Riyad Bank · TADAWUL:1010
Riyad Bank — FY2025 Earnings Presentation
22 slides from Riyad Bank's earnings presentation, 2026
Slide 1: Riyad Bank FY 2025 Earnings Presentation
Public
Slide 2: FY 2025 Performance Highlights
Highlights FY 2025 Performance Highlights Solid balance sheet Ail growth “ 4¢519Bn 4 373Bn +15% YOY +17% YOY Total Assets Loans, Net A dt 444Bn 4t 332Bn +16% YOY +8% YOY A Total A Customer Liabilities Deposits Sustainable profitability dt 18.4Bn +6% YOY a Operating Income, net dt 10.4Bn +12% YOY a N
Slide 3: Strategy Update
Strategy Update Public
Slide 4: 2025 Strategy Closure
Strategy 2025 Strategy Closure Aspiration Achievements for 2025 Strategy 9 Strategic Pillars EE) Definition @ Focus Area lf Achievements Most Profitable E Sustainable profit growth and returns to shareholders Profitability Growth We strengthened profitability through disciplined growth, sustainable
Slide 5: 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 2 4.7 2025 Total Assets 5 19 L & enencecinat = 3 73 Net Income 2 10.4 Strategy CAGR Growth Total Assets + 1 1 % L & Rime =a + 1 4 % Net Income 2 + 1 7 % 2020 Cc I oeeerato «3
Slide 6: 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 7: Strategic Ambition: Strategy 2030 Vision and Pillars
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 w ff mi Q CG) ¢ STRATEGIC Ww = ae - PILLARS Strong shareholder Delighting cust
Slide 8: FY 2025 Financial Performance
FY 2025 Financial Performance Public
Slide 9: Solid growth in profitability and balance sheet expansion
Solid growth in profitability boosted by operating income growth, improved efficiencies and normalized cost of credit risk Balance sheet expansion driven by strong loans growth which was funded by a mix of wholesale funding and IBs (2) Improved efficiencies driven by positive jaws while investments
Slide 10: Assets and Financing
Assets and Financing Financials Solid balance sheet expansion primarily fueled by a robust growth in loans, investments and interbank placements Total Assets Movement YTD (bn) 451.4 1.0 (3.3) -15% +5% 4Q-24 with SAMA, net Loans & Advances, Net Movement YTD (s¢bn) Cash &balances Duefrombanks,net Inve
Slide 11: Liabilities, Funding and Liquidity
Liabilities, Funding and Liquidity Financials While continuing to diversity the funding sources through customer deposits and wholesale funding to support the overall liquidity position Total Liabilities Movement YTD (4¢bn) 34.6 25.3 383.0 || = | (2a) _ 5% +8% +260% 4Q-24 Interbank Deposits Debt sec
Slide 12: Net Special Commission Income & Margin
Net Special Commission Income & Margin Financials NSCI witnessed a modest increase, propelled by volume growth which was offset by higher cost of funds NSCI (smn) 12,873 13,072 FY-24 FY-25 Quarterly NSCI Margin and SAIBOR Trend (%) 5.56% © §.42% 5.41% 5.38% 5.03% 9 536% 3.09% 2.90% 270% 2.85% 4Q24 1
Slide 13: Fee & Other Income
Fee & Other Income Financials The momentum in fee & other income continue to be driven by our strategic focus on cross-sell activities to diversify our revenue streams Fee & Other Income Movement YoY (4mn) 488 546 28 5,310 4,411 = _— = i (163) -_ +16% -21% 493% +54% = FY-24 Banking services FXincome
Slide 14: Operating Expenses and Efficiency
Operating Expenses and Efficiency Financials Positive jaws improved cost efficiency despite ongoing investments in people, infrastructure, digital capabilities, and strategic initiatives Expenses before Impairment Movement YoY (mn) Expenses before Impairments 5,286 82 20 54 -_ +3% +9% +8% FY-24 Empl
Slide 15: Impairment Charge and Cost of Risk
Impairment Charge and Cost of Risk Financials Strong recoveries coupled with proactive risk management and sound asset quality resulted in lower cost of credit risk NPL Movement by Sector YTD (4#mn) 3,174 cD (110) = 5% -9% 4Q-24 Commercial Retail Impairments for Credit Losses Movement YoY (4¢mn) 2,9
Slide 16: Net Income and Returns
Net Income and Returns Financials Together these factors drove the solid growth in profitability Net Income Movement YoY (4¢mn) 258 9,322 198 Ge _— -— — (147) +2% +20% +3% -16% FY-24 NSCI Fee & other income Expenses before Impairments impairments ROAE (%) Yo 16.5% 16.5% 16.9% 172% Boos FY 24 1Q25 1H
Slide 17: Capitalization
Financials Capitalization While capitalization remains healthy and well ahead of regulatory minima Total Regulatory Capital Movement YTD (bn) Risk Weighted Assets (bn) 10.4 3.9 86.7 455.5 461.7 472.6 78.2 = _ 413.0 440.4 ee a 347 — 150 (0.6) A ene an8 iis ” : i 381.9 407.2 422.5 429.4 440.0 = = QoQ
Slide 18: Guidance: 2026 Outlook
Guidance 2030 strategy fuels the promising outlook for 2026 Balance Sheet Profitability Asset Quality Capital Loans, Net Net Special Commission Income Cost to Income Return on Equity Cost of Credit Risk Tier 1 Capital Ratio FY 2025 FY 2026 Guidance Financials Drivers 4 373bn High Single Digit (17% Y
Slide 19: Q&A
Q&A Public
Slide 20: Appendix
Appendix Public
Slide 21: Embedding Sustainability into the Bank's Strategy
Guidance Embedding Sustainability into the Bank’s strategy & Environmental && Social Appendix ir Governance Net Zero financed emissions by 2060 Power: 186 CO2/GWh 2030Target on & steel: 1.3tCO2/t steel Power: 188 CO2/GWh 2023 Iron & Steet: 1.44CO2/t steel Benchmark 2024/2025 under evaluation Net Zer
Slide 22: Riyad Bank Contact
Appendix Riyad Bank Contact Contact the investor relations for more information Investor Relations Contact Riyad Bank Head Office 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 F