Saudi Awwal Bank · TADAWUL:1060

Saudi Awwal Bank — Q2 2025 Earnings Presentation

21 slides from Saudi Awwal Bank's earnings presentation, 2025

  1. Slide 1: Saudi Awwal Bank 2Q25 Earnings call presentation

    Saudi Awwal Bank 2Q25 Earnings call presentation

  2. Slide 2: CEO's key 2025 messages

    CEO's key 2025 messages Xd Sis

  3. Slide 3: SAR SAR

                      SAR  SAR SAR SAR 1. As at 31 March 2025 2

  4. Slide 4:              

                                       

  5. Slide 5: 2025 financials

    2025 financials Jgill SAB

  6. Slide 6: ▲ ▲ ▲ ▼ ▼ ▼ ▲ ▼ ▲ ▼ ▼ ▼ ▲ ▲

    ▲ ▲ ▲ ▼ ▼ ▼ ▲ ▼ ▲ ▼ ▼ ▼ ▲ ▲ ▲ ▼ ▼ ▼ ▲ ▲ ▲ ▼ ▼ ▼ ▼ ▼ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▼ ▼ ▼ ▲ ▲ ▼ +5% ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▲ ▼ ▲ ▲ ▲ ▼ 5

  7. Slide 7: SAR SAR

    SAR SAR  0% +3% 2,503 2,503 2,365 2,434 2,424 2,121   713 737 578 597 550 502  1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25  716 -3% +10% 464 419 405 110 111 113 111 104 101 300 329 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 6

  8. Slide 8: NSCI and non-funds revenue

    NSCI and non-funds revenue NSCI continues to strengthen, supported by asset growth that offsets NIM compression; non-funds income benefitted from an increase in FX income together with trading gains and a MTM gain on an equity portfolio. NSCI, # m and Average interest earning assets, # bn PV unwind

  9. Slide 9: Costs

    Costs Cost performance was broadly stable versus 1025 and 2024, reflecting strong cost control. Recent cost trend, 4+ m re; 1,066 1,075 1,074 1,091 1,071 1,074 1,008 ggg. 088 1,051 1023 ©2023» «3023.« 4023S 1024. = 2024 3024 «4024 = 1025 2025 costs by type, # m General and administrative expenses Hi

  10. Slide 10: SAR SAR

    SAR SAR Purchased or originated credit impaired 102 47 49 27 24 27 23 28 27 30 9 14 19 10 21 9

  11. Slide 11: SAR

    SAR SAR 1. As at 31 March 2025 10

  12. Slide 12: SAR SAR

    SAR SAR SAR 10% SAR 1. As at 31 March 2025 11

  13. Slide 13: SAR

    SAR 25%  34% 24% SAR 1. As at 31 May 2025 12

  14. Slide 14: SAR

    SAR 1. 2021,2022 & 2023 represent full year average 13

  15. Slide 15: Capital and returns

    Capital and returns SAB now delivering sustainable levels of returns from revenue, low cost-of-risk and strong cost control. Return on tangible equity, % CET1 capital ratio, % Total capital ratio, % Basel 3 reforms basis Basel 3 reforms basis 153 16.0 et 171 17.2 193 193 196 yg.q 197 20° 19.6 gg 19.

  16. Slide 16: 1. Post AT1 coupon payment

         1. Post AT1 coupon payment 15

  17. Slide 17: Appendix

    x Append gill SAB

  18. Slide 18: SAR SAR

    ‫األول‬ ‫األول‬ ‫األول‬ ‫‪SAR‬‬ ‫‪SAR‬‬

  19. Slide 19: 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 uniqu

  20. Slide 20: 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 dala Tadawul HSBC SAB Saudi Arabia = Corporate & Coverage

  21. Slide 21: 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 Al

Saudi Awwal Bank — Q2 2025 Earnings Presentation on 6ix