Riyad Bank · TADAWUL:1010
Riyad Bank — Q3 2026 Earnings Presentation
48 slides from Riyad Bank's earnings presentation, Nov 5, 2026
Slide 1: Investor Presentation 3Q 2026
Investor Presentation 3Q 2026
Slide 2: Disclaimer
Appendix Disclaimer This presentationhas been preparedby Riyad Bank solely for informational purposes. The presentation may contain forward looking statements, which reflect Riyad Bank's beliefs or current expectations and assumptions regarding the future of the business, future plans and strategies
Slide 3: Content
Content Riyad Bank Profile Strategy Sustainability Operating Environment Financial Performance Appendix
Slide 4: Riyad Bank Profile
Riyad Bank Profi i igo Lo EEDA a
Slide 5: Summary Profile
Profile Summary Profile Riyad Bank is the third largest bank in Saudi Arabia Our Vision Our Employees Our Presence To be the most innovative . & trusted financial solutions SE mC UIDIO Ceo 7,130 London partner ry ay ty BB, FemaleEmployees* 30% oe 9M 2026 Key Metrics Singapore Sa Assets Operating Inc
Slide 6: Market Shares
Profile Market Shares Riyad Bank is consistently in the top 3 KSA banks across arange of metrics 2025 Total Assets (4¢bn) & Market Share (%) 2025 Oper. Income (4¢bn) & Market Share (%) 2025 Net Income (4bn) & Market Share (%) 1,210 04s Aa a 25 25 519 18 10 y 455 , o 261% M9 59 Ark a Aue AG 15 2 n 27
Slide 7: Market Parameters
Market Parameters Profile Riyad Bank is a liquid stock with strong domestic ownership Market Capitalization v 52-week Trading Range (4) 30Sep 2026 30Sep 2026 -1.0% YTD 2. 80.600 19.14 - 22.35 Valuation Metrics 8.2x 1.27x 5.2% Riyad Bank Share Price Performance (Indexed to 31 Dec 2020) 12-20 08-21 02
Slide 8: Strategy Update
Strategy Update
Slide 9: 2025 Strategy Closure
Strategy 2025 Strategy Closure Aspiration Achievements for 2025 Strategy Strategi 8 5 . ) Ree” MostProfitable = Most Efficient shee BankofChoice [FY A Definition Sustainable profit growth Highestreturnonspendand Best bank for customer, and returns to shareholders operational excellence employees and
Slide 10: Key Financial Achievements for 2025 Strategy
2025 Strategy Closure Key Financial Achievements for 2025 Strategy 2020 Total Assets 3 1 (6) Le & Ateenceenen = 1 9 1 Net Income o 4. 7 2025 Total Assets 5 19 L & Pavancesinet = 3 7 3 Net Income a 10.4 Strategy CAGR Growth Total Assets + 1 1 % Loans& sy + 1 4 OK Advances, net 0 Net Income 2 + 1 7 %
Slide 11: 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 12: Strategy 2030 vision and strategic pillars
Strategy 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 “S ¢ Ci Q OG Ff STRATEGIC Ww = a - PILLARS Strong shareholder Delighting customers & a = Building
Slide 13: Sustainability Update
Sustainability Update
Slide 14: Climate: D Water: C Public
• • • • • • • • • • • • • • • Climate: D • Water: C Public
Slide 15: Operating Environment
Operating Enviroment
Slide 16: Global Economy
Environment Global Economy Modest growth holds as the disinflation trend stalls Global growth remains resilient supported by the rerouting of energy supplies; increased energy production in other countries; inventory drawdowns; substitution to other sources of energy, including renewables; and highe
Slide 17: KSA Economic Growth
Environment KSA Economic Growth Growth outlook strengthens despite near-term moderation Saudi Arabia's growth outlook remains favorable despite this year expected contraction in the real GDP. International institutions anticipating a strong rebound in 2027. Meanwhile, non-oil activity continues to d
Slide 18: KSA Inflation and PMI
Environment KSA Inflation and PMI Business confidence strengthens amid stable inflation environment A favorable macroeconomic environment continues to support economic activity, with inflation remaining well contained despite persistent services price pressures. Business conditions strengthened in t
Slide 19: KSA Banking Sector
Environment KSA Banking Sector The Saudi banking sector is attractively positioned for growth Bank Credit (4bn) Bank Deposits (4ebn) +9% CAGR asea 2,956 3,296 3298 AaB 2,692 2,926 2,349 . 2,104 " . 1,943 S 1,783 2,059 Yor U +16% 114% +10% 114% +12% YoY 48% 19% 48% 19% +9% 2020 2021 2022 2023 2024 20
Slide 20: 3Q 2026 Financial Performance
3Q 2026 Financial Performance Public
Slide 21: Balance Sheet Summary
Balance Sheet Summary Financials Strategic balance sheet expansion primarily driven by a strong growth in the investment portfolio coupled with moderate loan growth + Total assets amounted to # 545 bnas of 30%” September 2026, up 5% YTD on the back of 3% growth in loans and advances, 13% growth in i
Slide 22: Loan Book Overview
Loan Book Overview Financials Commercial book continues to drive loan portfolio growth, while consumer loans witnessed a slight decline during the period Loans & Advances, Net Movement Commercial Loans, Net by Economic Sector Movement YTD (sbn) Retail Loans, Net by Product Movement YTD. YTD (bn) (bn
Slide 23: Credit Quality
Credit Quality Financials Solid and resilient financial position with non-performing loan ratio stable year- on-year at 87bps as of 3Q2026 NPLs by Segment (bn) NPLs (4¢bn) 3.4 3.4 30 3.4 3.3 30 3.2 1a 1a ap 22 pac 18% +5% +1% Gn oa -9% 8 5% 1% 4Q-25 2Q-26 3Q-26 3Q-25 4Q-25 1Q-26 2Q-26 3Q-26 = Commer
Slide 24: Credit Quality: NPL coverage
Financials Credit Quality NPL coverage ratio remains healthy at 150.7% with stage 3 coverage ratio standing at 49.6% + Healthy NPL coverage ratio standing at Total Allowances (4kbn) NPL Coverage Ratio (%) Retail NPL Coverage — 150.7% as of 30% September 2026. 3Q-26 en +11% os 432% YTD + Theretail NP
Slide 25: Investments
Financials Investments Investments grew by 13% YTD, driven by robust growth in high quality fixed rate assets « Investment portfolio increased by 13% YTD reaching to Investments, Net (4¢bn) Net Investments Composition, 3Q-26 (4tbn) 4 89.8bn as of 30'" September 2026. * The year-to-date growth in inv
Slide 26: Deposits
Deposits Financials Customers’ deposits witnessed a slight decline of 1% year-to-date from non- bearing deposits + Customer deposits amounted to 4 329.4 bnas of 30"" September 2026, a slight reduction of 1% YTD. + Interest bearing deposits increased rapidly by 10% YTD as of 30 September 2026, reachi
Slide 27: Public
◆ ◆ ◆ 120.0% 160.0% 120 140.0% 500 110 100.0% 100 120.0% 400 90 80.0% 100.0% 80 70 300 60.0% 80.0% 60 50 60.0% 200 40.0% 40 40.0% 30 100 20.0% 20 20.0% 10 0 0.0% 0 0.0% Public
Slide 28: Capitalization
Capitalization Financials Capitalization remains healthy and well above regulatory minima Total Regulatory Capital Movement YTD (4bn) +18' 8.1 86.7 (0.5) (42) —_ 4Q-25 Netincome Tier 1sukukcost Dividends paid Capital Ratios (%) 20.9% 19.4% 19.4% 17.8% 18.4% 18.2% 16.7% 16.7% 15.8% 16.0% = o 5 5 13.3
Slide 29: Income Statement Summary
Financials Income Statement Summary Net income reached 4 8,128 million in 9M 2026, a growth of 5% supported by higher total operating income, resulting in ROAE standing at 16.6% YoY % YoY % 4 (mn) Em 30-2025 Eexag 9M-2025 2 @ Change Change _Net Income Movement YoY (smn) NscI 3,483 3,184 49% 4 9667 6
Slide 30: Net Special Commission Income
Financials Net Special Commission Income NSCI witnessed a moderate growth, propelled by increased volume which was partially offset by a reduction in interbank and higher cost of funds + Net special commission income amounted to 4 10,243 NSCI Movement Yoy (smn) milion in9M 2026, a moderate growth of
Slide 31: Net Special Commission Margin
Financials Net Special Commission Margin NSCI margin was lower from commission yield tracking benchmark rates movements while cost of funds impacted by change in liability mix « Net special commission margin was lower by NSCI Margin Movement YoY (%) 8bps reaching to 2.81% for 9M 2026. + Quarterly ne
Slide 32: Interest Rate Sensitivity
Financials Interest Rate Sensitivity Neutral sensitivity to the interest rate changes * The Group assess sensitivity to a possible change in special commission rates, with other variables held constant and assuming a constant balance sheet mix. Impact of -25bp rate change Impact of -25bp rate change
Slide 33: Fee & other income
Fee & other income Financials Expanding products offering with continuous focus on cross-sell activities offset the lower fees from banking services ae (mn) Fee income from banking services Fee expenses from banking services Banking services Exchange income, net Investment-related income Other opera
Slide 34: Operating Expenses
Financials Operating Expenses Cost discipline and improved efficiencies resulted in maintaining healthy positive jaws despite ongoing investments in people, infrastructure and digital capabilities + Operating expenses before impairments increased by 1% YoY to reach 4 4,130 million during Expenses be
Slide 35: Impairment charges
Financials Impairment charges Proactive risk management and sound asset quality continues to support cost of credit risk normalization + Impairment charges increased by 9% YoY reaching to + Impairments (Jemn) Cost of Credit Risk (%) 1,095mn in 9M 2026. « Commercial impairment charges increased by63%
Slide 36: Segment Performance
Segment Performance
Slide 37: Segment Dashboard
Segment Dashboard Financials Corporate segment accounts for 60% of total operating income translating into 74% share in net income before Zakat g Corporate Retail Treasury and Investments iit Investment Banking and Brokerage Operating Income 9M-26 hill +7% YoY * 8,654 Million Operating Income 9M-26
Slide 38: Corporate Segment
Financials Corporate Segment Strong growth in operating income coupled with lower operating expenses bolstered corporate profitability YoY % Change YoY % (mn) Change _Net Income Before Zakat Movement YoY (4mn) 3Q-2026 EXebauey Ersd 9M-2025 * Net income before zakat for the Corporate segment rapidly
Slide 39: Retail Segment
Retail Segment Financials Retail net income spiked by 71% YoY during 9M 2026, primarily driven by NSCI growth and lower impairment charges * Net income before zakat for the Retall segment spiked by 71% YoY to reach # 526mn in 9M 2026, mainly due to higher operating income and lower impairment charge
Slide 40: Treasury and Investments Segment
Treasury and Investments Segment Financials Treasury and Investments net income before zakat declined by 10% YoY impacted by the decline in NSCI and higher provisions . 4 (mn) + Net income before zakat for Treasury and Investments segment declined by 10% YoY in9M 2026 to reach 4 1,467mn, Rea! primar
Slide 41: Investment Banking and Brokerage Segment
Investment Banking and Brokerage Segment Financials Investment banking and brokerage witnessed a decline in profitability, resulted from higher operating expenses, coupled with higher impairment charges * Netincome before zakat for Investment banking and brokerage declined by 12% YoY to reach # 438m
Slide 42: Outlook & Guidance
Outlook & Guidan i igo Lo
Slide 43: Guidance
Guidance Financials Guidance remains on track, with continued progress toward 2030 aspiration 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 9M 2026 FY 2026 Guidance Drivers 3 385bn w
Slide 44: Historical Performance
Historical Performar Public
Slide 45: Balance sheet 5-year Summary
Balance sheet 5-year Summary Total Assets (4kbn) Loans & Advances, Net (bn) Deposits (4kbn) +12% CAGR ‘AGR 519.5 373.3 331.7 ge73 1524 o7a.g 3202 rag Ot 325.7 359.7 [| | 217.3 242.4 [ | aay OO l iL i nen ie i i 117% Ll 6% i ase 2021 2022 ©2023» 2024-2025 2021 2022 ©2023» 2024-2025 2021 2022 ©2023» 2
Slide 46: Income Statement 5-year Summary
Income Statement 5-year Summary Total Operating Income (4mn) +12% CAG 18,381 tzsog 15899 aS 11,568 “ I | | I 118% l 17% 19% +6% 2021 2022 2023 2024 2025 Net Income (4mn) _ 9,322 10,411 6,025 7,019 [| | J +16% L 415% 416% 412% 2021 2022 2023 2024 2025 NSCI Margin (%) 34.3% _ 3.61% 3.40% 32.4% 2.97% 3
Slide 47: Appendix
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Slide 48: Riyad Bank Contact
Riyad Bank Contact Contact the investor relations for more information Investor Relations Contact @®) 96611 401 3030 Ext. 3502 EX] sinvestor.relations@riyadbank.com © _ RiyadBank Tower King Abdullah Financial District (KAFD) Financial Boulevard - Al Aeeq District - Building No. 3128 Postal Code 1351