Riyad Bank · TADAWUL:1010
Riyad Bank — 2Q 2025 Earnings Presentation
20 slides from Riyad Bank's earnings presentation, Aug 4, 2025
Slide 1: Earnings Presentation 2Q 2025
Earnings Presentation 2Q 2025 f / / f / f , f ~~ sme AAA ~~~ eS Lal ~~ = AS ~~ ~~~ Riyad Bank - Earnings Presentation - 04/08/25
Slide 2: 1H 2025 Performance Highlights
Highlights Highlights / Strategy / Financials / Appendix 1H 2025 Performance Highlights yf Solid balance sheet growth 4 491Bn 4 355Bn 4 317Bn 4 418Bn +9% YTD +11% YTD +3% YTD +9% YTD A A A A Total Assets Loans, Net Customer Deposits Total Liabilities 4 9Bn 30.0% #£5.1Bn 17.0% +12% YOY -1.8ppts YOY +
Slide 3: Strategy Update
| Strategy Update Riyad Bank - Earnings Presentation - 04/08/25 ‘General Business
Slide 4: Strategic Ambition
Strategic Ambition Highlights /Strategy / Financials / Appendix Our ambition is to be the best Bank in KSA I Strategic Pillars Most Profitable Most Efficient Bank of Choice Most Innovative & Digitally Enabled Definition Sustainable profit growth and Highest return onspendand Best bank forcustomer, M
Slide 5: Bank of Choice
Bank of Choice General Business
Slide 6: 2Q 2025 Financial Performance
i 2Q 2025 Financial Performance Riyad Bank - Earnings Presentation - 04/08/25 ‘General Business
Slide 7: Financial Performance Summary
Financial Performance Summary Strong growth in profitability boosted by operating income growth, improved efficiencies and normalized cost of credit risk Highlights / Strategy / Financials / Appendix Balance sheet Total assets Loans & advances, net Tl I Solid growth in profitability Net income rT I
Slide 8: Assets and Financing
Assets and Financing Solid balance sheet expansion primarily fueled by a robust growth in loans, investments and interbank placements Highlights / Strategy / Financials / Appendix Total Assets Movement YTD (bn) +9% 34.5 1.6 490.8 450.4 44 3.0 _ i J ea) a -13% +20% +4% +11% +10% a 4Q-24 Cash & balanc
Slide 9: Liabilities, Funding and Liquidity
Liabilities, Funding and Liquidity Highlights / Strategy / Financials / Appendix J While continuing to diversity the funding sources through customer deposits and wholesale funding to support the overall liquidity position Total Liabilities Movement YTD (44bn) NIBs % of Total Deposits (%) +9% 10.4 1
Slide 10: Net Special Commission Income and Margin
Net Special Commission Income and Margin Highlights / Strategy / Financials / Appendix NSCI demonstrates a steady growth, propelled by increased volume and I effective cost of funds management NSCI(émn) NSCI Movement YoY (4mn) +5% +5% 6,147 6,482 181 219 6,147 hoa —_ — 6,482 = (1,109) 111% +29% 118%
Slide 11: Fee & Other Income
Fee & Other Income Highlights / Strategy / Financials / Appendix J The momentum in fee & other income continues with a strong growth across all lines driven by strategic focus on cross-sell activities Fee & Other Income Movement YoY (44mn) Quarterly Fee & Other Income (4emn) +31% +47% 319 28 2,542 1
Slide 12: Operating Expenses and Efficiency
Operating Expenses and Efficiency Positive jaws improved cost efficiency despite ongoing investments in Highlights / Strategy / Financials / Appendix people, infrastructure, digital capabilities, and strategic initiatives Expenses before Impairment Movement YoY (4mn) Expenses before Impairments Comp
Slide 13: Impairment Charge and Cost of Risk
Impairment Charge and Cost of Risk Highlights / Strategy / Financials / Appendix J Strong recoveries coupled with proactive risk management and sound asset quality resulted in lower cost of credit risk NPL Movement by Sector YTD (smn) NPL Ratio (%) NPL Coverage Ratio v 20-25 +29% -31.6% YTD Lo} 881
Slide 14: Net Income and Returns
Net Income and Returns Highlights / Strategy / Financials / Appendix J Together these factors drove the outstanding growth in profitability Net Income Movement YoY (4émn) Total Operating Income 1H-25 +15% 412% YoY 335 604 5,083 a 9,024 4,410 —_ Miilion — (134) (60) (72) Net Operating Income Before A
Slide 15: Capitalization
Capitalization Highlights / Strategy / Financials / Appendix While capitalization remains healthy and well ahead of regulatory minima Total Regulatory Capital Movement YTD (4kbn) Risk Weighted Assets (bn) -2% +22% 5.1 . 78.2 76.9 403.0 413.0 aoe 4558 = 372.2 128 15.4 r tee Sire 0.3 — 101 = 1: ie 15-
Slide 16: Guidance
Guidance Highlights / Strategy / Financials / Appendix The momentum in strategic execution fuels an optimistic outlook for 2025 I with all KPls within or ahead of expectations 1H 2025 Actual FY 2025 Revised Guidance Drivers Strong credit demand expected to 4355bn Mid Teens continue from corporate an
Slide 17: Q&A
Q&A Riyad Bank - Earnings Presentation - 04/08/25 17
Slide 18: Appendix
| Appendix Riyad Bank - Earnings Presentation - 04/08/25 ‘General Business
Slide 19: Contact the investor relations for more information
Appendix Contact the investor relations for more information I Investor Relations Contact Riyad Bank Head Office Visit our website for more information and to access our disclosures Telephone: +966 11 401 3030 Ext. 3502 E-mail: Investor.relations@riyadbank.com Address: Riyadh - Al Shuhada District E
Slide 20: Disclaimer
Highlights / Strategy / Financials / Appendix Disclaimer F This presentationhas been prepared by 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 t