Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — Q3 2025 Earnings Presentation
46 slides from Saudi Investment Bank's earnings presentation, October 2025
Slide 1: Investor Presentation 3Q 2025
Investor Presentation 3Q 2025 October 2025 The Saudi Investment Bank – 3Q 2025 Investor Presentation
Slide 2: Contents
Contents SAIB Overview 3 KSA Operating Environment 9 Strategy 12 Financial Performance 19 Guidance 32 Segmental Performance 34 Appendix 41 The Saudi Investment Bank – 3Q 2025 Investor Presentation
Slide 3: SAIB Overview
SAIB Overview The Saudi Investment Bank – 3Q 2025 Investor Presentation
Slide 4: Strong corporate and private banking franchise with well capitalized balance sheet
Strong corporate and private banking franchise with well capitalized balance sheet Number of Branches Number of Customers Key Stock Market Highlights -1 branch YTD +2% increase YTD ¥ 17.8 bn +9.4% 25.6% 50 955k Market Cap. Share Price (in last 1 year) owned by General Organization for Social Ins
Slide 5: Strong market recognition for excellence, performance, and innovation
Strong market recognition for excellence, performance, and innovation Obtained ISO 37301 Compliance Launched USD 1bn CD program The 4th most influential brand Certification, demonstrating and utilized in the banking and finance adherence to the highest USD 650mn sector in Saudi Arabia in 2024 standa
Slide 6: Nearly half a century of excellence: tracing our journey from 1976 into the future
Nearly half a century of excellence: tracing our journey from 1976 into the future Joint stock company SAIB successfully Share Purchase Treasury shares Launched a new 5-year Major share capital S60 Ventures Fund - established by Royal completed its IPO on Agreement with J.P. previously held by J.P.
Slide 7: Robust financial performance with double digit net profit growth and improved profitability
Robust financial performance with double digit net profit growth and improved profitability Total Operating Income (¥ mn) Operating Expenses (¥ mn) Net Income (¥ mn) +10% CAGR +9% CAGR +19% CAGR 3,967 4,178 1,657 1,735 1,957 1,445 1,762 3,278 1,214 1,270 1,508 2,846 2,753 980 1,062 2020 2021 2
Slide 8: Resilient asset quality, adequate capital and liquidity position to accelerate growth and returns
Resilient asset quality, adequate capital and liquidity position to accelerate growth and returns Loans & Advances (¥ bn) Deposits (¥ bn) ROE (%) +16% CAGR +12% CAGR +607bps 99.5 94.0 12.4% 12.7% 80.8 83.2 10.6% 68.9 69.6 57.8 60.1 61.5 7.5% 55.1 6.7% 2020 2021 2022 2023 2024 2020 2021 2022 20
Slide 9: Operating Environment
Operating Environment The Saudi Investment Bank – 3Q 2025 Investor Presentation
Slide 10: The Saudi Economy is healthy and growing despite lower oil prices
The Saudi Economy is healthy and growing despite lower oil prices Real GDP Growth (%) Oil Prices (USD) Brent Oil Price / Barrel (avg) WTI Oil Price / Barrel (avg) 4.0% 70.7WTI 82.3 79.9 4.0% 4.0% 77.6 3.3% 70.7 67.3 2.0% 75.5 67.3 0.5% 69.5 66.2 66.3 2023 2024 2025 2026 2027 2023 2024 2025 2026 2027
Slide 11: The Saudi Banking sector is healthy, profitable, and showing solid growth momentum
The Saudi Banking sector is healthy, profitable, and showing solid growth momentum, though liquidity remains tight Bank Credit (¥ bn) Bank Deposits (¥ bn) Profitability (%) ROE ROA 15.2% ROE 14.7% 15.0% +14% CAGR +9% CAGR 15.2% 13.7% 3,262 2,935 12.9% 2,956 2,473 2,692 2,349 2,584 2,104 2,295 2,
Slide 12: Strategy
Strategy The Saudi Investment Bank – 3Q 2025 Investor Presentation
Slide 13: Our 5 year strategy, Strategy 2027, set a bold vision and outlined priorities
Our 5 year strategy, Strategy 2027, set a bold vision and outlined priorities for each business and function Vision To be the trusted bank for our clients We build long term relationships with clients, create an unrivaled work environment for our people and deliver Mission consistent value for our
Slide 14: Strategy 2027 is transforming the bank through 40+ initiatives
Strategy 2027 is transforming the bank through 40+ initiatives, most of which are completed в Focus areas Corporate Banking Public Institutions Consumer, Private Banking Strategic segmentation & Core Accelerate Increase penetration Build differentiated 1 differentiated value prop business profitable
Slide 15: Delivering digital excellence: industry-leading apps and user experience
Delivering digital excellence: industry-leading apps and user experience Launched new mobile banking App with significantly improved Rolled out a Travel App with fully digital journeys from account performance and enhanced user experience. opening to card issuance supporting 100+ currencies. The awa
Slide 16: Innovating for customers: new products redefining value and experience
Innovating for customers: new products redefining value and experience Introduced KSA’s first Travel Account in partnership with Saudia Airlines offering travel miles on account balance. Launched a new Shariah-compliant Zakat-exempted Saving Account The account was voted product of the year KSA 2025
Slide 17: S60 Ventures Fund
S60 Ventures Fund managed by Alisthithmar Capital - a $100 Million fund for promising fintech startups A WELL CAPITALIZED, FINTECH‒FOCUSED VC FUND WITH STRONG TIES ACROSS THE ECOSYSTEM Mission Vision Values We want to empower visionary Our goal is to be the trusted Rooted in principle capital, we fo
Slide 18: Initiatives and enhancements across key enablers throughout the organization
We’ve also implemented several initiatives and enhancements across key enablers throughout the organization Implemented… Set up a venture capital arm, S60 Ventures, to back Revamping key customer journeys (Corporate and PI promising startups in FinTech and adjacent areas Banking) and service operati
Slide 19: Financial Performance 3Q 2025
Financial Performance 3Q 2025 The Saudi Investment Bank – 3Q 2025 Investor Presentation
Slide 20: SAIB is focused on delivering strong results across key performance indicators
SAIB is focused on delivering strong results across key performance indicators 9M 2025 DRIVERS LOANS & ADVANCES ¥ 110.6bn +11% YTD Strong growth in Corporate (+14%) and Private Banking (+12%) loans Balance Sheet DEPOSITS ¥ 105.2bn +12% YTD IBD growth (+25%) mainly driven by corporate customers, part
Slide 21: Balance sheet momentum from growth in financing and investment
Balance sheet momentum from growth in financing and investment, funded by deposits, interbank and term loan issuance Total assets up 11% YTD, driven by higher loans (+11%), investments (+14%), and bank placements (+185%), partially offset by lower balances with SAMA (-16%) Loans & Advances (¥ bn) Re
Slide 22: Sustained loan growth momentum, driven by corporate and private banking lending
Sustained loan growth momentum, driven by corporate and private banking lending 11% YTD growth in loans driven by 14% increase in +6% corporate lending due to widespread growth across Loans & Advances by Segment (%) sectors and further expansion of private banking lending +11% Total Loans YTD Acti
Slide 23: Investments grew by 14% to SAR 46.4 billion
Investments grew by 14% to ¥ 46.4 billion Investments grew by 14% since the beginning of the Investments, Gross by Type (%) Investments by Accounting Classification (%) year 96% of investments were fixed rate debt securities 2%2% 2%0.2% 62% of investments were accounted for amortized cost and 38% at
Slide 24: Robust funding structure, leveraging customer deposits and market presence
Robust funding structure, leveraging customer deposits and market presence SAIB’s funding is largely comprised of customers’ S&P Funding Structure Overview (¥ bn) Other Tier 1 sukuk deposits which represented 69% of total liabilities and BBB+ Shareholders' equity Term loans 60% of total liabilities
Slide 25: Customer deposits increased 12% YTD driven by IBDs
Customer deposits increased 12% YTD driven by IBDs Deposits grew 12% during 9M 2025 due to increased Deposits by Segment (%) interest-bearing deposits Diversified growth across business lines: Corporate +12% Deposits YTD deposits +25%, Retail +7%, Treasury & Investments +27% YTD 1% 16% IBDs rose 2
Slide 26: 6% growth in 9M 2025 earnings driven by increased operating income and lower risk cost
6% growth in 9M 2025 earnings driven by increased operating income and lower risk cost and operating expenses Net income increased 6% YoY in 9M 2025 driven by 2% growth in operating income, further aided by an 11% decrease in impairment charges and a 1% decrease in operating Net Income Movement YoY
Slide 27: NSCI is almost unchanged YoY as earnings asset growth offset NIM contraction
NSCI is almost unchanged YoY as strong average earnings asset growth of 20% was offset by 45bps NIM contraction NSCI almost remained unchanged YoY as 20% growth NSCI Movement YoY (¥ mn) NIM Movement YoY FY 2025 Guidance in average earning assets was partly offset by NIM NIM: 2.25% - 2.30% contractio
Slide 28: Growth in fee and other income of 13%
Growth in fee and other income of 13% driven by foreign exchange income and fee income from banking services Fee & other income increased 13% YoY in 9M 2025, Fee & Other Income Movement YoY (¥ mn) mainly driven by foreign exchange income fee income from banking services Foreign exchange income incre
Slide 29: Marginal decrease in operating expenses improving the cost to income ratio
Marginal decrease in operating expenses improving the cost to income ratio Operating expenses decreased 1% YoY in 9M 2025 Operating Expenses Composition Operating Expenses (¥ mn) driven by lower general & administrative expenses, partially offset by higher employee-related costs and (%) - 9M 25 depr
Slide 30: Credit quality remained stable with COR and NPL ratio at consistently low levels
Credit quality remained stable with COR and NPL ratio at consistently low levels Total impairments of ¥ 186 mn for 9M 2025, Impairments (¥ mn) Cost of Risk decreasing 11% YoY from ¥ 210 mn in 9M 2024 FY 2025 Guidance Cost of risk decreased 8 bps YoY to 0.23% in 9M COR: 0.30% - 0.35% 2025 NPL ratio d
Slide 31: Solid liquidity, funding and capital position with adequate buffers
Solid liquidity, funding and capital position with adequate buffers LCR increased by 44.7 ppt during 9M 2025 to 209.4%, Liquidity Ratios LCR NSFR Loans to Deposits Ratio SAMA LTD Headline LTD while NSFR increased 3.2 ppt to 111.9% At the end 3Q 2025, the SAMA regulatory LTD ratio was within required
Slide 32: Guidance
Guidance The Saudi Investment Bank – 3Q 2025 Investor Presentation
Slide 33: Financial performance largely in line with expectations; FY guidance unchanged
9M 2024 financial performance largely in line with expectations; FY guidance unchanged 2024 Actual 9M 2025 Actual 2025 Guidance Guidance revisions Balance Sheet LOANS & ADVANCES +23% +11% >>15.0% 15.0% Guidance unchanged YoY YoY YTD NET INTEREST MARGIN 2.68% 2.31% Approx. 2.25% - 2.75% 2.30% Revised
Slide 34: Segmental performance
Segmental performance The Saudi Investment Bank – 3Q 2025 Investor Presentation
Slide 35: Income and profit growth driven by growth across all segments except retail
Income and profit growth driven by growth across all segments except retail Total Operating Income Movement YoY (¥ mn) Net Income Before Zakat Movement YoY (¥ mn) +2% +7% 3,096 157 16 37 31 3,166 1,672 116 37 31 32 1,784 (170) (104) 9M 24 Retail Corporate Treasury Asset Mgmt. Other 9M 25 9M 24 R
Slide 36: Balanced contributions to Operating and Net Income from Retail, Corporate, and Treasury
Balanced contributions to Operating and Net Income from Retail, Corporate, and Treasury & Investment, with dominance of corporate loans and retail Deposits Total Operating Income (¥ mn) Retail Corporate Net Income Before Zakat (¥ mn) Retail Corporate Treasury & Investment Asset Mgmt. & Brokerage Tre
Slide 37: Strong Corporate net income growth of 15% YoY for 9M 2025
Strong Corporate net income growth of 15% YoY for 9M 2025 from higher operating income and lower impairments, partially offset by increased operating expenses ¥ Million 9M 2025 9M 2024 Δ 3Q 2025 3Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 1,177 1,018 +16% 417
Slide 38: Retail net income for 9M 2025 decreased 24% YoY
Retail net income for 9M 2025 decreased 24% YoY from lower operating income, partly offset by lower operating expenses ¥ Million 9M 2025 9M 2024 Δ 3Q 2025 3Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 928 1,095 -15% 262 378 -31% Fee & other income 93 96 -3% 33 2
Slide 39: Treasury and Investments net income for 9M 2025 grew by 6% YoY
Treasury and Investments net income for 9M 2025 grew by 6% YoY mainly due to higher fee & other income, lower expenses, and income from associates ¥ Million 9M 2025 9M 2024 Δ 3Q 2025 3Q 2024 Δ Net Income Before Zakat Movement YoY (SARmn) Net Special Commission Income 519 518 +0% 169 212 -20% Fee & o
Slide 40: Asset management and brokerage net income for 9M 2025 grew by 35% YoY
Asset management and brokerage net income for 9M 2025 grew by 35% YoY due to higher fee & other income and net special commission income ¥ Million 9M 2025 9M 2024 Δ 3Q 2025 3Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 58 50 +15% 21 17 +23% Fee & other income 15
Slide 41: Appendix
Appendix The Saudi Investment Bank – 3Q 2025 Investor Presentation
Slide 42: Sustainability embedded in SAIB's core business and governance
Sustainability has for nearly 10 years been embedded in SAIB's core business and governance, and is now freshly aligned with the Saudi Vision 2030 sustainable development goals Employee capital 1 Social capital Customer capital Takleef (Responsibility) Awn (Helping Others) Responsible banking practi
Slide 43: Core components of SAIB's sustainable finance framework
Core components of SAIB’s sustainable finance framework Use of proceeds categories under SAIB’s sustainable finance framework Use of Proceeds Project Selection & Management of Reporting Evaluation Proceeds 1 Renewable Energy • Allocation of an amount • A Sustainable Finance • Proceeds will be • Annu
Slide 44: Partnership with Real Madrid
Strengthening our value proposition through a prestigious partnership with Real Madrid Through this partnership, SAIB aims to introduce a unique customer experiences focusing on customer centricity and personalized experiences: • General Customer Experiences. SAIB offers its customers exceptional fo
Slide 45: 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. Some of the information that is relied upon by SAI
Slide 46: 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 – 3Q 2025 Investor Presentation P. 46
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