Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — Q2 2026 Earnings Presentation
24 slides from Saudi Investment Bank's earnings presentation, Aug 10, 2026
Slide 1: Earnings Presentation 2Q 2026
Earnings Presentation 2Q 2026 10 August 2026
Slide 2: Contents
Contents Performance Highlights 3 Strategy 4 Financial Performance 8 Guidance 20 Q&A 22 The Saudi Investment Bank – 2Q 2026 Earnings Presentation
Slide 3: SAIB maintained solid balance sheet growth, operational efficiency and asset quality
SAIB maintained solid balance sheet growth, operational efficiency and asset quality, supporting resilient 1H 2026 results despite margin pressure Loans (¥ bn) Net Income (¥ mn) 117.3 1,416 Net Income grew by 3% YoY to 108.4 112.1 Solid balance sheet 1,016 1,051 ¥1,051mn expansion, driven by 5% +5%
Slide 4: Strategy
Strategy The Saudi Investment Bank – 2Q 2026 Earnings Presentation
Slide 5: A bold five-year vision and clear priorities were established under Strategy 2027
A bold five-year vision and clear priorities were established under Strategy 2027 Core business segments Vision To be the trusted bank for our clients Corporate Banking Public Institutions Accelerate profitable growth Increase penetration and grow DDA and fees Mission We build long-term relationship
Slide 6: Strategy 2027 has driven a bank-wide transformation through 43 completed initiatives
Strategy 2027 has driven a bank-wide transformation through 43 completed initiatives, with 9 new initiatives now underway Core business segments Focus areas and priorities Corporate Banking Public Institutions Consumer, Private Strategic segmentation & Accelerate profitable growth Increase penetrati
Slide 7: Further enhancements being implemented across businesses and key enablers
Further enhancements being implemented across businesses and key enablers such as Risk, Data & AI, HR Implemented… …and more in the pipeline Set up a venture capital arm, S60 Established best-in-class Launching best-in-class Corporate Ventures, to back promising capabilities in Data Science and Inte
Slide 8: Financial Performance
Financial Performance 2Q 2026 The Saudi Investment Bank – 2Q 2026 Earnings Presentation
Slide 9: SAIB's resilient fundamentals supported continued strength across key performance metrics
SAIB’s resilient fundamentals supported continued strength across key performance metrics 1H 2026 DRIVERS LOANS & ADVANCES ¥ 117.3bn +5% YTD Strong growth in Corporate (+5%) and Private Banking (+3%) loans Balance Sheet DEPOSITS ¥ 121.6bn +11% YTD IBD growth (+18%) mainly driven by retail customers.
Slide 10: Balance sheet momentum from growth in financing, SAMA and interbank placements
Balance sheet momentum from growth in financing, SAMA and interbank placements, funded mainly by deposits Total assets up 6% YTD, driven by higher loans (+5%), cash and balances with SAMA (+40%), and bank placements (+139%), while investments remained stable over the Loans & Advances (¥ bn) Retail C
Slide 11: Sustained loan growth momentum, driven by corporate and private banking lending
Sustained loan growth momentum, driven by corporate and private banking lending 5% YTD growth in loans driven by 5% increase in Loans & Advances by Segment (%) corporate lending due to widespread growth across sectors and further expansion of retail and private banking lending +5% Total Loans YTD
Slide 12: Investments remained stable over 1H 2026 at ¥47.3 billion
Investments remained stable over 1H 2026 at ¥ 47.3 billion Investments remained stable in 1H 2026 Investments, Gross by Type (%) Investments by Accounting Classification (%) 86% of investments were fixed rate debt securities 65% of investments were accounted for amortized cost and 34% at fair value
Slide 13: Customer deposits increased 11% YTD driven by IBDs
Customer deposits increased 11% YTD driven by IBDs Deposits grew 11% during 1H 2026 due to increased interest-bearing deposits (IBDs) Deposits by Segment (%) Growth was primarily driven by retail deposits, including public institutions, up 15% YTD, while Treasury & +11% Deposits YTD Investments in
Slide 14: 3% growth in 1H 2026 earnings driven by higher fee & other income
3% growth in 1H 2026 earnings driven by higher fee & other income, positive jaws and stable credit costs Net income increased 3% YoY in 1H 2026 driven primarily by higher fee and other income and lower operating expenses, partly offset by a lower share of earnings from Net Income Movement YoY (¥ mn)
Slide 15: NSCI remained stable YoY as strong average earnings asset growth was offset by NIM contraction
NSCI remained stable YoY as strong average earnings asset growth of 10% was offset by 22bps NIM contraction NSCI remained stable YoY as 10% growth in average NSCI Movement YoY (¥ mn) NIM Movement YoY FY 2026 Guidance earning assets was offset by NIM contraction NIM: 2.10% - 2.25% The NIM declined by
Slide 16: Fee and other income rose by 11% driven by higher investment gains
Fee and other income rose by 11% driven by higher investment gains, foreign exchange income and banking services Fee & other income increased 11% YoY in 1H 2026, Fee & Other Income Movement YoY (¥ mn) mainly driven by higher investment gains, FX income and banking services Foreign exchange income in
Slide 17: Marginal decrease in 1H 2026 operating expenses and improving cost to income ratio
Marginal decrease in 1H 2026 operating expenses and improving cost to income ratio Operating expenses decreased 2% YoY in 1H 2026 Operating Expenses Composition Operating Expenses (¥ mn) driven by lower general & administrative expenses and depreciation & amortization, partially offset by higher (%)
Slide 18: Credit quality remained strong and stable with COR and NPL ratio at low levels
Credit quality remained strong and stable with COR and NPL ratio at consistently low levels Total impairments of ¥128 mn for 1H 2026, Impairments (¥ mn) Cost of Risk increasing 2% YoY from ¥126 mn in 1H 2025 FY 2026 Guidance Cost of risk decreased 2 bps YoY to 0.22% in 1H COR: 0.25% - 0.35% 2026 NPL
Slide 19: Solid liquidity, funding and capital position with adequate buffers
Solid liquidity, funding and capital position with adequate buffers LCR increased by 11.2 ppt during 1H 2026 to 196.5%, Liquidity Ratios LCR NSFR Loans to Deposits Ratio SAMA LTD Headline LTD while NSFR decreased 0.5 ppt to 111.5% At the end 2Q 2026, the SAMA regulatory LTD ratio was within required
Slide 20: Guidance
Guidance The Saudi Investment Bank – 2Q 2026 Earnings Presentation
Slide 21: 1H 2026 financial results largely in line with expectations and FY guidance unchanged
1H 2026 financial results were largely in line with expectations and FY guidance is unchanged 2025 Actual 1H 2026 Actual 2026 Guidance Guidance Revisions Balance Sheet LOANS & ADVANCES +13% +5% Mid to High > 15.0% Guidance Unchanged single digit YoY YoY YTD NET INTEREST MARGIN 2.26% 2.18% Approx. 2.
Slide 22: Q&A
Q&A The Saudi Investment Bank – 2Q 2026 Earnings Presentation
Slide 23: Disclaimer
Disclaimer The Saudi Investment Bank (SAIB) prepared this presentation on a proprietary basis as general background information about the activities of SAIB. The information contained herein is given in summary form and for discussion purposes only. Where applicable, the financial data presented in
Slide 24: SAIB Investor Relations
SAIB Investor Relations For more information, please visit www.saib.com.sa/en/investor-relations or contact SAIB Investor Relations at ir@saib.com.sa The Saudi Investment Bank – 2Q 2026 Earnings Presentation P. 24
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