Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — Q1 2026 Earnings Presentation
49 slides from Saudi Investment Bank's earnings presentation, May 6, 2026
Slide 1: Investor Presentation 1Q 2026
Investor Presentation 1Q 2026 06 May 2026
Slide 2: Contents
Contents SAIB Overview 3 KSA Operating Environment 10 Strategy 13 Financial Performance 22 Guidance 35 Segmental Performance 37 Appendix 44 The Saudi Investment Bank – 1Q 2026 Investor Presentation
Slide 3: SAIB Overview
SAIB Overview The Saudi Investment Bank – 1Q 2026 Investor Presentation
Slide 4: Strong corporate and private banking franchise with well capitalized balance sheet
Strong corporate and private banking franchise with well capitalized balance sheet Number of Branches Number of Customers Key Stock Market Highlights Unchanged YTD +0.2% increase YTD ¥ 16.5 bn -9 .3% 25.6% 50 961k Market Cap. Share Price (in last 1 year) owned by General Organization for Social
Slide 5: 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 6: 1Q 2026 in Review: strong market recognition for excellence, performance, and innovation
1Q 2026 in Review: strong market recognition for excellence, performance, and innovation The 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 presti
Slide 7: Nearly half a century of excellence: tracing our journey from 1976
Nearly half a century of excellence: tracing our journey from 1976 into the future Joint stock company SAIB successfully Share Purchase Treasury shares Launched a new 5 -year Major share capital S60 Ventures Fund - established by Royal completed its IPO on Agreement with J.P. previously held by J.P.
Slide 8: Robust financial performance with double digit net profit growth
Robust financial performance with double digit net profit growth and improved profitability Total Operating Income (¥ mn ) Operating Expenses (¥ mn ) Net Income (¥ mn ) +15% CAGR +8% CAGR +23% CAGR 4,794 1,657 1,735 1,723 2,431 3,967 4,178 1,445 1,957 3,278 1,270 1,762 2,753 1,508 1,062 2021 2
Slide 9: Resilient asset quality, adequate capital and liquidity position
Resilient asset quality, adequate capital and liquidity position to accelerate growth and returns Loans & Advances (¥ bn) Deposits (¥ bn) ROE (%) +18% CAGR +16% CAGR +722bps 112.1 109.6 14.8% 99.5 94.0 12.4% 12.7% 80.8 83.2 10.6% 68.9 61.5 69.6 57.8 7.5% 2021 2022 2023 2024 2025 2021 2022 2023
Slide 10: Operating Environment
Operating Environment The Saudi Investment Bank – 1Q 2026 Investor Presentation
Slide 11: The Saudi economy remains resilient amid geopolitical disruption
The Saudi economy remains resilient amid geopolitical disruption, with real GDP growth projected at 3.1% in 2026 and improving to 4.5% in 2027 Real GDP Growth (%) Oil Prices (USD) Brent Oil Price / Barrel (avg) 3.1% 80 .2 80.2 79.9 4.5% 4.5% 3.6% 71.5 3.1% 2.6% 69.7 68.3 2024 2025 2026 2027 2028 202
Slide 12: The Saudi Banking sector is healthy, profitable, and showing solid growth momentum
The Saudi Banking sector is healthy, profitable, and showing solid growth momentum, though liquidity remains tight Bank Credit (¥ bn) Bank Deposits (¥ bn) Profitability (%) ROE ROA 15.0% ROE 14.7% 15.0% +12% CAGR +9% CAGR 15.0% 13.7% 3,296 3,355 12.9% 2,956 2,926 3,051 2,584 2,473 2,692 2,349 2,
Slide 13: Strategy
Strategy The Saudi Investment Bank – 1Q 2026 Investor Presentation
Slide 14: Our 5-year strategy, Strategy 2027, set a bold vision
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 15: Strategy 2027 drove a bank-wide transformation through 43 initiatives
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 16: Delivering digital excellence: industry-leading apps, portals, and user experience
Delivering digital excellence: industry -leading apps, portals, and user experience Launched new mobile banking App with significantly improved performance and enhanced user experience. 4.8 4.8 The award -winning App is rated 4.8 across Apple and Android app stores – highest among KSA banks. Exclusi
Slide 17: Delivering digital excellence: industry-leading apps, portals, and user experience
Delivering digital excellence: industry -leading apps, portals, and user experience Launched the revamped Corporate Account Opening Journey as part of our digital transformation, which: • Simplifies and accelerates onboarding for corporate clients • Reduces manual intervention through digital verifi
Slide 18: Innovating for customers: new products redefining value and experience
Innovating for customers: new products redefining value and experience Introduced KSA’s first Travel Account in partnership with Saudia Airlines offering AlFursan travel miles on monthly average account Launched a new Shariah -compliant Zakat -exempted Saving Account balance. with best -in -class pr
Slide 19: S60 Ventures Fund
S60 Ventures Fund managed by Alisthithmar Capital - a $100 Million fund investing in exceptional startups A WELL CAPITALIZED, FINTECH ‒FOCUSED VC FUND WITH STRONG TIES ACROSS THE ECOSYSTEM Mission Vision Values To empower visionary To be the trusted first call for Rooted in principled capital , foun
Slide 20: 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 21: 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 22: Financial Performance
Financial Performance 1Q 2026 The Saudi Investment Bank – 1Q 2026 Investor Presentation
Slide 23: 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 24: Balance sheet momentum from growth in financing and SAMA placements
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 25: 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 26: Investments declined modestly by 1% YTD
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 27: Robust funding structure, leveraging customer deposits and market presence
Robust funding structure, leveraging customer deposits and market presence SAIB’s funding is largely comprised of customers’ S&P Funding Structure Overview (¥ bn) Other Tier 1 sukuk deposits which represented 78% of total liabilities and BBB+ Shareholders' equity Term loans 68% of total liabilities
Slide 28: 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 , mostly +21% Deposits YoY from public institutions , up 17% YTD, while Treasury & Investm
Slide 29: 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 30: NSCI grew 2% YoY as strong earning 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 31: 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 32: 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 33: 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 34: 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 35: Guidance
Guidance The Saudi Investment Bank – 1Q 2026 Investor Presentation
Slide 36: 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 37: Segmental performance
Segmental performance The Saudi Investment Bank – 1Q 2026 Investor Presentation
Slide 38: Moderate income and profit growth, driven by Treasury and Investments
Moderate income and profit growth, primarily driven by strong performance in Treasury and Investments, partially offset by declines in Retail and Corporate Total Operating Income Movement YoY (¥ mn ) Net Income Before Zakat Movement YoY (¥ mn ) +1% +3% 1,050 156 7 1,057 585 151 5 604 (83) (12) (
Slide 39: Balanced contributions to Operating and Net Income from Retail, Corporate, and Treasury
Balanced contributions to Operating and Net Income from Retail, Corporate, and Treasury & Investment, with dominance of corporate loans and retail deposits Total Operating Income (¥ mn ) Retail Corporate Net Income Before Zakat (¥ mn ) Retail Corporate Treasury & Investment Asset Mgmt. & Brokerage T
Slide 40: Corporate net income declined by 17% YoY
Corporate net income declined by 17% YoY due to lower NSCI and higher operating expenses, partially offset by lower impairments SAR Million 1Q 2026 4Q 2025 Δ 1Q 2025 Δ Net Income Before Zakat Movement YoY (¥ mn ) Net Special Commission Income 307 339 -9% 374 -18% Fee & other income 59 627 -91% 54 +1
Slide 41: Retail net income for 1Q 2026 decreased 55% YoY
Retail net income for 1Q 2026 decreased 55 % YoY from lower operating income and higher impairments, partly offset by lower operating expenses SAR Million 1Q 2026 4Q 2025 Δ 1Q 2025 Δ Net Income Before Zakat Movement YoY (SARmn) Net Special Commission Income 270 232 +17% 338 -20% Fee & other income 1
Slide 42: Treasury and Investments net income for 1Q 2026 grew by 76% YoY
Treasury and Investments net income for 1Q 2026 grew by 76% YoY mainly due to higher NSCI and lower expenses SAR Million 1Q 2026 4Q 2025 Δ 1Q 2025 Δ Net Income Before Zakat Movement YoY (¥ mn ) Net Special Commission Income 336 310 +9% 174 +94% Fee & other income 74 129 -43% 80 -8% +76% Total oper
Slide 43: Asset management and brokerage net income grew by 16% YoY
Asset management and brokerage net income for 1Q 2026 grew by 16% YoY due to higher operating income SAR Million 1Q 2026 4Q 2025 Δ 1Q 2025 Δ Net Income Before Zakat Movement YoY (¥ mn ) Net Special Commission Income 20 21 -5% 18 +15% Fee & other income 47 38 +24% 43 +9% +16% 3 4 36 Total operating
Slide 44: Appendix
Appendix The Saudi Investment Bank – 1Q 2026 Investor Presentation
Slide 45: Sustainability aligned with the Saudi Vision 2030
Sustainability has for 10 years been embedded in SAIB's core business and governance, and is now freshly aligned with the Saudi Vision 2030 sustainable and social development goals Employee capital Social capital Customer capital Takleef (Responsibility) Awn (Helping Others) Responsible banking prac
Slide 46: Core components of SAIB's sustainable finance framework
Core components of SAIB’s sustainable finance framework Use of proceeds categories under SAIB’s sustainable finance framework Use of Proceeds Project Selection & Management of Reporting Evaluation Proceeds 1 Renewable Energy • Allocation of an amount • A Sustainable Finance • Proceeds will be • Annu
Slide 47: Strengthening our value proposition through a partnership with Real Madrid
Strengthening our value proposition through a prestigious partnership with Real Madrid Through this partnership, SAIB aims to introduce a unique customer experiences focusing on customer centricity and personalized experiences: • General Customer Experiences. SAIB offers its customers exceptional fo
Slide 48: 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 49: 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 Investor Presentation P. 49
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