Riyad Bank · TADAWUL:1010
Riyad Bank — Q3 2026 Earnings Presentation
20 slides from Riyad Bank's earnings presentation, Nov 3, 2026
Slide 1: Earnings Presentation 3Q 2026
Earnings Presentation 3Q 2026
Slide 2: Disclaimer
Appendix Disclaimer This presentationhas been prepared by Riyad Bank solely forinformationalpurposes. The presentation may contain forward looking statements, which reflect Riyad Bank's beliefs or current expectations and assumptions regarding the future of the business, future plans and strategies,
Slide 3: 9M 2026 Performance Highlights
Highlights Highlights 9M 2026 Performance Highlights Sustainable balance All Quality earnings 3S Healthy & resilient sheet growth “ expansion financial ratios 4 545Bn 4 385Bn 3£14.4Bn 28.7% 0.87% — 151% — NPL Ratio NPL Coverage Ratio +5% YTD +3% YTD +5% YOY -101bps YOY - A Total Assets Loans, Net BT
Slide 4: Strategy Update
Strategy Update
Slide 5: Strategic Ambition
Strategy Strategic Ambition With the Board’s aspiration as our North Star, we have defined an exciting vision and strategic pillars for 2030 Strategy 2030 Become KSA’s most innovative bank, powering the Kingdom's growth g a ng oi Q C) 9g STRATEGIC Ww = ae - PILLARS Strong shareholder Delighting cust
Slide 6: 3Q 2026 Financial Performance
3Q 2026 Financial Performance Public
Slide 7: Solid earnings growth driven by higher operating income and improved efficiencies
Solid earnings growth during the period driven by higher operating income and improved efficiencies Balance sheet expansion mainly driven by strong growth in investments coupled with moderate loan growth while the landmark Sukuk issuance supported funding diversification and balance sheet optimizati
Slide 8: Public
31; 8% 190; 49% 67; 17% 98; 26% Public
Slide 9: Liabilities, Funding and Liquidity
Liabilities, Funding and Liquidity Financials Liquidity remains healthy and well above regulatory requirements supported by diversified funding sources Total Liabilities Movement YTD (4¢bn) 444.0 56 —= (4.5) a +40% -9% 4Q-25 Interbank Deposits Debt securities Total Customers' Deposits Movement YTD (
Slide 10: Net Special Commission Income & Margin
Net Special Commission Income & Margin Financials Moderate NSCI growth supported by higher volumes and partially offset by increased cost of funds NSCI (4¢mn) 9,667 10,243 9M-25 9M-26 Quarterly NSCI Margin and SAIBOR Trend (%) 5.38% 5.03% 4.85% 4.75% 4.90% 2.70% 2.85% 2.85% 2.78% 2.79% 3Q25 4025 192
Slide 11: Fee & Other Income
Fee & Other Income Financials Expanding products offering with continuous focus on cross-sell activities offset the lower fees from banking services Fee & Other Income Movement YoY (44mn) 4,051 577 4,157 * = (36) (466) -17% +7% +69% -52% 9M-25 Banking services FXincome Investment-related income Othe
Slide 12: Operating Expenses and Efficiency
Operating Expenses and Efficiency Financials Cost discipline and improved efficiencies resulted in maintaining healthy positive jaws despite ongoing investments in people, infrastructure and digital capabilities Expenses before Impairment Movement YoY (mn) Expenses before Impairments Composition, 9M
Slide 13: Impairment Charge and Cost of Risk
Impairment Charge and Cost of Risk Financials Proactive risk management and sound asset quality resulted in healthy NPLs, stable NPL coverage ratio and normalized cost of credit risk NPL Movement by Sector YTD (4#mn) 458 3,400 2,967 | (25) a 425% -2% a 4Q-25 Commercial Retail 3Q-26 Impairments for C
Slide 14: Net Income and Returns
Net Income and Returns Financials Together these factors supported quality earnings growth Net Income Movement YoY (4mn) 7.770 577 107 (58) (88) +6% 13% +1% +9% 9M-25 NSCI Fee &other income Expenses before Impairments. impairments ROAE (%) ) 17.2% 16.9% 16.6% 16.0% 16.0% 9M25 FY 25 1Q 26 1H 26 9M 26
Slide 15: Capitalization
Capitalization Financials While capitalization remains healthy and well ahead of regulatory minima Total Regulatory Capital Movement YTD (4bn) +18' 12.5 102.7 86.7 Sa : = | Og) (4.2) -_ = 4Q-25 Netincome Tier 1 sukuk cost Dividends paid Capital lssuances 3Q-26 & Others Capital Ratios (%) 20.9% 5 19.
Slide 16: Guidance Update
Guidance Update Financials Guidance remains on track, with continued progress toward 2030 aspiration 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 2026 FY 2026 Guidance Drivers 3
Slide 17: Public
Public
Slide 18: Appendix
Appendix
Slide 19: Climate and Water ratings
• • • • • • • • • • • • • • • Climate: D • Water: C Public
Slide 20: Riyad Bank Contact
Riyad Bank Contact Appendix Contact the investor relations for more information Investor Relations Contact @®) 96611 401 3030 Ext. 3502 EX] sinvestor.relations@riyadbank.com © _ RiyadBank Tower King Abdullah Financial District (KAFD) Financial Boulevard - Al Aeeq District - Building No. 3128 Postal