Transcript

Assalamualaikum, I am proud to speak with you today and share the remarkable progress ADEEP has made so far in 2025. Thanks to the dedication of our people and the trust of our customers, we have continued to deliver strong results, consistently improving our profitability and returns. For the first nine months of 2025, net profit before tax increased by 16% year on year to 6.1 billion dirhams, delivering a market leading return on equity of 30%. Every business line performed exceptionally well, supported by strong client activity and resilient economy. We also welcomed over 225,000 new customers this year, reflecting a Deep's growing appeal across all client segments. Our revenues increased by 14% driven by both funded and non funded income as reflection and outcome of the strands and resilience of our diversified business model. Even as we continue to invest in digital platforms, innovation and AI, we improved our cost to income ratio to 28%, a testament to discipline, management and operational excellence. Our balance sheet leads 270 billion dirhams supported by strong financing growth of 26% year on year and 42 billion increase inclined deposits. Beyond the numbers, what truly matters is how we achieve this performance. Responsible grows, disciplined execution and a constant focus on our customers. As we advance our Vision 2035, our goal remains clear to build a stronger, more diversified and future ready Islamic financial institutions, fully aligned with the EU's ambition to be a global hub for Islamic banking. And we are determined to play a leading role in this journey. To conclude, as always, I would like to thank our customers and shareholders for their trust, our Chairman and Board of Directors for their guidance and all ADEEP colleagues for your dedication. And contribution to the success. Thank you.