Saudi Awwal Bank · TADAWUL:1060
Saudi Awwal Bank — FY2025 Earnings Presentation
24 slides from Saudi Awwal Bank's earnings presentation, 2025
Slide 1: Saudi Awwal Bank FY25 Earnings call presentation
Saudi Awwal Bank FY25 Earnings call presentation
Slide 2: CEO's key messages
CEO's key 4025 MESSAGES Xd Ss
Slide 3: Medium term outlook: 2025 review
Medium term outlook: 2025 review Performance across the bank demonstrates the delivery of our original aspirations of recapturing lost market share whilst delivering sustainable levels of returns that are c. 2x the level when we started this journey. A few 2025 business highlights Financial Financia
Slide 4: SAR SAR
◆ ◆ SAR ◆ ◆ SAR ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ SAR ◆ ◆ ◆ ◆ ◆ SAR SAR SAR PUBLIC 3
Slide 5: SAR PUBLIC
◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ SAR PUBLIC
Slide 6: 4Q25 financials
4025 financials gill SAB
Slide 7: SAR SAR
SAR SAR SAR ▲ ▲ ▲ ▼ ▼ ▲ ▲ ▲ ▲ ▼ ▼ ▼ ▲ ▲ ▲ ▼ ▼ ▼ ▲ ▲ ▲ ▼ ▲ ▲ ▼ ▼ ▲ ▲ ▲ ▲ ▲ ▼ ▼ ▼ ▼ ▼ ▼ ▼ ▲ ▲ ▼ ▼ SAR +5% ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▼ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ PUBLIC 6
Slide 8: SAR SAR
◆ SAR SAR ◆ SAR SAR SAR SAR -3% +31% 2,503 2,503 2,491 2,406 2,365 2,434 2,424 ◆ 2,121 713 737 730 ◆ 597 550 578 559 502 ◆ 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 716 +11% -34% 464 405 419 361 401 152 300 329 110 111 113 111 104 101 100 1Q24 2Q24 3Q24 4Q24 1Q2
Slide 9: SAR SAR SAR
SAR SAR SAR SAR ◆ SAR SAR 1. Reclassification from fee to special commission income, applied retrospectively to 2022 for comparability. PUBLIC 8
Slide 10: Costs
Costs Operating expenses increased in 4025 in part from revaluation of actuarial assumptions; YTD cost efficiency of 30.3% remained ahead of guidance and on a foundation of positive jaws. Cost efficiency ratio through the merger, % 1,191 1,091 1,127 1,045 1,066 1,051 1.075 1,074 1,071 1,074 CER rati
Slide 11: SAR SAR
SAR SAR Purchased or originated credit impaired PUBLIC 10
Slide 12: Customer lending
Customer lending Strong lending growth of 15% YoY, which remains marginally ahead of the sector; we possess a diversified lending portfolio. Gross customer lending, 4 bn ; =. 265.6 2853 289.3 299.7 Faster-than- market growth has seen our overall market share grow to 9.5%! from 8.9% in 2023 222.1 234
Slide 13: SAR SAR
SAR SAR SAR 10% SAR 1. As at 30 September 2025 PUBLIC 12
Slide 14: SAR
SAR 25% 30% 21% SAR 1. Excluding SAB invest portfolio PUBLIC 13
Slide 15: SAR
SAR 1. 2021,2022 & 2023 represent full year average PUBLIC 14
Slide 16: 1. During 3Q25, SAB has revalued a small number of equity investments, which has
SAR 1. During 3Q25, SAB has revalued a small number of equity investments, which has resulted in a SAR1.2bn restatement of equity. 2023 and 2024 RoTE has been restated to provide a comparative PUBLIC 15
Slide 17: 1. Post AT1 coupon payment. During 3Q25, SAB has revalued a small number of
◆ ◆ ◆ ◆ ◆ 1. Post AT1 coupon payment. During 3Q25, SAB has revalued a small number of equity investments, which has resulted in a SAR1.2bn restatement of equity. 2023 and 2024 RoTE has been restated to provide a comparative PUBLIC 16
Slide 18: 3. During 3Q25, SAB has revalued a small number of equity investments, which has
◆ ◆ ◆ ◆ ◆ ◆ 1. NIM has been improved by the reclassification from fee to special commission income, applied retrospectively to 2021 for comparability 2. Post AT1 coupon payment. 3. During 3Q25, SAB has revalued a small number of equity investments, which has resulted in a SAR1.2bn restatement of equ
Slide 19: Appendix
x Append gill SAB
Slide 20: SAR SAR
األول األول األول SAR SAR PUBLIC
Slide 21: Investment case: Five reasons to invest in SAB
Investment case Five reasons to invest in SAB 1. Leading international bank in the Kingdom Our institution has developed into the leading international bank in the Kingdom. through a deep understanding of the needs of our customers and a bespoke. product suite that delivers intrinsic value. Our uniq
Slide 22: SAB's differentiation - connectivity with HSBC
bank in KSA with all key business SAB’s differentiation - connectivity with HSBC Our contribution to bringing the world to Saudi, and Saudi to the world Other HSBC Group Companies Global Network Global Product Capabilities Sector Capabilities dla Tadawul HSBC SAB Saudi Arabia = Corporate & Coverage
Slide 23: Medium term outlook: 2024 to 2026
Medium term outlook: 2024 to 2026 Sustainably gain market Grow sustainable returns nadly g : : share in lending over the in a changing environment next 3 years The leading international bank in the Kingdom Alawwal (the best) in customer experience Be future-ready by leading in digital and ESG A Scal
Slide 24: Reclassification summary
Reclassification summary During 40 2025, we enhanced the presentation of certain management fees to reflect their economic substance and recognition over the life of the credit, resulting in a reclassification from fee income to special commission income. The revised presentation was applied retrosp