Riyad Bank · TADAWUL:1010
Riyad Bank — Q1 2026 Earnings Presentation
20 slides from Riyad Bank's earnings presentation, 2026
Slide 1: Earnings Presentation 1Q 2026
Earnings Presentation 1Q 2026
Slide 2: 1Q 2026 Performance Highlights
Highlights Highlights 1Q 2026 Performance Highlights Sustainable balance Quality earnings e Healthy & resilient q Ef . 7 . 5 =o sheet growth la expansion ~ financial ratios Eb 4 537Bn 4 377Bn 4¢ 4.6Bn 29.7% 0.84% ~ 151% — NPL Ratio NPL Coverage Ratio +3% YTD +1% YTD +2% YOY -90bps YOY a A Total Asse
Slide 3: Strategy Update
Strategy Update
Slide 4: 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 4S ¢ i Q 1) ¢ STRATEGIC Ww = ae - PILLARS Strong shareholder Delighting custom
Slide 5: 1Q 2026 Financial Performance
1Q 2026 Financial Performance Public
Slide 6: Growth in profitability driven by operating income growth and improved efficiencies
Growth in profitability was driven by operating income growth and improved efficiencies Balance sheet expansion mainly driven by strong investments growth, while loans moderated which was funded by a mix of customers’ deposits and debt securities (2) Improved efficiencies driven by positive jaws whi
Slide 7: Assets and Financing
Assets and Financing Financials Strategic balance sheet expansion primarily driven by a strong growth in the investments portfolio Total Assets Movement YTD (bn) 519.5 w8 —= (7.8) = +99% -37% 4Q-25 Loans & Advances, Net Movement YTD (s¢bn) +9% Cash &balances Duefrombanks,net Investments, net with SA
Slide 8: Liabilities, Funding and Liquidity
Liabilities, Funding and Liquidity Financials While continuing to diversify the funding sources through customer deposits and debt securities to support the overall liquidity position Total Liabilities Movement YTD (4¢bn) 43% 444.0 20.8 3.5 457.9 = —— lJ Ga 5) I — -18% +6% +7% -14% —_ 4Q-25 Interban
Slide 9: Net Special Commission Income & Margin
Net Special Commission Income & Margin Financials NSCI witnessed a modest increase, propelled by volume growth which was offset by higher cost of funds while margin stabilized sequentially NSCI (4¢mn) 3,282 3,385 1Q-25 1Q-26 Quarterly NSCI Margin and SAIBOR Trend (%) 5.42% 5.41% 5.38% 5 ys, 4.85% i
Slide 10: Fee & Other Income
Fee & Other Income Financials Expanding products offering with cross-sell activities offset the lower fees from banking services Fee & Other Income Movement YoY (4mn) 1,221 109 1,230 = en ©) ) “12% -0% 151% “15% 1Q-25 Banking services FXincome_ Investment-related income Other 1Q-26 Fee Income from B
Slide 11: Operating Expenses and Efficiency
Operating Expenses and Efficiency Financials Positive jaws improved cost efficiency despite ongoing investments in people, infrastructure and digital capabilities Expenses before Impairment Movement YoY (mn) Expenses before Impairments Composition, 10-26 (%) 26% 1,379 7 29 1,372 — mEmployee-related
Slide 12: Impairment Charge and Cost of Risk
Impairment Charge and Cost of Risk Financials Proactive risk management and sound asset quality resulted in healthy NPLs and coverage ratio NPL Movement by Sector YTD (4#mn) NPL Ratio (%) NPL Coverage Ratio a 19-26 i} 151.4% Stage-wise ECL on Gross Loans, 1Q-26, YTD Stage1 3,208 5 5 2,967 1.14% 1.13
Slide 13: Net Income and Returns
Net Income and Returns Financials Together these factors contributed towards quality earnings expansion Net Income Movement YoY (4¢mn) 2,486 102 8 7 87 +3% +1% -1% -24% 19-25 NScI Fee&other Expensesbefore Impairments income impairments ROAE (%) 16.5% 16.9% 17.2% 16.9% ae 26.0% 1Q25 1H25 9M25 FY 25 1
Slide 14: Capitalization
Capitalization Financials While capitalization remains healthy and well ahead of regulatory minima Total Regulatory Capital Movement YTD (bn) 86.7 2.6 0.0 27 (0.1) = 4Q-25 Netincome Tier 1 sukuk Dividendspaid Other cost Capital Ratios (%) 1Q-26 19.4% 18.4% Y 17.8% 17.5% 16.9% 16.7% agen 15.9% 15.8%
Slide 15: Guidance
Guidance 2030 strategy fuels the promising outlook for 2026 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 Financials 1Q 2026 FY 2026 Guidance Drivers 4¢377bn nate anf Positive econom
Slide 16: Public
Public
Slide 17: Appendix
Appendix
Slide 18: Public
• • • • • • Climate: D Water: C Public
Slide 19: Riyad Bank Contact
Riyad Bank Contact Appendix Contact the investor relations for more information Investor Relations Contact @®) 96611 401 3030 Ext. 3502 DX] investor.relations@riyadbank.com © _ RiyadBank Tower King Abdullah Financial District (KAFD) Financial Boulevard - Al Ageeq District - Building No. 3128 Postal
Slide 20: Disclaimer
Appendix Disclaimer This presentation has 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 regarding the future of the business, future plans and strategi