Saudi Awwal Bank · TADAWUL:1060
Saudi Awwal Bank — Q2 2026 Earnings Presentation
22 slides from Saudi Awwal Bank's earnings presentation, 2026
Slide 1: Saudi Awwal Bank 2Q26 Earnings call presentation
Saudi Awwal Bank 2Q26 Earnings call presentation
Slide 2: CEO's key 2026 messages
CEO's key 2026 messages Xd Ss
Slide 3: SAR SAR
◆ ◆ ◆ ◆ SAR ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ SAR SAR PUBLIC 2
Slide 4: SAR PUBLIC
◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ SAR PUBLIC
Slide 5: 2026 financials
a ag Se \ ae he ee er a 2026 financials Jgill SAB
Slide 6: SAR
SAR ▼ ▼ ▲ ▼ ▼ ▲ ▲ ▲ ▲ ▼ ▲ ▲ ▼ ▼ ▲ ▼ ▼ ▲ ▼ ▼ ▼ ▲ ▲ ▼ ▼ ▼ ▼ ▼ ▼ ▼ ▲ ▲ ▲ ▼ ▼ ▼ ▼ ▼ ▼ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▼ ▼ ▲ ▲ ▲ ▲ ▲ ▲ ▼ ▲ ▲ ▼ PUBLIC 5
Slide 7: SAR SAR
SAR SAR +15% +7% 2,503 2,503 2,616 2,491 2,406 ◆ 2,268 ◆ 713 737 730 755 707 559 ◆ 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 -64% 556 401 0% 329 361 300 152 203 104 101 100 93 92 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1. Reclassification from fee to special com
Slide 8: NSCI and non-funds revenue
NSCI and non-funds revenue 3% NSCI expansion sequentially and stability in NIM in the second quarter. Net Special Commission Income, # m, NIM, Yield and Cost-of-funds, % PV unwind I NSCl excl. PV unwind Gc) Average interest earning assets, # bn —— Gross yield. — — Cost of funds —*— NSCI margin 53 53
Slide 9: SAR SAR
SAR SAR ◆ ◆ ◆ ◆ ◆ ◆ SAR SAR 1. Reclassification from fee to special commission income, applied retrospectively to 2022 for comparability. PUBLIC 8
Slide 10: Costs
Costs Operating expenses remain well managed with 3% YoY growth; 1H26 cost efficiency ratio of 30.4% Recent cost trend, 4+ m 1.127 4101 1,110 1,051 1,075 1,074 1,091 1,071 1,074 024 2024-3024 402410252025 3025 4025 = 1026 1H26 costs by type, # m General and administrative expenses 26% Salaries and e
Slide 11: SAR SAR
SAR SAR Purchased or originated credit impaired PUBLIC 10
Slide 12: Customer lending
Customer lending Strong lending growth of 4% QoQ, which remains ahead of the sector; we possess a diversified lending portfolio. Gross customer lending, 4 bn . Gross customer lending, by sector Faster-than- market growth has seen our overall market Other Government share grow to Mortgages inance 247
Slide 13: SAR SAR
SAR SAR SAR 10% SAR 1. As at 31 March 2026 PUBLIC 12
Slide 14: SAR
SAR 24% 29% 18% SAR 1. Excluding SAB invest portfolio of SAR1.7bn PUBLIC 13
Slide 15: Customer deposits and liquidity
Customer deposits and liquidity Funding and liquidity remain robust as we continue to capture deposits in light of the current challenging geo-political environment; NIBs balances retain their stability. Customer deposits, # bn Strong funding base lM Deposits —— Reg LDR — — Simple LDR 4023 4024 4025
Slide 16: 1. During 3Q25, SAB has revalued a small number of equity investments, which has
1. During 3Q25, SAB has revalued a small number of equity investments, which has resulted in a SAR1.2bn restatement of equity. 2023 and 2024 RoTE has been restated to provide a comparative PUBLIC 15
Slide 17: 3. During 3Q25, SAB has revalued a small number of equity investments, which has
◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ 1. NIM has been improved by the reclassification from fee to special commission income, applied retrospectively to 2021 for comparability 2. Post AT1 coupon payment. 3. During 3Q25, SAB has revalued a small number of equity investments, which has resulted in a SAR1.2bn restatement
Slide 18: Appendix
SSS SS IX gill SAB Append
Slide 19: SAR SAR
األول األول األول SAR SAR PUBLIC
Slide 20: Investment case: Five reasons to invest in SAB
Investment case Five reasons to invest in SAB 1. Leading international bank in the Kingdom Our institution has developed into the leading international bank in the Kingdom. through a deep understanding of the needs of our customers and a bespoke product suite that delivers intrinsic value. Our uniqu
Slide 21: SAB's differentiation - connectivity with HSBC
SAB’s differentiation - connectivity with HSBC Our contribution to bringing the world to Saudi, and Saudi to the world Product Capal Saudi extension to Global Network bank in KSA with Other HSBC G C . Only national bank of scale all key business roup Companies in Global Network Unrivalled integrated
Slide 22: Medium term outlook: 2024 to 2026
Medium term outlook: 2024 to 2026 . Sustainably gain market Grow sustainable returns nadly g . : . share in lending over the in a changing environment next 3 years The leading international bank in the Kingdom Alawwal (the best) in customer experience Be future-ready by leading in digital and ESG Al