Riyad Bank · TADAWUL:1010
Riyad Bank — FY2025 Earnings Presentation
47 slides from Riyad Bank's earnings presentation, 2026
Slide 1: Public
Public
Slide 2: Content
Content Riyad Bank Profile 3 Strategy 7 Sustainability 12 Operating Environment 14 Financial Performance 19 Appendix 45 Public
Slide 3: Riyad Bank Profile
Riyad Bank Profile Public
Slide 4: Summary Profile
Profile Summary Profile Riyad Bank is the third largest bank in Saudi Arabia Our Vision Our Employees Our Presence To be the most innovative . & trusted financial solutions x Employees* 7,130 London Guanes partner ° oo Lo} & FemaleEmployees* 30% ee 2025 Key Metrics Singapore ° Assets Operating Incom
Slide 5: Market Shares
Market Shares Profile Riyad Bank is consistently in the top 3 KSA banks across arange of metrics 2025 Total Assets (4¢bn) & Market Share (%) 1,210 1,043 519 Y 455 26.1% To 50% | i “ Peer1 311 a: Peer2 RiyadBank Peer3 Peer 4 Retail Banking Market Share (%) 92% B.A% 8.2% 8.6% = 8 8.4% 8.2% 7.9% 7.8% a
Slide 6: Market Parameters
Market Parameters Profile Riyad Bank is a liquid stock with strong domestic ownership Market Capitalization v 52-week Trading Range (4) 31Dec 2025 31Dec 2025 -5.1% YoY fun 81.420 25.52 — 32.95 Valuation Metrics 8.2x 1.26x 5.2% Riyad Bank Share Price Performance (Indexed to 31 Dec 2020) 12-20. 07-21
Slide 7: Strategy Update
Strategy Update Public
Slide 8: 2025 Strategy Closure
Strategy 2025 Strategy Closure Aspiration Achievements for 2025 Strategy Strategi 8 . . Gf eee MostProfitable = Most Efficient $088 BankofChoice [FY A Definition Sustainable profit growth Highestreturnon spend and Best bank for customer, and returns to shareholders operational excellence employees a
Slide 9: Key Financial Achievements for 2025 Strategy
2025 Strategy Closure Key Financial Achievements for 2025 Strategy 2020 Total Assets 3 1 0 Le & Atvenscame a 1 9 1 Net Income 4.7 2025 Total Assets 5 19 L & enencecinat = 3 73 Net Income 10.4 Strategy CAGR Growth Total Assets + 1 1 % L & Rime a + 1 4 % Net Income 2 + 1 7 % 2020 Cc I ‘ost to nome maa
Slide 10: Strategic Ambition
Strategic Ambition Strategy 2030 aspiration responds to the key shifts reshaping banking & sector dynamics, digital & customer evolution, and revenue diversification Our strategy is built on four themes: Hyperscale Retail Increase our current customer base through digital acquisition, embedding into
Slide 11: Strategic Ambition: Vision and Strategic Pillars for 2030
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 12: Sustainability Update
Sustainability Update Public
Slide 13: ESG Highlights
ESG Highlights Embedding Sustainability into the Bank’s strategy & Environmental Aa Social Sustainability ir Governance Net Zero financed emissions by 2060 Power: 186 CO2/GWh 2030Target on & steel: 1.3 CO2/t steel Power: 188 tCO2/GWh 2023 Iron & Steet: 1.4tCO2/t steel Benchmark 2024/2025 under evalu
Slide 14: Operating Environment
Operating Enviroment Public
Slide 15: Global Economy
Global Economy Global growth steadies as inflation pressures ease Environment Global activity remains broadly stable through 2026-2027 as easing inflation. This apparent stability reflects offsetting forces: headwinds from shifting trade policies and uncertainty are increasingly balanced by strong t
Slide 16: KSA Economic Growth
KSA Economic Growth Environment Saudi growth outlook supported by oil normalization and non-oil momentum Growth outlook remains firm into 2026-2027, supported by continued policy backing, gradual oil activity increase, and sustained non-oil expansion. IMF and WBG maintain relatively strong growth pr
Slide 17: KSA Inflation and PMI
KSA Inflation and PMI Environment Inflation remains contained as PMI signals sustained expansion Inflation remains moderate despite sectoral divergence, with housing driving services inflation while goods prices soften. PMI indicators continue to signal solid non-oil expansion, pointing to sustained
Slide 18: KSA Banking Sector
Environment KSA Banking Sector The Saudi banking sector is attractively positioned for growth Bank Credit (4bn) Bank Deposits (ebn) +9% CAGR 2,956 psa 2a73 2,692 Qon3 2,349 Gee) 1,943 2,104 BS : 1,783 2,059 r Yor U +16% 14% +10% 114% +12% Yor +8% 19% +8% 19% 19% 2020 2021 2022 2023 2024 2025 2020 20
Slide 19: FY 2025 Financial Performance
FY 2025 Financial Performance Public
Slide 20: Balance Sheet Summary
Balance Sheet Summary Financials Balance sheet expanded by 15% YTD mainly driven by loans and investments growth which was funded by a mix of customer deposits and wholesale funding + Total assets amounted to 4 519 bn as of 31st December 2025, up 15% YTD on the back of the 17% growth in loans and ad
Slide 21: Loan Book Overview
Loan Book Overview Financials Growth in the loan portfolio is coming mainly from the commercial book while consumer loans growth was primarily from mortgages and auto loans Loans & Advances, Net Movement Commercial Loans, Net by Economic Sector Movement YTD (sbn) Retail Loans, Net by Product Movemen
Slide 22: Credit Quality
Credit Quality Financials Solid and resilient financial position with non-performing loan ratio improving year-on-year, reaching 0.79% as of 31st December 2025 NPLs by Segment (bn) NPLs (4¢bn) NPL Ratio (%) 3.9 4.1 3.0 3.2 3.3 3.0 _— 1.14% 1.13% 0.98% 5 11 0.87% —_ 0.79% 18 an QoQ 423% +4% -20% 9% 4
Slide 23: Credit Quality: NPL Coverage
Financials Credit Quality NPL coverage ratio remains healthy at 150.1% with stage 3 coverage stable year- on-year at 50% + Healthy NPL coverage ratio standing at Total Allowances (4kbn) NPL Coverage Ratio (%) HOMIRT Mee 150.1% as of 315t December 2025. 4Q-25 —_ #54 160% Yor + Theretail NPL coverage
Slide 24: Investments
Financials Investments Investments grew by 13% YTD, primarily driven by robust growth in high quality fixed rate assets + Investment portfolio increased by 13% YTD reaching to + Investments, Net (4¢bn) Net Investments Composition, 4Q-25 (4tbn) 79.5bn as of 31** December 2025. + The year-to-date grow
Slide 25: Deposits
Deposits Financials Customers’ deposits grew by 8% year-to-date mainly from interest-bearing deposits mimicking a sector-wide trend + Customer deposits amounted to 4 331.7 bnas of 31°t December 2025, an increase of 8% YTD. + Interest bearing deposits increased rapidly by 25% YTD as of 315 December 2
Slide 26: Public
◆ ◆ ◆ 120.0% 160.0% 100 500 140.0% 100.0% 90 120.0% 80 400 80.0% 70 100.0% 60 300 60.0% 80.0% 50 60.0% 200 40 40.0% 30 40.0% 100 20 20.0% 20.0% 10 0 0.0% 0 0.0% Public
Slide 27: Capitalization
Capitalization Capitalization remains healthy and well above regulatory minima Total Regulatory Capital Movement YTD (4bn) +11 10.4 78.2 | 06 (0.6) (5.2) = 49-24 Netincome Tier 1 sukuk cost Dividends paid Capital Ratios (%) 18.9% tay 17.5% 17.8% . 16.9% 16.4% 16.4% , 15.9% 15.8% 16.0% 14.1% 13.9% =
Slide 28: Income Statement Summary
Income Statement Summary Financials Net income reached 4 10,411 million in FY 2025, a growth of 12% supported by higher total operating income, resulting in ROAE standing at 16.9% YoY % 4 (mn) 40-2024 Change NscI 3,432 1% Fee & other income 1,222 +3% Total operating income 4655 40% Expensesbefore im
Slide 29: Net Special Commission Income
Financials Net Special Commission Income NSCI witnessed a modest growth, propelled by increased volume which was offset by higher cost of funds + Net special commission income amounted to 4 13,072 NSCI Movement Yoy (smn) million in FY 2025, a steady growth of 2% over the corresponding period in 2024
Slide 30: Net Special Commission Margin
Net Special Commission Margin Financials NSCI margins were lower from loans repricing at lower rates while cost of funding slightly increased from the change in deposits and liabilities mix ‘+ Net special commission margin was lower by 52bps reaching to 2.88% YoY for FY 2025. + Quarterly net special
Slide 31: Interest Rate Sensitivity
Financials. Interest Rate Sensitivity Neutral sensitivity to the interest rate changes * The Group assess sensitivity to a possible change in special commission rates, with other variables held constant and assuming a constant balance sheet mix. Impact of -25bp rate change Impact of -25bp rate chang
Slide 32: Fee & other income
Financials Fee & other income The momentum in fee & other income continues with a strong growth in banking services driven by strategic focus on cross-sell activities YoY % YoY % AG (rmn} eect Change BeOS Change Fee & Other Income Movement YoY (Jemn) Fee income from banking services 1283 8% 4539 +11
Slide 33: Operating Expenses
Financials Operating Expenses Positive jaws improved cost efficiency despite ongoing investments in people, infrastructure, digital capabilities, and strategic initiatives + Operating expenses before impairments increased by 3% to reach 4 5,433 million during FY Expenses before Impairments Movement
Slide 34: Impairment charges
Financials. Impairment charges Strong recoveries coupled with proactive risk management and sound asset quality resulted in lower cost of credit risk + Impairment charges decrease by 16% YoY to 4 1,374mn Impairments (mn) Cost of Credit Risk (%) in FY 2025. + Quarterly impairment charges declined by5
Slide 35: Segment Dashboard
Segment Dashboard Financials Corporate segment accounts for 55% of total operating income translating into 65% share in net income before Zakat g Corporate Treasury and Investments i Investment Banking and Brokerage Operating Income » 10,062 Operating Income FY-25 alta +4% YoY finn 4494 Operating I
Slide 36: Corporate Segment
Financials. Corporate Segment Strong growth in fee and other income, coupled with higher NSCI bolstered corporate profitability despite the rising in operating expenses YoY % YoY % + Netincome before zakat for the phic) Bmireg 40-2024 o, BARE FY-2024 oo. Net Income Before Zakat Movement YoY (4¢mn) C
Slide 37: Retail Segment
Retail Segment Financials Retail net income grew by 41% YoY during FY 2025, primarily driven by NSCI growth, partially offset by the increase in operating expenses * Net income before zakat for the Retall segment increased by 41% YoY to reach 4 1,320mn in FY 2025 mainly due to increase in NSCI. * NS
Slide 38: Treasury and Investments Segment
Treasury and Investments Segment Financials Treasury and Investments net income before Zakat decreased by 1% YoY impacted by the decline in NSCI, higher operating expenses and provisions * Net income before zakat for the Treasury and Investments segment decreased by 1% YoY to reach 4 2,065mn in FY 2
Slide 39: Investment banking and brokerage Segment
Investment banking and brokerage Segment Financials Investment banking and brokerage witnessed a slight decreased in net income before Zakat, resulted from the rise in provisions YoY % YoY % + Net income before zakat for Investment Gro 40-2025 atone Char banking and brokerage slightly decreased by0%
Slide 40: Outlook & Guidance
Outlook & Guidance Public
Slide 41: Guidance
Guidance 2030 strategy fue Balance Sheet Profitability Asset Quality Capital s the promising outlook for 2026 Loans, Net Net Special Commission Income Cost to Income Return on Equity Cost of Credit Risk r=) Tier1 Capital Ratio FY 2025 FY 2026 Guidance Financials Drivers 4 373bn High Single Digit (17
Slide 42: Historical Performance
Historical Performance Public
Slide 43: Balance sheet 5-year Summary
Balance sheet 5-year Summary Total Assets (4kbn) Loans & Advances, Net (bn) Deposits (Jkbn) 519.5 373.3 331.7 ge73 1524 o7ag 3202 rag Ot 325.7 359.7 [| | 217.3 242.4 [ | piggy 209 l il +3% i 115% r. i i 117% I dt 16% i 8% 2021 2022 © 2023 «2024 = 2025 2021 2022 © ©2023 «2024 «2025 2021 2022 ©2023 «2
Slide 44: Income Statement 5-year Summary
Income Statement 5-year Summary Total Operating Income (4mn) 2021 2022 2023 2024 2025 Net Income (4mn) _ 9,322 10,411 6,025 7,019 [| | J 416% L 415% 416% 412% 2021 2022 2023 2024 2025 NSCI Margin (%) 3.61% 3.40% 2.97% 311% 2: 2021 2022 2023 2024 2025 2021 = 2022 ROAE, ROAA Before Zakat (%) Cost to I
Slide 45: Appendix
Appendix Public
Slide 46: Riyad Bank Contact
Appendix Riyad Bank Contact Contact the investor relations for more information Investor Relations Contact Visit our website for more information and to access our disclosures @®) 96611 401 3030 Ext. 3502 BX] Investor.relations@riyadbank.com © _ RiyadBank Tower King Abdullah Financial District (KAFD
Slide 47: Disclaimer
Appendix Disclaimer 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 the business, future plans and strategie