Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — 9M 2025 Earnings Presentation
25 slides from Saudi Investment Bank's earnings presentation, Oct 30, 2025
Slide 1: Earnings Presentation 9M 2025
The picture can't be displayed. Earnings Presentation 9M 2025 30 October 2025 The Saudi Investment Bank – 3Q 2025 Earnings Presentation
Slide 2: Contents
Contents Performance Highlights 3 Strategy 5 Financial Performance 9 Guidance 21 Q&A 23 The Saudi Investment Bank – 3Q 2025 Earnings Presentation
Slide 3: Growth momentum sustained in 9M 2025 demonstrating solid progress
Growth momentum sustained in 9M 2025 demonstrating solid progress Loans (¥ bn) Net Income (¥ mn) Net Income grew by 6% YoY to 1,447 1,534 94.9 99.5 110.6 Solid balance sheet ¥1,534 mn, driven by top-line expansion, driven by 11% growth and lower risk cost +11% YTD YTD increase in loans +6% YoY ROE g
Slide 4: 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 5: Strategy
Strategy The Saudi Investment Bank – 3Q 2025 Earnings Presentation
Slide 6: 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 7: 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 8: SAIB implemented several initiatives and enhancements across key enablers
SAIB 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 operations fo
Slide 9: Financial Performance
Financial Performance 9M 2025 The Saudi Investment Bank – 3Q 2025 Earnings Presentation
Slide 10: 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 11: 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 12: 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 13: Investments grew by 14% to ¥ 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 14: 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 15: 6% growth in 9M 2025 earnings driven by increased operating income
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 16: NSCI is almost unchanged YoY as asset growth was offset by 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 17: 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 18: 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 19: Credit quality remained stable with COR and NPL ratio at 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 20: 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 21: Guidance
Guidance The Saudi Investment Bank – 3Q 2025 Earnings Presentation
Slide 22: 9M 2025 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 23: Q&A
Q&A The Saudi Investment Bank – 3Q 2025 Earnings Presentation
Slide 24: 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 25: 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 Earnings Presentation P. 25
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