered double-digit profit growth despite regional uncertainty and market volatility.

Our priorities for the remainder of the year are clear: continue growing quality AUM, deepen recurring income streams, maintain strong liquidity and capital buffers, and execute selectively on our investment pipeline.

While geopolitical and macroeconomic risks remain, GFH is well positioned due to its diversified platform, strong liquidity profile, prudent risk management and disciplined capital deployment. We will continue to focus on sustainable growth and long-term value creation for shareholders.

، ال سيما في ظل ما هي نظرة اإلدارة لبقية عام2026 .3 حالة عدم اليقين الجيوسياسي وتقلبات األسواق؟

. وقد أظهر نظل متفائلين بحذر حيال ما تبقى من عام2026 الربع األول مرونة منصة بنك جي إف إتش، مدعومًا بربحية ،قوية، ومركز سيولة مريح، ومستويات متينة من رأس المال إلى جانب استمرار نمو األصول واألموال تحت اإلدارة. كما حقق البنك نموً ا في األرباح بمستويات مزدوجة الرقم رغم التقلبات في األسواق والتطورات.

تنمية أصول عالية الجودةوتبقى أولوياتنا لبقية العام واضحة: تحت اإلدارة، وتعميق مصادر الدخل المتكرر، والحفاظ على هوامش قوية من السيولة ورأس المال، مع تنفيذ انتقائي لستثمارية.تنا لستثمار ضمن خطومنضبط لفرص

ورغم استمرار المخاطر الجيوسياسية و لقتصادية، فإن بنك ،جي إف إتش في موقع جيد بفضل تنوع المنصة، وقوة السيولة وإدارة المخاطر بحصافة، وتوظيف رأس المال بانضباط. وسنواصل التركيز على النمو المستدام وخلق قيمة طويلة ألجل للمساهمين.

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