Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — FY2025 Earnings Presentation
49 slides from Saudi Investment Bank's earnings presentation, February 2026
Slide 1: Investor Presentation FY 2025
Investor Presentation FY 2025 February 2026 The Saudi Investment Bank – FY 2025 Investor Presentation
Slide 2: Contents
Contents SAIB Overview 3 KSA Operating Environment 10 Strategy 13 Financial Performance 22 Guidance 35 Segmental Performance 37 Appendix 44 The Saudi Investment Bank – FY 2025 Investor Presentation
Slide 3: SAIB Overview
SAIB Overview The Saudi Investment Bank – FY 2025 Investor Presentation
Slide 4: Strong corporate and private banking franchise with well capitalized balance sheet
Strong corporate and private banking franchise with well capitalized balance sheet Number of Branches Number of Customers Key Stock Market Highlights -1 branch YoY +2% increase YoY ¥ 16.4 bn -9.4% 25.6% 50 957k Market Cap. Share Price (in last 1 year) owned by General Organization for Social Ins
Slide 5: Growth momentum sustained in FY 2025 demonstrating solid progress
Growth momentum sustained in FY 2025 demonstrating solid progress Net Income grew by 24% YoY to Loans (¥ bn) Net Income (¥ mn) ¥2,431 mn, driven by top-line 80.8 99.5 112.1 Solid balance sheet 2,431 growth, incl. one-off gain on sale 68.9 1,508 1,762 1,957 expansion, driven by 13% of land, and lower
Slide 6: 2025 Year-in-Review: strong market recognition for excellence, performance, and innovation
2025 Year-in-Review: strong market recognition for excellence, performance, and innovation Launched the new mobile Launched a revamped Corporate banking App with significantly Account Opening Journey, Launched USD 1bn improved performance and enabling faster, compliant, and CD program enhanced user
Slide 7: Nearly half a century of excellence: tracing our journey from 1976 into the future
Nearly half a century of excellence: tracing our journey from 1976 into the future Joint stock company SAIB successfully Share Purchase Treasury shares Launched a new 5-year Major share capital S60 Ventures Fund - established by Royal completed its IPO on Agreement with J.P. previously held by J.P.
Slide 8: Robust financial performance with double digit net profit growth and improved profitability
Robust financial performance with double digit net profit growth and improved profitability Total Operating Income (¥ mn) Operating Expenses (¥ mn) Net Income (¥ mn) +15% CAGR +8% CAGR +23% CAGR 4,794 1,657 1,735 1,723 2,431 3,967 4,178 1,445 1,957 3,278 1,270 1,762 2,753 1,508 1,062 2021 2022
Slide 9: Resilient asset quality, adequate capital and liquidity position to accelerate growth and returns
Resilient asset quality, adequate capital and liquidity position to accelerate growth and returns Loans & Advances (¥ bn) Deposits (¥ bn) ROE (%) +18% CAGR +16% CAGR +722bps 112.1 109.6 14.8% 99.5 94.0 12.4% 12.7% 80.8 83.2 10.6% 68.9 61.5 69.6 57.8 7.5% 2021 2022 2023 2024 2025 2021 2022 2023
Slide 10: Operating Environment
Operating Environment The Saudi Investment Bank – FY 2025 Investor Presentation
Slide 11: The Saudi Economy is healthy and growing despite lower oil prices
The Saudi Economy is healthy and growing despite lower oil prices Real GDP Growth (%) Oil Prices (USD) Brent Oil Price / Barrel (avg) WTI Oil Price / Barrel (avg) 4.3% 70.7WTI 82.3 79.9 4.3% 4.5% 77.6 3.6% 70.7 67.3 75.5 67.3 2.0% 69.5 66.2 66.3 0.5% 2023 2024 2025 2026 2027 2023 2024 2025 2026 2027
Slide 12: The Saudi Banking sector is healthy, profitable, and showing solid growth momentum
The Saudi Banking sector is healthy, profitable, and showing solid growth momentum, though liquidity remains tight Bank Credit (¥ bn) Bank Deposits (¥ bn) Profitability (%) ROE ROA 15.1% ROE +13% CAGR +9% CAGR 3,296 2,926 2,956 2,692 2,584 2,473 2,349 2,104 2,295 14.7% 15.0% 2,059 1,943 1,783 13
Slide 13: Strategy
Strategy The Saudi Investment Bank – FY 2025 Investor Presentation
Slide 14: Our 5-year strategy, Strategy 2027, set a bold vision and outlined priorities
Our 5-year strategy, Strategy 2027, set a bold vision and outlined priorities for each business and function Core business segments Vision To be the trusted bank for our clients Corporate Banking Public Institutions Accelerate profitable growth Increase penetration and grow DDA and fees Mission We b
Slide 15: Strategy 2027 is transforming the bank through 43 initiatives, most of which are completed
Strategy 2027 is transforming the bank through 43 initiatives, most of which are completed Core business segments Focus Areas Corporate Banking Public Institutions Consumer, Private Accelerate profitable growth Increase penetration and grow DDA and fees Banking Build differentiated value Strategic s
Slide 16: Delivering digital excellence: industry-leading apps, portals, and user experience
Delivering digital excellence: industry-leading apps, portals, and user experience Launched new mobile banking App with significantly improved performance and enhanced user experience. 4.8 4.8 The award-winning App is rated 4.8 across Apple and Android app stores – highest among KSA banks. Exclusive
Slide 17: Delivering digital excellence: industry-leading apps, portals, and user experience
Delivering digital excellence: industry-leading apps, portals, and user experience Launched the revamped Corporate Account Opening Journey as part of our digital transformation, which: • Simplifies and accelerates onboarding for corporate clients • Reduces manual intervention through digital verific
Slide 18: Innovating for customers: new products redefining value and experience
Innovating for customers: new products redefining value and experience Introduced KSA’s first Travel Account in partnership with Saudia Airlines offering AlFursan travel miles on monthly average account Launched a new Shariah-compliant Zakat-exempted Saving Account balance. with best-in-class profit
Slide 19: S60 Ventures Fund
S60 Ventures Fund managed by Alisthithmar Capital - a $100 Million fund investing in exceptional startups A WELL CAPITALIZED, FINTECH‒FOCUSED VC FUND WITH STRONG TIES ACROSS THE ECOSYSTEM To empower visionary To be the trusted first call for Rooted in principled capital, founders by providing capita
Slide 20: Further enhancements being implemented across businesses and key enablers
Further enhancements being implemented across businesses and key enablers such as Risk, Data & AI, HR Implemented… …and more in the pipeline Launching best-in-class Corporate Set up a venture capital arm, S60 Established best-in-class Internet Banking with Ventures, to back promising capabilities in
Slide 21: In Q4 2025, we refreshed our Strategy 2027 to identify further priorities
In Q4 2025, we refreshed our Strategy 2027 to identify further priorities for the remaining period Key considerations in the Additional strategic priorities Strategy Refresh for 2026 and 2027 Progress made in the last 3 years Revamp the liability strategy to on the Strategy 2027 priorities and impro
Slide 22: Financial Performance
Financial Performance FY 2025 The Saudi Investment Bank – FY 2025 Investor Presentation
Slide 23: SAIB is focused on delivering strong results across key performance indicators
SAIB is focused on delivering strong results across key performance indicators FY 2025 DRIVERS LOANS & ADVANCES ¥ 112.1bn +13% YoY Strong growth in Corporate (+16%) and Private Banking (+14%) loans Balance Sheet DEPOSITS ¥ 109.6bn +17% YoY IBD growth (+31%) mainly driven by retail customers, partial
Slide 24: Balance sheet momentum from growth in financing and investments
Balance sheet momentum from growth in financing and investments, funded by deposits and term loan issuance Total assets up 10% YoY, driven by higher loans (+13%), investments (+16%), and bank placements (+23%), partially offset by lower balances with SAMA (-38%) Loans & Advances (¥ bn) Retail Corpor
Slide 25: Sustained loan growth momentum, driven by corporate and private banking lending
Sustained loan growth momentum, driven by corporate and private banking lending 13% YoY growth in loans driven by 16% increase in Loans & Advances by Segment (%) corporate lending due to widespread growth across sectors and further expansion of private banking lending +13% Total Loans YoY Active p
Slide 26: Investments grew by 16% to ¥ 47.2 billion
Investments grew by 16% to ¥ 47.2 billion Investments grew by 16% during FY 2025 Investments, Gross by Type (%) Investments by Accounting Classification (%) 96% of investments were fixed rate debt securities 63% of investments were accounted for amortized cost and 36% at fair value through other com
Slide 27: Robust funding structure, leveraging customer deposits and market presence
Robust funding structure, leveraging customer deposits and market presence SAIB’s funding is largely comprised of customers’ S&P Funding Structure Overview (SARbn) Other Tier 1 sukuk deposits which represented 73% of total liabilities and BBB+ Shareholders' equity Term loans 63% of total liabilities
Slide 28: Customer deposits increased 17% YoY driven by IBDs
Customer deposits increased 17% YoY driven by IBDs Deposits grew 17% during FY 2025 due to increased Deposits by Segment (%) interest-bearing deposits (IBDs) Diversified growth across business lines: Corporate +17% Deposits YoY deposits +27%, Retail +15%, Treasury & Investments +13% YoY 1% 14% IBD
Slide 29: 24% growth in FY 2025 earnings driven by increased operating income
24% growth in FY 2025 earnings driven by increased operating income, supported by one-off gain, and lower operating expenses Net income increased 24% YoY in FY 2025 driven by 15% growth in operating income, further aided by 1% decrease in operating expenses and partially offset by 22% increase Net I
Slide 30: NSCI was stable YoY as strong average earnings asset growth was offset by NIM contraction
NSCI was stable YoY as strong average earnings asset growth of 18% was offset by 41bps NIM contraction NSCI was stable YoY as 18% growth in average earning NSCI Movement YoY (¥ mn) NIM Movement YoY FY 2025 Guidance assets was offset by NIM contraction NIM: 2.25% - 2.30% The NIM declined by 41 bps Yo
Slide 31: Growth in fee and other income by 97% driven by a one-off gain on sale of land
Growth in fee and other income by 97% driven by a one-off gain on sale of land, and increase in foreign exchange income and fee income from banking services Fee & other income increased 97% YoY in FY 2025, Fee & Other Income Movement YoY (¥ mn) mainly driven by a one-off gain on sale of land in Nove
Slide 32: Marginal decrease in operating expenses and improving cost to income ratio
Marginal decrease in operating expenses and improving cost to income ratio Operating expenses decreased 1% YoY in FY 2025 Operating Expenses Composition Operating Expenses (¥ mn) driven by lower general & administrative expenses, partially offset by higher employee-related costs and (%) - FY 25 depr
Slide 33: Credit quality remained stable with COR and NPL ratio at consistently low levels
Credit quality remained stable with COR and NPL ratio at consistently low levels Total impairments of ¥ 355 mn for FY 2025, Impairments (¥ mn) Cost of Risk increasing 22% YoY from ¥ 290 mn in FY 2024 FY 2025 Guidance Cost of risk increased 1 bps YoY to 0.33% in FY 2025 COR: 0.30% - 0.35% NPL ratio d
Slide 34: Solid liquidity, funding and capital position with adequate buffers
Solid liquidity, funding and capital position with adequate buffers LCR increased by 20.7 ppt during FY 2025 to 185.3%, Liquidity Ratios LCR NSFR Loans to Deposits Ratio SAMA LTD Headline LTD while NSFR increased 3.3 ppt to 112.0% At the end 2025, the SAMA regulatory LTD ratio was 212.0% 209.4% 108.
Slide 35: Guidance
Guidance The Saudi Investment Bank – FY 2025 Investor Presentation
Slide 36: FY 2025 financial results provided a strong foundation for setting ambitious goals for the year ahead
FY 2025 financial results, which largely met expectations, provided a strong foundation for setting ambitious goals for the year ahead 2025 Actual 2025 Guidance 2026 Guidance 2026 Guidance Drivers Disciplined growth in Corporate and Balance Sheet LOANS & ADVANCES +13% >15.0% Mid to High > 15.0% Priv
Slide 37: Segmental performance
Segmental performance The Saudi Investment Bank – FY 2025 Investor Presentation
Slide 38: Income and profit growth driven by growth across all segments except retail
Income and profit growth driven by growth across all segments except retail Total Operating Income Movement YoY (¥ mn) Net Income Before Zakat Movement YoY (¥ mn) +15% +25% 734 129 35 4,794 649 147 28 2,841 4,178 2,270 (33) (33) (249) (220) FY 24 Retail Corporate Treasury Asset Mgmt. Other FY 25
Slide 39: Balanced contributions to Operating and Net Income from Retail, Corporate, and Treasury & Investment
Balanced contributions to Operating and Net Income from Retail, Corporate, and Treasury & Investment, with dominance of corporate loans and retail Deposits Total Operating Income (¥ mn) Retail Corporate Net Income Before Zakat (¥ mn) Retail Corporate Treasury & Investment Asset Mgmt. & Brokerage Tre
Slide 40: Strong Corporate net income growth of 63% YoY for FY 2025
Strong Corporate net income growth of 63% YoY for FY 2025 from higher operating income, partially offset by increased operating expenses and impairments ¥ Million FY 2025 FY 2024 Δ 4Q 2025 4Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 1,517 1,347 +13% 339 329 +3
Slide 41: Retail net income for FY 2025 decreased 41% YoY
Retail net income for FY 2025 decreased 41% YoY from lower operating income and higher impairments, partly offset by lower operating expenses ¥ Million FY 2025 FY 2024 Δ 4Q 2025 4Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 1,160 1,437 -19% 232 342 -32% Fee & ot
Slide 42: Treasury and Investments net income for FY 2025 grew by 17% YoY
Treasury and Investments net income for FY 2025 grew by 17% YoY mainly due to higher operating income, lower expenses, and income from associates ¥ Million FY 2025 FY 2024 Δ 4Q 2025 4Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 829 746 +11% 310 228 +36% Fee & ot
Slide 43: Asset management and brokerage net income for FY 2025 grew by 24% YoY
Asset management and brokerage net income for FY 2025 grew by 24% YoY due to higher fee & other income and net special commission income ¥ Million FY 2025 FY 2024 Δ 4Q 2025 4Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 79 68 +17% 21 18 +20% Fee & other income 19
Slide 44: Appendix
Appendix The Saudi Investment Bank – FY 2025 Investor Presentation
Slide 45: Sustainability embedded in SAIB's core business and governance
Sustainability has for 10 years been embedded in SAIB's core business and governance, and is now freshly aligned with the Saudi Vision 2030 sustainable and social development goals Employee capital Social capital Customer capital Takleef (Responsibility) Awn (Helping Others) Responsible banking prac
Slide 46: Core components of SAIB's sustainable finance framework
Core components of SAIB’s sustainable finance framework Use of proceeds categories under SAIB’s sustainable finance framework Use of Proceeds Project Selection & Management of Reporting Evaluation Proceeds 1 Renewable Energy • Allocation of an amount • A Sustainable Finance • Proceeds will be • Annu
Slide 47: Strengthening our value proposition through a prestigious partnership with Real Madrid
Strengthening our value proposition through a prestigious partnership with Real Madrid Through this partnership, SAIB aims to introduce a unique customer experiences focusing on customer centricity and personalized experiences: • General Customer Experiences. SAIB offers its customers exceptional fo
Slide 48: Disclaimer
Disclaimer The Saudi Investment Bank (SAIB) prepared this presentation on a proprietary basis as general background information about the activities of SAIB. The information contained herein is given in summary form and for discussion purposes only. Some of the information that is relied upon by SAI
Slide 49: SAIB Investor Relations
SAIB Investor Relations For more information, please visit www.saib.com.sa/en/investor-relations or contact SAIB Investor Relations at ir@saib.com.sa The Saudi Investment Bank – FY 2025 Investor Presentation P. 49
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