Slide 1: Investor Presentation 3Q 2025
Investor Presentation 3Q 2025 ~~ sme AAA ~~~ eS Ms ee ~~ = aS ~~ ~~~ Riyad Bank - Investor Presentation 30/09/25
Slide 2: Contents
Contents Riyad Bank Profile Strategy Sustainability Operating Environment Financial Performance Appendix Riyad Bank - Investor Presentation- 30/09/25
Slide 3: Riyad Bank Profile
| Riyad Bank Profile Riyad Bank - Investor Presentation- 30/09/25 ‘General Business
Slide 4: Riyad Bank is the third largest bank in Saudi Arabia
Summary Profile Profile / Strategy / Sustainability / Environment / Financials / Appendix J Riyad Bank is the third largest bank in Saudi Arabia Our Vision: Our Employees: Our Presence: Tobe the most innovative & trusted financial Employees* solutions partner Prey 7 ‘ 5 88 Female Employees* 29% 3Q 2
Slide 5: Market Shares
Market Shares Profile / Strategy / Sustainability / Environment / Financials / Appendix Riyad Bank is consistently in the top 3 KSA banks across a range of metrics 2024 Total Assets (4¢bn) & Market Share (%) 2024 Oper. Income (4¢bn) & Market Share (%) 2024 Net Income (4bn) & Market Share (%) 1,104.1
Slide 6: Market Parameters
Market Parameters Profile / Strategy / Sustainability / Environment / Financials / Appendix I Riyad Bank is a liquid stock with strong domestic ownership Market Capitalization v 52-week Trading Range (4) Riyad Bank Share Price Performance (Indexed to 31 Dec 2020) 30Sep 2025 30Sep 2025 -5.1% YTD a 81
Slide 7: Strategy
Strategy Riyad Bank - Investor Presentation- 30/09/25 ‘General Business
Slide 8: Strategic Ambition
Strategic Ambition Profile / Strategy / Sustainability / Environment / Financials / Appendix J Our ambition is to be the best Bank in KSA Strategic Pillars Most Profitable Most Efficient Bank of Choice Most Innovative & Digitally Enabled Definition Sustainable profit growth and Highest return onspen
Slide 9: Guiding Principles
Guiding Principles Profile / Strategy / Sustainability / Environment / Financials / Appendix I Our aspiration and strategy is built on a few guiding principles Focuson optimizing Total Shareholder Return Take Corporate and SME Corporate Business from goodtogreat through portfolio mix andreturn iar B
Slide 10: Key Operating Model Shifts
Key Operating Model Shifts Profile / Strategy / Sustainability / Environment / Financials / Appendix J Our strategy is driven by key operating model shifts From Segments Broad meet-the-market segment propositions ® Focus on banking needs only Risk avoidance via policy exclusions Products Capital agn
Slide 11: Division level KPIs
Division level KPls Clear KPIs have been set at the Division level as well Mobile first bank with distinctive customized segment/product Mortgage, Market share Personal Loans, Market share Cards, Market Share Deposits, Market share Leading value creator through Fintechs & digital enablement Digital
Slide 12: Retail Strategy
Retail Strategy Profile / Strategy / Sustainability / Environment / Financials / Appendix I Retail strategic initiatives Initiative Description S eg ments 1 DisruptAffluent Proposition Upgrade value proposition including digital as one-stop shop 2. Boost (U)HNWI Proposition Upgrade value proposition
Slide 13: Strategic initiatives
strategic initiatives General Business
Slide 14: Treasury Strategy
Treasury Strategy Treasury strategic initiatives Products Initiative 1 Enhance collaboration with Retail Banking 2. Improve cooperation with Corporate Banking 4 Expand Riyad Bank's appetite for hedging business 4 Consolidate and enhance Treasury systems Profile / Strategy / Sustainability / Environm
Slide 15: Digital Strategy
Digital Strategy Digital strategic initiatives Serve Fintechs and other players Digital 1 2 Createnewventures 4 Accelerate digital maturity 4 Scale-up Center of Intelligence Profile / Strategy / Sustainability / Environment / Financials / Appendix I Description Leverage open banking platforms to ser
Slide 16: Sustainability Update
Sustainability Update Riyad Bank - Investor Presentation- 30/09/25 ‘General Business
Slide 17: Sustainability Highlights
Highlights Profile / Strategy / Sustainability / Environment / Financials / Appendix ened Sustainability into the Bank's strategy Environmental Sustainability Strategy Riyad Bank announced its sustainability strategy alongside 2030 and its 20¢ mitment - the strategy includes ambiti goals for sustain
Slide 18: Operating Environment
| Operating Environment Riyad Bank - Investor Presentation- 30/09/25 ‘General Business
Slide 19: Global Economy
Global Economy Profile / Strategy / Sustainability / Environment / Financials / Appendix I Global economic outlook stabilizing amid easing inflation Global growth remains stable through 2026 as inflation continues to ease across major economies. Advanced economies are projected to slow during tight
Slide 20: KSA Economic Growth
KSA Economic Growth Saudi growth outlook strengthens on investment and non-oil expansion Profile / Strategy / Sustainability / Environment / Financials / Appendix Growth prospects remain robust through 2026, supported by strong domestic demand, rising project execution, and resilient private-sector
Slide 21: KSA Inflation and PMI
KSA Inflation and PMI Inflation remains contained as PMI signals sustained expansion Profile / Strategy / Sustainability / Environment / Financials / Appendix Inflation remains modest despite sectoral variations, with goods prices stabilizing and services in moderate growth. Riyad Bank PMI shows res
Slide 22: KSA Banking Sector
KSA Banking Sector Profile / Strategy / Sustainability / Environment / Financials / Aj The Saudi banking sector is attractively positioned for growth Bank Credit (4bn) Bank Deposits (4bn) +14% CAGR +8% CAGR 2,956 2,692 2,584 2,295 One) ses 2,059 2,349 L196 1,943 2,104 1,552 . Yor U 415% 416% 414% +1
Slide 23: Financial Performance
i Financial Performance Riyad Bank - Investor Presentation- 30/09/25 ‘General Business
Slide 24: Balance sheet
Balance sheet Riyad Bank - Investor Presentation- 30/09/25 24
Slide 25: Balance Sheet Summary
Balance Sheet Summary Profile / Strategy / Sustainability / Environment / Financials / A\ Balance sheet expanded by 13% YTD mainly driven by loans and investments Ir growth which was funded by a mix of customer deposits and wholesale funding + Total assets amounted to J 508 bn as of 30! September 20
Slide 26: Loan Book Overview
Loan Book Overview Profile / Strategy / Sustainability / Environment / Financials / Appendix Growth in the loan portfolio is coming mainly from the commercial book while consumer loans growth was primarily from mortgages and personal loans Gross Loan Movement YTD Gross Commercial Loan Movement by Ec
Slide 27: Credit Quality: NPLs
Quality Profile / Strategy / Sustainability / Environment / Financials / A\ Solid and resilient financial position with non-performing loan ratio improving YF year-on-year, reaching 0.87% as of 30 September 2025 NPLs by Segment (4kbn) NPLs (4tbn) NPL Ratio (%) 43% “12% 3.7 3.9 41 3.2 3.3 1.20% —_ —
Slide 28: Credit Quality: NPL Coverage
Credit Quality Profile / Strategy / Sustainability / Environment / Financials / A\ NPL coverage ratio remains healthy at 141.7% with stage 3 coverage improved by 1.8% year-to-date to reach 52.1% + Healthy NPL coverage ratio standing at Total Allowances (J¢bn) NPL Coverage Ratio (%) Consumer Coverage
Slide 29: Investments
Investments Profile / Strategy / Sustainability / Environment / Financials / A\ Investments grew by 6% YTD, primarily driven by robust growth in high yf quality fixed rate assets + Investment portfolio increased by6% YTD reaching to 4 Investments, Net (bn) Net Investments Composition, 3-25 (4¢bn) 74
Slide 30: Deposits
Deposits Profile / Strategy / Sustainability / Environment / Financials / A\ Customers’ deposits grew by 6% year-to-date mainly from interest-bearing I deposits mimicking a sector-wide trend «Customer deposits amounted to 44 325.4 bn as of 30% NIBs % of Total Deposits (%) Total Customers’ Deposits (
Slide 31: General Business
◆ ◆ ◆ 120.0% 160.0% 500 100 140.0% 100.0% 90 400 120.0% 80 80.0% 70 100.0% 300 60 60.0% 80.0% 50 200 60.0% 40 40.0% 30 40.0% 100 20 20.0% 20.0% 10 0 0.0% 0 0.0% General Business
Slide 32: Capitalization
Capitalization Profile / Strategy / Sustainability / Environment / Financials / App Capitalization remains healthy and well above regulatory minima Total Regulatory Capital Movement YTD (4kbn) +5% 7.8 78.2 (0.4) (5.2) = 4Q-24 Net income Tier 1sukuk Dividends paid cost Capital Ratios (%) Total Regula
Slide 33: Income statement
Income statement Riyad Bank - Investor Presentation- 30/09/25 33
Slide 34: Income Statement Summary
Income Statement Summary Profile / Strategy / Sustainability / Environment / Financials / A\ Net income reached 4 7,770 million in 9M 2025, a growth of 10% supported yf by higher total operating income, resulting in ROAE standing at 17.2% YoY % YoY % Net Income Movement YoY (mn) ae (mn) 3Q-2025 PRee
Slide 35: Net Special Commission Income
Net Special Commission Inco NSCI witnessed a modest growth, propelled by increased volume which was offset by higher cost of funds Profile / Strategy / Sustainability / Environment / Financials / A\ + Net special commission income amounted to 4 9,667 million in 9M 2025, a steady growth of 2% over th
Slide 36: Net Special Commission Margin
Net Special Commission Margin NSCI margins were lower from loans repricing at lower rates while cost of Profile / Strategy /S funding slightly increased from the change in deposits mix inability / Environment / Financials / Ap + Net special commission margin was lower by 51bps reaching to2.89% YoY f
Slide 37: Interest Rate Sensitivity
Interest Rate Sensitivity Profile / Strategy / Sustainability / Environment / Financials / Appendix J Neutral sensitivity to the interest rate changes + The Group assess sensitivity to a possible change in special commission rates, with other variables held constant and assuming a constant balance s
Slide 38: Fee & other income
Fee & other incot ne Profile / Strategy / Sustainability / Environment / Financials / Ape! The momentum in fee & other income continues with a strong growth in banking services driven by strategic focus on cross-sell activities a Yov% Fee & Other Income Movement YoY (mn) 4e(mn) 30-2025 Rete) Change
Slide 39: Operating Expenses
Operating Expenses Profile / Strategy / Sustainability / Environment / Financials / Ape! Positive jaws improved cost efficiency despite ongoing investments in people, infrastructure, digital capabilities, and strategic initiatives Expenses before Impairments Movement YoY (4mn) y + Operating expenses
Slide 40: Impairment charges
Impairment charges Strong recoveries coupled with proactive risk management and sound asset quality resulted in lower cost of credit risk Profile / Strategy /S inability / Environment / Financials / Ap + Impairment charges increased by12% YoY to 4 1,007mn in Impairments (4emn) Cost of Credit Risk (%
Slide 41: Segment Performance
Segment Performance Riyad Bank - Investor Presentation- 30/09/25 41
Slide 42: Segments Summary
Segments Summary Corporate and Investment Banking & Brokerage segments were the primary Profile / Strategy / Sustainability / Environment / Financials / A\ contributors to the net income growth during 9M 2025 Net Loans & Advances Movement YTD (4¢bn) Deposits Movement YTD (4¢bn) +15% +6% 5.1 0.4 368.
Slide 43: Segment Dashboard
Segment Dashboard Profile / Strategy / Sustainability / Environment / Financials / Appendix J Corporate segment accounts for 54% of total operating income translating into 65% share in net income before Zakat fey ting Ir B * if it its, Net Ir ed Corporate poveieaiiaaia ||| | Mme otal TTT} os veel oz
Slide 44: Corporate Segment
Corporate Segment Profile / Strategy / Sustainability / Environment / Financials / Ape! Strong growth in fee and other income, coupled with higher NSCI bolstered yf corporate profitability despite the rising in operating expenses & provisions Net Income Before Zakat Movement YoY (4tmn) + Netincome b
Slide 45: Retail Segment
Retail Segment Profile / Strategy / Sustainability / Environment / Financials / A\ Retail net income grew by 3% YoY during 9M 2025, primarily driven by NSCI growth, partially offset by the increase in operating expenses + Netincome before zakat for the Retail Net Income Before Zakat Movement YoY (4t
Slide 46: Treasury and Investments
Treasury and Investments Profile / Strategy / Sustainability / Environment / Financials / A\ Treasury and Investments net income before Zakat grew by 2% YoY fueled by higher fee and other income, partially offset by higher expenses Net Income Before Zakat Movement YoY (4tmn) YoY % YoY % 4e(mn) 3Q-20
Slide 47: Investment banking and brokerage
Investment banking and brokerage Profile / Strategy / Sustainability / Environment / Financials / A\ Investment banking and brokerage recorded a strong growth of 26% in NSC, resulted in 13% rise in net income before zakat ndix Net Income Before Zakat Movement YoY (4tmn) YoY % YoY % 4e(mn) 3Q-2025 EL
Slide 48: Outlook & Guidance
Outlook & Guidance Riyad Bank - Investor Presentation- 30/09/25 48
Slide 49: Guidance
Guidance Balance Sheet Profitability Asset Quality Capital Loans, Net Net Special Commission Income Cost to Income Return on Equity Cost of Credit Risk Tier 1 Capital Ratio 9M 2025 Actual 4 369bn (15% YTD) 49.7bn (2% YoY) 29.7% 17.2% 36bps 15.8% Profile / Strategy / Sustainability / Environment /Fin
Slide 50: Historical Performance
Historical Performance Riyad Bank - Investor Presentation- 30/09/25 50
Slide 51: Balance sheet 5-year Summary
Balance sheet 5-year Summary Profile / Strategy / Sustainability / Environment / Financials / Appendix J Total Assets (Jebn) Loans & Advances, Net (4bn) Deposits (4kbn) Capital Ratios (%) +10% CAGR +14% CAGR +11% CAGR 21.1% 1% - 20.7% ™ 5 450.8 > 320.1 306.4 19.1% - 19.0% 18.9% 359.7 387.3 74.4 254.
Slide 52: Income Statement 5-year Summary
Profile / Strategy / Sustainability / Environment / Financials / Appendix J Income Statement 5-year Summary Total Operating Income (4emn) NSCI Margin (%) Cost to Income Ratio (%) Cost of Credit Risk (%) y +11% CAGR 545% 17,285 a \ 15,899 5 > 13,599 3.61% 3 ao 32.4% 32.4% 1.07% 11,205 11,568 3.13% 9.
Slide 53: Appendix
| Appendix Riyad Bank - Investor Presentation- 30/09/25 ‘General Business
Slide 54: Contact the investor relations for more information
Appendix Contact the investor relations for more information I Investor Relations Contact Riyad Bank Head Office Visit our website for more information and to access our disclosures Telephone: +966 11 401 3030 Ext. 3502 E-mail: Investor.relations@riyadbank.com Address: Riyad Bank Tower King Abdullah
Slide 55: Disclaimer
Profile tegy / Sustainability / Environment / Financials / Appendix Disclaimer F This presentationhas been prepared by Riyad Bank solely for informational purposes. The presentation may contain forward looking statements, which reflect Riyad Bank's beliefs or current expectations and assumptions reg