Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — Q2 2026 Earnings Presentation
41 slides from Saudi Investment Bank's earnings presentation, Aug 24, 2026
Slide 1: Investor Presentation 2Q 2026
Investor Presentation 2Q 2026 August 2026
Slide 2: Contents
Contents SAIB Overview 3 KSA Operating Environment 10 Strategy 13 Financial Performance 21 Guidance 34 Appendix 36 The Saudi Investment Bank – 2Q 2026 Investor Presentation
Slide 3: SAIB Overview
SAIB Overview The Saudi Investment Bank – 2Q 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 -2% decrease YTD +1% increase YTD ¥ 16.7 bn +2.4% 25.6% 49 966k Market Cap. Share Price (in last 1 year) owned by General Organization for Social
Slide 5: SAIB maintained solid balance sheet growth, operational efficiency and asset quality
SAIB maintained solid balance sheet growth, operational efficiency and asset quality, supporting resilient 1H 2026 results despite margin pressure Loans (¥ bn) Net Income (¥ mn) 117.3 1,416 Net Income grew by 3% YoY to 108.4 112.1 Solid balance sheet 1,016 1,051 ¥1,051mn expansion, driven by 5% +5%
Slide 6: 1H 2026 in Review: strong market recognition for excellence, performance, and innovation
1H 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 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 and improved profitability
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 2022
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 – 2Q 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 1.7% in 2026 and improving to 5.5% in 2027 Real GDP Growth (%) Oil Prices (USD) Brent Oil Price / Barrel (avg) 1.7% 5.5% 80.2 80.2 79.9 4.5% 3.6% 71.5 2.6% 1.7% 69.7 68.3 2024 2025 2026 2027 2028 2024
Slide 12: The Saudi banking sector is showing resilience and solid growth momentum
The Saudi banking sector is showing resilience and solid growth momentum, supported by a strong economy despite the geopolitical backdrop Bank Credit (¥ bn) Bank Deposits (¥ bn) Profitability (%) ROE ROA 14.0% ROE 14.7% 15.0% 15.0% +12% CAGR +9% CAGR 13.7% 3,296 3,419 3,132 14.0% 2,956 2,692 2,9
Slide 13: Strategy
Strategy The Saudi Investment Bank – 2Q 2026 Investor Presentation
Slide 14: A bold five-year vision and clear priorities under Strategy 2027
A bold five-year vision and clear priorities were established under Strategy 2027 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 build long-term relationship
Slide 15: Strategy 2027 has driven a bank-wide transformation through 43 completed initiatives
Strategy 2027 has driven a bank-wide transformation through 43 completed initiatives, with 9 new initiatives now underway Core business segments Focus areas and priorities Corporate Banking Public Institutions Consumer, Private Strategic segmentation & Accelerate profitable growth Increase penetrati
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. Exclusive
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 verific
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 profit
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 To empower visionary founders by To be the trusted first call for Rooted in principled capital, S60 providing ca
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 Set up a venture capital arm, S60 Established best-in-class Launching best-in-class Corporate Ventures, to back promising capabilities in Data Science and Inte
Slide 21: Financial Performance 1H 2026
Financial Performance 1H 2026 The Saudi Investment Bank – 2Q 2026 Investor Presentation
Slide 22: SAIB's resilient fundamentals supported continued strength across key performance metrics
SAIB’s resilient fundamentals supported continued strength across key performance metrics 1H 2026 DRIVERS LOANS & ADVANCES ¥ 117.3bn +5% YTD Strong growth in Corporate (+5%) and Private Banking (+3%) loans Balance Sheet DEPOSITS ¥ 121.6bn +11% YTD IBD growth (+18%) mainly driven by retail customers.
Slide 23: Balance sheet momentum from growth in financing, SAMA and interbank placements
Balance sheet momentum from growth in financing, SAMA and interbank placements, funded mainly by deposits Total assets up 6% YTD, driven by higher loans (+5%), cash and balances with SAMA (+40%), and bank placements (+139%), while investments remained stable over the Loans & Advances (¥ bn) Retail C
Slide 24: Sustained loan growth momentum, driven by corporate and private banking lending
Sustained loan growth momentum, driven by corporate and private banking lending 5% YTD growth in loans driven by 5% increase in Loans & Advances by Segment (%) corporate lending due to widespread growth across sectors and further expansion of retail and private banking lending +5% Total Loans YTD
Slide 25: Investments remained stable over 1H 2026 at SAR 47.3 billion
Investments remained stable over 1H 2026 at ¥ 47.3 billion Investments remained stable in 1H 2026 Investments, Gross by Type (%) Investments by Accounting Classification (%) 86% of investments were fixed rate debt securities 65% of investments were accounted for amortized cost and 34% at fair value
Slide 26: 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 (SARbn) Other Tier 1 sukuk deposits which represented 78% of total liabilities and BBB+ Shareholders' equity Term loans 68% of total liabilities
Slide 27: Customer deposits increased 11% YTD driven by IBDs
Customer deposits increased 11% YTD driven by IBDs Deposits grew 11% during 1H 2026 due to increased interest-bearing deposits (IBDs) Deposits by Segment (%) Growth was primarily driven by retail deposits, including public institutions, up 15% YTD, while Treasury & +11% Deposits YTD Investments in
Slide 28: 3% growth in 1H 2026 earnings driven by higher fee & other income
3% growth in 1H 2026 earnings driven by higher fee & other income, positive jaws and stable credit costs Net income increased 3% YoY in 1H 2026 driven primarily by higher fee and other income and lower operating expenses, partly offset by a lower share of earnings from Net Income Movement YoY (¥ mn)
Slide 29: NSCI remained stable YoY as earning asset growth was offset by NIM contraction
NSCI remained stable YoY as strong average earnings asset growth of 10% was offset by 22bps NIM contraction NSCI remained stable YoY as 10% growth in average NSCI Movement YoY (¥ mn) NIM Movement YoY FY 2026 Guidance earning assets was offset by NIM contraction NIM: 2.10% - 2.25% The NIM declined by
Slide 30: Fee and other income rose by 11%
Fee and other income rose by 11% driven by higher investment gains, foreign exchange income and banking services Fee & other income increased 11% YoY in 1H 2026, Fee & Other Income Movement YoY (¥ mn) mainly driven by higher investment gains, FX income and banking services Foreign exchange income in
Slide 31: Marginal decrease in 1H 2026 operating expenses and improving cost to income ratio
Marginal decrease in 1H 2026 operating expenses and improving cost to income ratio Operating expenses decreased 2% YoY in 1H 2026 Operating Expenses Composition Operating Expenses (¥ mn) driven by lower general & administrative expenses and depreciation & amortization, partially offset by higher (%)
Slide 32: Credit quality remained strong and stable with COR and NPL ratio at low levels
Credit quality remained strong and stable with COR and NPL ratio at consistently low levels Total impairments of ¥128 mn for 1H 2026, Impairments (¥ mn) Cost of Risk increasing 2% YoY from ¥126 mn in 1H 2025 FY 2026 Guidance Cost of risk decreased 2 bps YoY to 0.22% in 1H COR: 0.25% - 0.35% 2026 NPL
Slide 33: Solid liquidity, funding and capital position with adequate buffers
Solid liquidity, funding and capital position with adequate buffers LCR increased by 11.2 ppt during 1H 2026 to 196.5%, Liquidity Ratios LCR NSFR Loans to Deposits Ratio SAMA LTD Headline LTD while NSFR decreased 0.5 ppt to 111.5% At the end 2Q 2026, the SAMA regulatory LTD ratio was within required
Slide 34: Guidance
Guidance The Saudi Investment Bank – 2Q 2026 Investor Presentation
Slide 35: 1H 2026 financial results largely in line with expectations; FY guidance unchanged
1H 2026 financial results were largely in line with expectations and FY guidance is unchanged 2025 Actual 1H 2026 Actual 2026 Guidance Guidance Revisions Balance Sheet LOANS & ADVANCES +13% +5% Mid to High > 15.0% Guidance Unchanged single digit YoY YoY YTD NET INTEREST MARGIN 2.26% 2.18% Approx. 2.
Slide 36: Appendix
Appendix The Saudi Investment Bank – 2Q 2026 Investor Presentation
Slide 37: Sustainability embedded in SAIB's core business and aligned with 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 Responsible Social Impact & Sustainable Finance Deliver on sustainability commitments, align with national priorities,
Slide 38: Core components of SAIB's sustainable finance framework
Core components of SAIB’s sustainable finance framework Environmental Social Categories of proceeds 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 • Procee
Slide 39: 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 40: 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. Where applicable, the financial data presented in
Slide 41: 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 – 2Q 2026 Investor Presentation P. 41
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