Slide 1: Earnings Presentation 3Q 2025
Earnings Presentation 3Q 2025 f / / f / f , f ~~ sme AAA ~~~ eS Lal ~~ = AS ~~ ~~~ Riyad Bank - Earnings Presentation - 03/11/25
Slide 2: 9M 2025 Performance Highlights
Highlights Highlights / Strategy / Financials / Appendix 9M 2025 Performance Highlights yf Solid balance sheet growth 4t 508Bn dt 369Bn 4 325Bn 4t 435Bn +13% YTD +15% YTD +6% YTD +14% YTD A A A A Total Assets Loans, Net Customer Deposits Total Liabilities 413.7Bn 29.7% 4 7.8Bn 17.2% +9% YOY -L.Oppts
Slide 3: Strategy Update
| Strategy Update Riyad Bank - Earnings Presentation - 03/11/25 ‘General Business
Slide 4: Strategic Ambition
Strategic Ambition Highlights /Strategy / Financials / Appendix Our ambition is to be the best Bank in KSA I Strategic Pillars Most Profitable Most Efficient Bank of Choice Most Innovative & Digitally Enabled Definition Sustainable profit growth and Highest return onspendand Best bank forcustomer, M
Slide 5: 3Q 2025 Financial Performance
i 3Q 2025 Financial Performance Riyad Bank - Earnings Presentation - 03/11/25 ‘General Business
Slide 6: Financial Performance Summary
Financial Performance Summary Solid growth in profitability boosted by operating income growth, improved efficiencies and normalized cost of credit risk Highlights / Strategy / Financials / Appendix Balance sheet Total assets I Loans & advances, net TT I Solid growth in profitability Net income I I
Slide 7: Assets and Financing
Assets and Financing Highlights / Strategy / Financials / Appendix Solid balance sheet expansion primarily fueled by a robust growth in loans, I investments and interbank placements Total Assets Movement YTD (bn) Loans & Advances, Gross Composition 3Q-25 (4ebn) +13% 48.5 2.0 507.6 450.8 47 41 _ |_|
Slide 8: Liabilities, Funding and Liquidity
Liabilities, Funding and Liquidity Highlights / Strategy / Financials / Appendix J While continuing to diversity the funding sources through customer deposits and wholesale funding to support the overall liquidity position NIBs % of Total Deposits (%) Total Liabilities Movement YTD (44bn) +14% 19.0
Slide 9: Net Special Commission Income and Margin
Net Special Commission Income and Margin NSCI witnessed a modest growth, propelled by increased volume which was offset by higher cost of funds Highlights / Strategy / Financials / Appendix NSCI (4emn) +2% 9,441 9,667 9M-24 9M-25 NSCI Movement YoY (44mn) +2% 1,633 346 309 9,441 — — 9,667 = (2,062) +
Slide 10: Fee & Other Income
Fee & Other Income Highlights / Strategy / Financials / Appendix The momentum in fee & other income continues with a strong growth in yf banking services driven by strategic focus on cross-sell activities Fee & Other Income Movement YoY (44mn) Quarterly Fee & Other Income (4emn) +27% 421% 379 27 4,0
Slide 11: Operating Expenses and Efficiency
Operating Expenses and Efficiency Positive jaws improved cost efficiency despite ongoing investments in Highlights / Strategy / Financials / Appendix people, infrastructure, digital capabilities, and strategic initiatives Expenses before Impairment Movement YoY (4mn) Expenses before Impairments Comp
Slide 12: Impairment Charge and Cost of Risk
Impairment Charge and Cost of Risk Highlights / Strategy / Financials / Appendix J Strong recoveries coupled with proactive risk management and sound asset quality resulted in lower cost of credit risk NPL Movement by Sector YTD (smn) NPL Ratio (%) NPL Coverage Ratio v 30-25 +3% -25.3% YTD Lo} 3,174
Slide 13: Net Income and Returns
Net Income and Returns Together these factors drove the solid growth in profitability I Net Income Movement YoY (4¢mn) Total Operating Income 9M-25 +10% +9% YoY a om . 13,717 1065 226 , Million = = (194) (194) (110) (7 Net Operating Income Before A. Impairment Charge 9M-25 +10% YoY +2% +27% +5% +12%
Slide 14: Capitalization
Capitalization Highlights / Strategy / Financials / Appendix While capitalization remains healthy and well ahead of regulatory minima Total Regulatory Capital Movement YTD (tbn) Risk Weighted Assets (bn) +5% +15% 78 455.5 461.7 732 19 82.2 403.0 413.0 4404 15.4 147 (0.4) — — 128 — 334 176 17.6 17.6
Slide 15: Guidance
Guidance Highlights / Strategy / Financials / Appendix The momentum in strategic execution fuels the delivery of 2025 KPIs yf 9M 2025 Actual FY 2025 Revised Guidance Drivers Strong credit demand continues from 4 369bn corporate and SMEs driven by positive Balance sheet er (15% YTD) Mid Teens economi
Slide 16: Q&A
Q&A Riyad Bank - Earnings Presentation - 03/11/25 16
Slide 17: Appendix
| Appendix Riyad Bank - Earnings Presentation - 03/11/25 ‘General Business
Slide 18: 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 19: Disclaimer
Highlights / Strategy / 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 regarding the future of t