Riyad Bank · TADAWUL:1010
Riyad Bank — Q1 2025 Earnings Presentation
20 slides from Riyad Bank's earnings presentation, May 1, 2025
Slide 1: Earnings Presentation 1Q 2025
w, ot f ‘a ( i t f Earnings Presentation 1Q 2025 f / Ms: ~~ ~~ SSO ~~~ ss ~~~ =~ ee Riyad Bank - Earnings Presentation - 01/05/25
Slide 2: 1Q 2025 Performance Highlights
1Q 2025 Performance Highlights SAR 465Bn SAR 339Bn SAR 304Bn SAR 393Bn p p q p SAR 4.5Bn 30.6% SAR 2.5Bn 16.6% p p p p 1.14% 133.0% 17.5% 85.7% General Business
Slide 3: Strategy Update
|_| Strategy Update Riyad Bank - Earnings Presentation - 01/05/25 ‘General Business
Slide 4: Our ambition is to be the best Bank in KSA
Our ambition is to be the best Bank in KSA Most Profitable Most Efficient Bank of Choice Most Innovative & Digitally Enabled General Business
Slide 5: Strong progress across strategic pillars driving sustained business growth
Strong progress across strategic pillars driving sustained business growth and paving the way for future success Bank of Choice General Business
Slide 6: 1Q 2025 Financial Performance
| | 1Q 2025 Financial Performance Riyad Bank - Earnings Presentation - 01/05/25
Slide 7: Strong growth in profitability supported by operating income growth
Strong growth in profitability supported by operating income growth, improved efficiencies and cost of risk p p +3% +6% +20% p +2% +8% p +2% 146.2% 85.7% 16.4% 17.5% General Business
Slide 8: Solid balance sheet expansion primarily fueled by robust growth in loans and investments
Solid balance sheet expansion primarily fueled by a robust growth in loans and investments 190 p 11.8 21.1% General Business
Slide 9: Diversified funding supporting the overall liquidity position
With diversified funding from interbank, customer deposits and debt securities supporting the overall liquidity position p p 108.8% 146.2% 85.7% 111.5% General Business
Slide 10: NSCI demonstrates a robust growth, propelled by increased volume
NSCI demonstrates a robust growth, propelled by increased volume and effective cost of funds management General Business
Slide 11: The momentum in fee & other income continues with strong growth
The momentum in fee & other income continues with a strong growth across all lines driven by strategic focus on cross-sell activities 811 General Business
Slide 12: Positive jaws improves cost efficiency despite ongoing investments
Positive jaws improves cost efficiency despite ongoing investments in people, infrastructure, digital capabilities, and strategic initiatives 53% General Business
Slide 13: Higher recoveries and proactive risk management resulted in lower cost of risk
Higher recoveries coupled with proactive risk management and sound asset quality resulted in lower cost of risk q 133.0% 0.28% 11.5% 55.1% q q p General Business
Slide 14: Together these factors drove the outstanding growth in profitability
Together these factors drove the outstanding growth in profitability p 4,504 p 3,125 General Business
Slide 15: Supporting healthy capitalization well above regulatory minima
Supporting healthy capitalization well above regulatory minima General Business
Slide 16: Strategic execution fuels an optimistic outlook for 2025
The momentum in strategic execution fuels an optimistic outlook for 2025 with all KPIs within or ahead of expectations General Business
Slide 17: Q&A
Q&A Riyad Bank - Earnings Presentation - 01/05/25 17
Slide 18: Appendix
| Appendix Riyad Bank - Earnings Presentation - 01/05/25 ‘General Business
Slide 19: Contact the investor relations for more information
Contact the investor relations for more information General Business
Slide 20: Disclaimer
Disclaimer General Business