Riyad Bank · TADAWUL:1010
Riyad Bank — 2Q 2026 Earnings Presentation
20 slides from Riyad Bank's earnings presentation, 2026
Slide 1: Earnings Presentation 2Q 2026
Earnings Presentation 2Q 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: 1H 2026 Performance Highlights
Highlights Highlights 1H 2026 Performance Highlights Sustainable balance All Quality earnings oS Healthy & resilient ER sheet growth : expansion financial ratios = 3£534Bn 4 378Bn 4£9.3Bn 29.2% 0.88% — 149% — NPL Ratio NPL Coverage Ratio +3% YTD +1% YTD +4% YOY -70bps YOY a A Total Assets Loans, Net
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 “S ¢ Ci Q OG Ff STRATEGIC Ww = a - PILLARS Strong shareholder Delighting custo
Slide 6: 2Q 2026 Financial Performance
2Q 2026 Financial Performance Public
Slide 7: Sustainable profitability driven by operating income growth and improved efficiencies
Sustainable profitability driven by operating income growth and improved efficiencies Balance sheet expansion mainly driven by strong investments growth, while loans moderated which was funded mostly by customers’ deposits while NIBs share was lower 2) Improved efficiencies driven by positive jaws w
Slide 8: Assets and Financing
Assets and Financing Financials Strategic balance sheet expansion primarily driven by a strong growth in the investment portfolio Total Assets Movement YTD (bn) 519.5 49 (6.0) +25% -28% 4Q-25 Cash & balances with SAMA, net Loans & Advances, Net Movement YTD (s¢bn) +16% Due from banks, net Investment
Slide 9: Liabilities, Funding and Liquidity
Liabilities, Funding and Liquidity Financials Customers’ deposits continues to drive funding growth with liquidity position remains healthy and well ahead of regulatory requirements Total Liabilities Movement YTD (4¢bn) 444.0 16.5 = (3.1) (0.4) -8% +5% -1% 4Q-25 Interbank Deposits Debt securities To
Slide 10: 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 NSCI (smn) 6,482 6,761 1H-25 1H-26 Quarterly NSCI Margin and SAIBOR Trend (%) 5.41% 5.38% ° 5.03% 4.85% 4.75% 2.90% 2.70% 2.85% 2.85% 2.78% 2925 302
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) 2,542 309 2,589 = (221) @) te) -13% -2% +63% -58% 1H-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) 2,705 28 93 (23) 42% -19% +26% 1H-25 Employ
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 (smn) 420 3,367 2,967 | (20) NPL Ratio (%) NPL Coverage Ratio v 2Q-26 -0.9% YTD 1.13% ll l
Slide 14: Net Income and Returns
Net Income and Returns Financials Together these factors drove quality earnings growth Net Income Movement YoY (4mn) Total Operating Income 1H-26 5,083 279 48 (29) (4) +4% 12% +1% +1% 1H-25 NSCI Fee&other Expensesbefore —_ Impairments income impairments ROAE (%) 16.9% 17.2% 16.9% 16.0% 16.0% 1H25 9M
Slide 15: Capitalization
Capitalization Financials While capitalization remains healthy and well ahead of regulatory minima Total Regulatory Capital Movement YTD (4bn) eap 53 34 93.4 _ — (1.6) 4Q-25 Netincome Tier 1sukuk Dividendspaid Other 20-26 Capital Ratios (%) 19.4% 19.4% 18.4% 16.9% 17.8% 16.7% 16.7% 15.9% 15.8% 16.0%
Slide 16: Guidance Update
Guidance Update Financials Reflecting near-term market dynamics, while long-term goals remain on track 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 1H 2026 FY 2026 Guidance Drivers
Slide 17: Public
Public
Slide 18: Appendix
Appendix
Slide 19: ESG 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 © & © 966 11 401 3030 Ext. 3502 Investor.relations@riyadbank.com Riyad Bank Tower King Abdullah Financial District (KAFD) Financial Boulevard - Al Aeeq District - Building No. 3128 Postal Code