Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — Q1 2026 Earnings Presentation
26 slides from Saudi Investment Bank's earnings presentation, May 6, 2026
Slide 1: Earnings Presentation 1Q 2026
Earnings Presentation 1Q 2026 06 May 2026
Slide 2: Contents
Contents Performance Highlights 3 Strategy 5 Financial Performance 10 Guidance 22 Q&A 24 The Saudi Investment Bank – 1Q 2026 Earnings Presentation
Slide 3: Growth momentum sustained in 1Q 2026 demonstrating solid progress
Growth momentum sustained in 1Q 2026 demonstrating solid progress Loans (¥ bn) Net Income (¥ mn ) 897 115.6 Net Income grew by 3 % YoY to 104.1 112.1 Solid balance sheet 503 520 ¥520mn expansion , driven by 3 % +3% YTD YTD increase in loans +3% YoY ROE declined by 69 bps YoY to 1 2 .2 % 115.6 bn 1
Slide 4: 1Q 2026 in Review: strong market recognition for excellence, performance, and innovation
1Q 2026 in Review: strong market recognition for excellence, performance, and innovation SAIB is honored to be included in Forbes’ prestigious list of the top 100 Most Valuable Companies in the Middle Highly awarded East for the year 2026 The Saudi Investment Bank has been recognized with prestigiou
Slide 5: Strategy
Strategy The Saudi Investment Bank – 1Q 2026 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 Core business segments Vision To be the trusted bank for our clients Corporate Banking Public Institutions Accelerate profitable growth Increase penetration and grow DDA and fees Mission We
Slide 7: Strategy 2027 drove a bank-wide transformation through 43 initiatives, most now completed
Strategy 2027 drove a bank -wide transformation through 43 initiatives, most now completed Core business segments Focus Areas Corporate Banking Public Institutions Consumer, Private Accelerate profitable growth Increase penetration and grow DDA and fees Banking Build differentiated value Strategic s
Slide 8: Further enhancements being implemented across businesses and key enablers
Further enhancements being implemented across businesses and key enablers such as Risk, Data & AI, HR Implemented… …and more in the pipeline Launching best -in -class Corporate Set up a venture capital arm, S60 Established best -in -class Internet Banking with Ventures , to back promising capabiliti
Slide 9: In Q4 2025, we refreshed our Strategy 2027 to identify further priorities
In Q4 2025, we refreshed our Strategy 2027 to identify further priorities for the remaining period Key considerations in the Additional strategic priorities Strategy Refresh for 2026 and 2027 Progress made in the last 3 years Revamp the liability strategy to on the Strategy 2027 priorities and impro
Slide 10: Financial Performance
Financial Performance 1Q 2026 The Saudi Investment Bank – 1Q 2026 Earnings Presentation
Slide 11: SAIB is focused on delivering strong results across key performance indicators
SAIB is focused on delivering strong results across key performance indicators 1Q 2026 DRIVERS LOANS & ADVANCES ¥ 115.6 bn +3% YTD Strong growth in Corporate (+ 4%) and Private Banking (+ 3 %) loans Balance Sheet IBD growth (+18%) mainly driven by retail customers, partially offset by NIBD DEPOSITS
Slide 12: Balance sheet momentum from growth in financing and SAMA placements, funded by deposits
Balance sheet momentum from growth in financing and SAMA placements, funded by deposits Total assets up 4% YTD , driven by higher loans (+3%), cash and balances with SAMA (+59%), and bank placements (+19%), partially offset by lower investments ( -1%) Loans & Advances (¥ bn) Retail Corporate Other T
Slide 13: Sustained loan growth momentum, driven by corporate and private banking lending
Sustained loan growth momentum, driven by corporate and private banking lending 3% YTD growth in loans driven by 4% increase in Loans & Advances by Segment (%) corporate lending due to widespread growth across sectors and further expansion of private banking lending +11% Total Loans YoY Active par
Slide 14: Investments declined modestly by 1% YTD to SAR 46.9 billion
Investments declined modestly by 1% YTD to ¥ 46. 9 billion Investments declined by 1 % during 1Q 2026 Investments, Gross by Type (%) Investments by Accounting Classification (%) 96% of investments were fixed rate debt securities 63% of investments were accounted for amortized cost and 36% at fair va
Slide 15: Customer deposits increased 12% YTD driven by IBDs
Customer deposits increased 1 2% YTD driven by IBDs Deposits grew 1 2% during 1Q 2026 due to increased Deposits by Segment (%) interest -bearing deposits (IBDs) Growth was primarily driven by retail deposits, including +21% Deposits YoY public institutions, up 17% YTD, while Treasury & Investments
Slide 16: 3% growth in 1Q 2026 earnings driven by increased operating income
3% growth in 1Q 2026 earnings driven by increased operating income, supported by lower operating expenses and impairments Net income increased 3% YoY in 1Q 2026 driven by 1% growth in operating income, further aided by 5% decrease in operating expenses and 6% decrease in impairments, Net Income Move
Slide 17: NSCI grew 2% YoY as strong average earnings asset growth was offset by NIM contraction
NSCI grew 2% YoY as strong average earnings asset growth of 11% was offset by 22bps NIM contraction NSCI grew by 2% YoY as 11 % growth in average NSCI Movement YoY (¥ mn ) NIM Movement YoY FY 202 6 Guidance earning assets was offset by NIM contraction NIM : 2.10% - 2.25% The NIM declined by 22 bps Y
Slide 18: Fee and other income declined by 5% driven by lower investment gains
Fee and other income declined by 5% driven by lower investment gains Fee & other income de creased 5% YoY in 1Q 2026, Fee & Other Income Movement YoY (¥ mn ) mainly driven by lower investment gains Foreign exchange income remained broadly stable YoY in 1Q 2026 -5% Fee income from banking services
Slide 19: Marginal decrease in operating expenses and improving cost to income ratio
Marginal decrease in operating expenses and improving cost to income ratio Operating expenses decreased 5% YoY in 1Q 2026 Operating Expenses Composition Operating Expenses (¥ mn ) driven by lower general & administrative expenses and depreciation & amortization, partially offset by higher (%) - 1Q 2
Slide 20: 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 ¥58 mn for 1Q 2026, decreasing Impairments (¥ mn ) Cost of Risk 6% YoY from ¥61 mn in 1Q 2025 FY 202 6 Guidance Cost of risk decreased 4 bps YoY to 0.20% in 1Q COR : 0.25% - 0.35% 2026 NPL ratio dec
Slide 21: Solid liquidity, funding and capital position with adequate buffers
Solid liquidity, funding and capital position with adequate buffers LCR increased by 5 .4 ppt during FY 2025 to 1 90 .8 %, Liquidity Ratios LCR NSFR Loans to Deposits Ratio SAMA LTD Headline LTD while NSFR increased 0 .5 ppt to 112. 5 % At the end 1Q 2026, the SAMA regulatory LTD ratio 212.0% 209.4%
Slide 22: Guidance
Guidance The Saudi Investment Bank – 1Q 2026 Earnings Presentation
Slide 23: 1Q 2026 financial results were largely in line with expectations and FY guidance is unchanged
1Q 2026 financial results were largely in line with expectations and FY guidance is unchanged 2025 Actual 1Q 2026 Actual 2026 Guidance Guidance Revisions Balance Sheet LOANS & ADVANCES +13% +3% Mid to High > 15.0% Guidance Unchanged single digit YoY YoY YTD NET INTEREST MARGIN 2.26% 2.23% Approx. 2.
Slide 24: Q&A
Q&A The Saudi Investment Bank – 1Q 2026 Earnings Presentation
Slide 25: 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 S
Slide 26: 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 – 1Q 2026 Earnings Presentation P. 26
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