National Bank of Bahrain B.S.C. (NBB) Earnings Call Transcripts

National Bank of Bahrain B.S.C.'s Latest Earnings Call - Q1 FY2026

In Q1 2026, National Bank of Bahrain (NBB) reported a normalized net profit of BHD 20.6 million, reflecting a modest 2% increase year-over-year. Revenue growth was driven by a 6% increase in net interest income, despite a decline in other income due to geopolitical disruptions impacting treasury gains. Management maintained a cautious outlook, emphasizing a focus on customer service and digital adoption, while signaling ongoing growth potential in loans and deposits across various segments.

Reported metrics

Guidance from management

Management maintained a cautious outlook, emphasizing ongoing growth potential in loans and deposits while focusing on customer service and digital initiatives. No specific guidance changes were noted.

What management said

Zaina, Thank you very much. So we would like now to move to the questions and answers, as pointed out by Mr. Mohsin. So we have received quite a few questions. So let me take them in terms of order. I'll start with Milaready, question one.

Mohsin, this moves me to the next question very strongly. You talked about the growth in deposits, but the questionnaire right now from Jean is related to the loan growth. So the question is, would you be able to sustain the 5% loan growth year-on-year?

What analysts pressed on

Analysts expressed concerns regarding the decline in other income and the impact of geopolitical events on treasury gains. There were also questions about the sustainability of loan growth and the bank's ability to manage costs effectively.

Main topics on the call

• Net Interest Income Growth — NBB achieved a 6% year-over-year growth in net interest income, reaching BHD 35.3 million. CEO Usman Ahmed noted, "The ability to grow net interest income in that environment is particularly noteworthy," highlighting the...
• Customer Deposits and Loans Growth — The bank reported a 7% increase in customer deposits and a 5% growth in loans. Usman Ahmed stated, "We continue to make sure that we were available, open and fully operational," indicating strong customer engagement.
• Digital Adoption Success — NBB experienced a 31% year-over-year growth in digital transaction volume and a 20% increase in new retail accounts opened digitally. This reflects the bank's strategic focus on digital channels, as highlighted by Zaina ...
• Geopolitical Impact on Performance — Management acknowledged the adverse effects of geopolitical developments on treasury gains, leading to a decline in other income. CFO Mohsin Rahim noted, "We experienced some softness in the fee income due to the geopoli...

Read the full National Bank of Bahrain B.S.C. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 5 National Bank of Bahrain B.S.C. earnings call transcripts on record, spanning May 20, 2025 to May 19, 2026. Based on this history, National Bank of Bahrain B.S.C. reports quarterly. The most recent call on file is dated May 19, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

NBB

Exchange

BAX

Country

BH

Sector

Financials

Industry

Banks

Calls on record

5

First call

May 20, 2025

Most recent

May 19, 2026

Reporting cadence

quarterly