Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — 2Q 2025 Earnings Presentation
45 slides from Saudi Investment Bank's earnings presentation, August 2025
Slide 1: Investor Presentation 2Q 2025
Investor Presentation 2Q 2025 August 2025 The Saudi Investment Bank – 2Q 2025 Investor Presentation
Slide 2: Contents
Contents SAIB Overview 3 KSA Operating Environment 9 Strategy 12 Financial Performance 19 Guidance 31 Segmental Performance 33 Appendix 40 The Saudi Investment Bank – 2Q 2025 Investor Presentation
Slide 3: SAIB Overview
SAIB Overview The Saudi Investment Bank – 2Q 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 YTD +1% increase YTD ¥ 18.2 bn +13.6% 25.6% 50 948k Market Cap. Share Price (in last 1 year) owned by General Organization for Social In
Slide 5: Top facts about The Saudi Investment Bank
Top 8 facts about The Saudi Investment Bank 1 2 3 4 Mid-Sized, corporate Bank Stronger market share Private Banking Top share price with a Differentiated and in Corporate Banking market share performance Target-Focused Client than in total assets stronger than some Model broader competitors 5 6 7 8
Slide 6: 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 7: 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) +10% CAGR +9% CAGR +19% CAGR 3,967 4,178 1,657 1,735 1,957 1,445 1,762 3,278 1,214 1,270 1,508 2,846 2,753 980 1,062 2020 2021 2
Slide 8: 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 (%) +16% CAGR +12% CAGR +639bps 99.5 94.0 12.5% 13.1% 80.8 83.2 10.6% 68.9 69.6 57.8 60.1 61.5 7.5% 55.1 6.7% 2020 2021 2022 2023 2024 2020 2021 2022 20
Slide 9: Operating Environment
Operating Environment The Saudi Investment Bank – 2Q 2025 Investor Presentation
Slide 10: The Saudi Economy is healthy, though GDP growth in 2025 impacted by lower oil contribution
The Saudi Economy is healthy, though GDP growth in 2025 impacted by lower oil contribution Real GDP Growth (%) Oil Prices (USD) Brent Oil Price / Barrel (avg) WTI Oil Price / Barrel (avg) 3.6% 59.6WTI 82.3 79.9 3.6% 3.9% 77.6 3.6% 76.6 67.7 63.3 2.0% 63.7 0.5% 64.1 59.6 59.5 2023 2024 2025 2026 2027
Slide 11: The Saudi Banking sector is profitable and showing solid growth momentum
The Saudi Banking sector is profitable and showing solid growth momentum, though liquidity is tighter amidst higher rate environment Bank Credit (¥ bn) Bank Deposits (¥ bn) Profitability (%) ROE ROA 15.3% ROE +14% CAGR +9% CAGR 2,956 3,102 2,692 2,804 14.7% 15.0% 2,584 2,295 2,473 13.7% 15.3% 2,
Slide 12: Strategy
Strategy The Saudi Investment Bank – 2Q 2025 Investor Presentation
Slide 13: As part of Strategy 2027, we have set a strategic vision for each function
As part of Strategy 2027, we have set a strategic vision for each function Vision To be the trusted bank for our clients We build long term relationships with clients, create an unrivaled work environment for our people and deliver Mission consistent value for our shareholders Corporate Banking
Slide 14: Strategy 2027 is transforming the bank through 40+ initiatives across 9 businesses and functions
Strategy 2027 is transforming the bank through 40+ initiatives across 9 businesses and functions в Focus areas Consumer & Private Corporate Banking Public Institutions Banking Core 1 Strategic segmentation & Accelerate Increase penetration Build differentiated and grow DDA and fees segments differen
Slide 15: Strategy 2027 has achieved many milestones to date...
Strategy 2027 has achieved many milestones to date... Consumer & Private Corporate Banking Banking Public Institutions • Introduced new innovative digital services for • Introduced new customer segments to cater • Building best-in-class CRM platform: phase-1 Corporate Banking customers for their nee
Slide 16: …and has set ambitious goals to achieve during the current year
…and has set ambitious goals to achieve during the current year Consumer & Private Corporate Banking Banking Public Institutions Launch revamped account opening, trade Launch new segments with improved value Launch revamped account opening journey process and enhanced operating model propositi
Slide 17: S60 Ventures Fund
S60 Ventures Fund managed by Alisthithmar Capital - a $100 Million fund for promising fintech startups A WELL CAPITALIZED, FINTECH‒FOCUSED VC FUND WITH STRONG TIES ACROSS THE ECOSYSTEM Mission Vision Values We want to empower visionary Our goal is to be the trusted Rooted in principle capital, we fo
Slide 18: With our strategy, we aim to grow market share, increase fee income and improve efficiency to drive higher ROE
With our strategy, we aim to grow market share, increase fee income and improve efficiency to drive higher ROE Grow Market Share in Commercial Loans Grow Market Share in Retail Loans SAIB has already started to close the gap Commercial KSA Market Share towards KSA peers’ return on equity Retail KSA
Slide 19: Financial Performance
Financial Performance 2Q 2025 The Saudi Investment Bank – 2Q 2025 Investor Presentation
Slide 20: SAIB is focused on delivering strong results across key performance indicators
SAIB is focused on delivering strong results across key performance indicators 1H 2025 DRIVERS LOANS & ADVANCES ¥ 108.4bn +9% YTD Strong growth in Corporate (+12%) and Private Banking (+6%) loans Balance Sheet DEPOSITS ¥ 100.2bn +7% YTD IBD growth (+14%) driven by corporate and retail customers, par
Slide 21: Balance sheet momentum from financing growth, funded by deposits and interbank
Balance sheet momentum from financing growth, funded by deposits and interbank Total assets increased by 7% YTD driven by 9% growth in loans and 6% rise in investments, partially offset by decreased balances with SAMA (-6%) and bank Loans & Advances (¥ bn) Retail Corporate Other placements (-19%) To
Slide 22: Loan growth momentum continues, driven by corporate and private banking lending
Loan growth momentum continues, driven by corporate and private banking lending 9% YTD growth in loans driven by 12% increase in +6% Loans & Advances by Segment (%) corporate lending due to widespread growth across sectors and further expansion of private banking lending +9% +1% Total Loans YTD Ac
Slide 23: Investments grew by 6% to ¥ 43.1 billion
Investments grew by 6% to ¥ 43.1 billion Investments grew by 6% since the beginning of the year Investments, Gross by Type (%) Investments by Accounting Classification (%) 96% of investments were fixed rate debt securities 60% of investments were accounted for amortized cost and 39% at fair value th
Slide 24: Customer deposits increased 7% YTD driven by IBDs
Customer deposits increased 7% YTD driven by IBDs Deposits grew 7% during 1H 2025 due to increase in interest-bearing deposits Deposits by Segment (%) Corporate deposits increased by 15%, and Retail +7% Deposits YTD deposits by 5% YTD IBDs rose 14% YTD from inflows to time deposits amid 15% prevai
Slide 25: 9% growth in 1H 2025 earnings driven by increased operating income and lower risk
9% growth in 1H 2025 earnings driven by increased operating income and lower risk cost Net income increased 9% YoY in 1H 2025 driven by 5% growth in operating income, further aided by a 13% decrease in impairment charges Net Income Movement YoY (¥ mn) Return of Equity increased 41 bps YoY to 13.1% i
Slide 26: NSCI grew 4% YoY as 21% growth in average earning assets was partly offset by NIM contraction
NSCI grew 4% YoY as 21% growth in average earning assets was partly offset by a 39bps NIM contraction NSCI grew 4% YoY as 21% growth in average earning NSCI Movement YoY (¥ mn) NIM Movement YoY FY 2025 Guidance assets for 1H 2025 was partly offset by NIM contraction NIM: 2.30% - 2.40% The NIM declin
Slide 27: Growth in fee and other income of 12% driven by foreign exchange income and banking services
Growth in fee and other income of 12% driven by foreign exchange income and fee income from banking services Fee & other income increased 12% YoY in 1H 2025, Fee & Other Income Movement YoY (¥ mn) mainly driven by foreign exchange income fee income from banking services Foreign exchange income incre
Slide 28: Marginal increase in operating expenses improving the cost to income ratio
Marginal increase in operating expenses improving the cost to income ratio Operating expenses increased 2% YoY in 1H 2025 Operating Expenses Composition Operating Expenses (¥ mn) driven by higher employee-related costs and depreciation & amortization expenses, while general & (%) - 1H 25 administrat
Slide 29: Credit quality remained stable with COR and NPL ratio at low levels
Credit quality remained stable with COR and NPL ratio at low levels Total impairments of ¥ 126 mn for 1H 2025, Impairments (¥ mn) Cost of Risk decreasing 13% YoY from ¥ 144 mn in 1H 2024 FY 2025 Guidance COR: FY 0.30% 2025 - 0.35% Guidance Cost of risk decreased 9 bps YoY to 0.24% in 1H COR: 0.30% -
Slide 30: Solid liquidity, funding and capital position with adequate buffers
Solid liquidity, funding and capital position with adequate buffers LCR increased by 47.3 ppt during 1H 2025 to 212.0%, Liquidity Ratios LCR NSFR Loans to Deposits Ratio SAMA LTD Headline LTD while NSFR increased 1.4 ppt to 110.1% As of the end 2Q 2025, the SAMA regulatory LTD ratio was within requi
Slide 31: Guidance
Guidance The Saudi Investment Bank – 2Q 2025 Investor Presentation
Slide 32: Adjusted FY 2025 guidance on NIM, CIR and T1 ratio, but ROE outlook remains unchanged
Adjusted FY 2025 guidance on NIM, CIR and T1 ratio, but ROE outlook remains unchanged 2024 Actual 1H 2025 Actual 2025 Guidance Guidance revisions Balance Sheet LOANS & ADVANCES +23% +9% >>15.0% 15.0% Guidance unchanged YoY YoY YTD NET INTEREST MARGIN 2.68% 2.40% Approx. 2.30% - 2.75% 2.40% Revised d
Slide 33: Segmental performance
Segmental performance The Saudi Investment Bank – 2Q 2025 Investor Presentation
Slide 34: 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) +5% +10% 2,018 64 52 21 23 2,120 1,074 38 57 18 23 1,181 (58) (28) 1H 24 Retail Corporate Treasury Asset Mgmt. Other 1H 25 1H 24 Reta
Slide 35: 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 36: Strong Corporate net income growth of 7% YoY for 1H 2025
Strong Corporate net income growth of 7% YoY for 1H 2025 from higher operating income and lower impairments ¥ Million 1H 2025 1H 2024 Δ 2Q 2025 2Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 760 701 +8% 386 372 +4% Fee & other income 106 101 +5% 52 57 -8% +7% 5
Slide 37: Retail net income for 1H 2025 decreased 10% YoY
Retail net income for 1H 2025 decreased 10% YoY from lower operating income, partly offset by lower operating expenses ¥ Million 1H 2025 1H 2024 Δ 2Q 2025 2Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 666 717 -7% 328 360 -9% Fee & other income 60 67 -10% 28 30 -
Slide 38: Treasury and Investments net income for 1H 2025 grew by 17% YoY
Treasury and Investments net income for 1H 2025 grew by 17% YoY due to higher operating income ¥ Million 1H 2025 1H 2024 Δ 2Q 2025 2Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 350 305 +15% 177 143 +23% Fee & other income 155 148 +4% 74 82 -10% +17% Total oper
Slide 39: Asset management and brokerage net income for 1H 2025 grew by 30% YoY
Asset management and brokerage net income for 1H 2025 grew by 30% YoY due to higher fee & other income and net special commission income ¥ Million 1H 2025 1H 2024 Δ 2Q 2025 2Q 2024 Δ Net Income Before Zakat Movement YoY (¥ mn) Net Special Commission Income 36 33 +11% 19 17 +12% Fee & other income 10
Slide 40: Appendix
Appendix The Saudi Investment Bank – 2Q 2025 Investor Presentation
Slide 41: Sustainability embedded in SAIB's core business and governance
Sustainability has for nearly 10 years been embedded in SAIB's core business and governance, and is now freshly aligned with the Saudi Vision 2030 sustainable development goals Employee capital 1 Social capital Customer capital Takleef (Responsibility) Awn (Helping Others) Responsible banking practi
Slide 42: 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 43: 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 44: 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 45: 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 – 2Q 2025 Investor Presentation P. 45
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