Slide 1: Investor Presentation 2Q 2026
Investor Presentation 2Q 2026
Slide 2: Disclaimer
Appendix Disclaimer This presentationhas been preparedby 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 the business, future plans and strategies
Slide 3: Content
Content Riyad Bank Profile Strategy Sustainability Operating Environment Financial Performance Appendix
Slide 4: Riyad Bank Profile
Riyad Bank Profi i igo Lo EEDA a
Slide 5: Summary Profile
Profile Summary Profile Riyad Bank is the third largest bank in Saudi Arabia Our Vision Our Employees Our Presence To be the most innovative 8 si financial solutions 28s Employees* 7,1 30 ~ aaah ° BB, FemaleEmployees* 30% oe 1H 2026 Key Metrics Singapore ° Assets Operating Income Cost to Income Rati
Slide 6: Market Shares
Profile Market Shares Riyad Bank is consistently in the top 3 KSA banks across arange of metrics 2025 Total Assets (4¢bn) & Market Share (%) 2025 Oper. Income (4¢bn) & Market Share (%) 2025 Net Income (4bn) & Market Share (%) 1,210 04s Aa a 25 25 519 18 10 5 455 , o 26.1% Mo» 59 Ark a Aue AG 15 2 n
Slide 7: Market Parameters
Market Parameters Profile Riyad Bank is a liquid stock with strong domestic ownership Market Capitalization v 52-week Trading Range (4) 30Jun 2026 30Jun 2026 -2.2% YTD 4. 179.640 19.14 - 22.35 Valuation Metrics 8.2x P/E ratio (FY25) 1.27x P/TBV (FY25) 5.2% Dividend Yield (FY25) Riyad Bank Daily Shar
Slide 8: Strategy Update
Strategy Update
Slide 9: 2025 Strategy Closure
Strategy 2025 Strategy Closure Aspiration Achievements for 2025 Strategy Strategi 8 5 . ) Ree” MostProfitable = Most Efficient shee BankofChoice [FY A Definition Sustainable profit growth Highestreturnonspendand Best bank for customer, and returns to shareholders operational excellence employees and
Slide 10: Key Financial Achievements for 2025 Strategy
2025 Strategy Closure Key Financial Achievements for 2025 Strategy 2020 Total Assets 3 1 (6) Le & Ateenceenen = 1 9 1 Net Income o 4. 7 2025 Total Assets 5 19 L & Pavancesinet = 3 7 3 Net Income a 10.4 Strategy CAGR Growth Total Assets + 1 1 % Loans& sy + 1 4 of Advances, net 0 Net Income 2 + 1 7 %
Slide 11: Strategic Ambition
Strategic Ambition Strategy 2030 aspiration responds to the key shifts reshaping banking & sector dynamics, digital & customer evolution, and revenue diversification Our strategy is built on four themes: Hyperscale Retail Increase our current customer base through digital acquisition, embedding into
Slide 12: Vision and strategic pillars for 2030
Strategy With the Board’s aspiration as our North Star, we have defined an exciting vision and strategic pillars for 2030 Strategy 2030 Become KSA’s most innovative bank, powering the Kingdom's growth g “S ¢ Ci Q OG Ff STRATEGIC Ww = a - PILLARS Strong shareholder Delighting customers & a = Building
Slide 13: Sustainability Update
Sustainability Update
Slide 14: Climate: D Water: C Public
• • • • • • • • • • • • • • Climate: D • Water: C • • Public
Slide 15: Operating Environment
Operating Enviroment
Slide 16: Global Economy
Environment Global Economy Modest growth holds as the disinflation trend stalls Global growth is expected to remain resilient, supported by stronger activity in emerging markets, particularly Saudi Arabia, while advanced economies continue to expand at a modest pace. Although inflation is projected
Slide 17: KSA Economic Growth
KSA Economic Growth Environment Growth outlook strengthens despite near-term moderation Saudi Arabia’s growth outlook remains favorable despite softer 2026 expectations, with international institutions anticipating a strong rebound in 2027. Meanwhile, non-oil activity continues to demonstrate resili
Slide 18: KSA Inflation and PMI
KSA Inflation and PMI Environment Business confidence strengthens amid stable inflation environment A favorable macroeconomic environment continues to support economic activity, with inflation remaining well contained despite persistent services price pressures. Business conditions strengthened in t
Slide 19: KSA Banking Sector
Environment KSA Banking Sector The Saudi banking sector is attractively positioned for growth Bank Credit (4bn) Bank Deposits (4ebn) +9% CAGR asea 2,956 3,296 3298 AaB 2,692 2,926 2,349 . 2,104 " . 1,943 S 1,783 2,059 Yor U +16% 114% +10% 414% +12% YoY 48% 19% 48% 19% +9% 2020 2021 2022 2023 2024 20
Slide 20: 2Q 2026 Financial Performance
2Q 2026 Financial Performance Public
Slide 21: Balance Sheet Summary
Balance Sheet Summary Financials Balance sheet expanded by 3% YTD mainly driven by a strong growth in the investment portfolio while funding was mainly from customer deposits + Total assets amounted to 4 534 bn as of 30th June 2026, up 3% YTD on the back of 16%. growth in investments, 1% growth in l
Slide 22: Loan Book Overview
Financials Loan Book Overview Commercial book continues to drive loan portfolio growth, while consumer loans witnessed a slight reduction during the period Loans & Advances, Net Movement Commercial Loans, Net by Economic Sector Movement YTD (sbn) Retail Loans, Net by Product Movement YTD. (bn) YTD (
Slide 23: Credit Quality
Credit Quality Financials Solid and resilient financial position with non-performing loan ratio improving year-on-year, reaching 0.88% as of 30' June 2026 NPLs by Segment (bn) NPLs (4¢bn) 41 3.2 3.0 ks 3.3 3.0 3.2 3.4 11 us * s | [J | +5% an 0a -20% 9% +8% +5% 4Q-25 10-26 20-26 20-25 3Q-25 4Q-25 10-
Slide 24: Credit Quality
Financials Credit Quality NPL coverage ratio remains healthy at 149.2% with stage 3 coverage stable sequentially standing at 50.6% + Healthy NPL coverage ratio standing at Total Allowances (4kbn) NPL Coverage Ratio (%) Retail NPL Coverage — 149.2% as of 30° June 2026. 20-26 ———_Eaiaga+—_—— 121% YTD
Slide 25: Investments
Investments Financials Investments grew by 16% YTD, primarily driven by robust growth in high quality fixed rate assets + Investment portfolio increased by 16% YTD reaching to + 92.5bn as of 30" June 2026. + The year-to-date growth in investments was mainly coming from the strong growth in fixed rat
Slide 26: Deposits
Deposits Financials Customers’ deposits grew by 5% year-to-date from interest-bearing deposits + Customer deposits amounted to 4 348.3 bnas of 30"" June 2026, an increase of 5% YTD. + Interest bearing deposits increased rapidly by 12% YTD as of 30" June 2026, reaching to 4 195.9 bn. « Non-Interest b
Slide 27: Public
◆ ◆ ◆ 120.0% 160.0% 110 500 140.0% 100 100.0% 90 120.0% 400 80 80.0% 100.0% 70 300 60 80.0% 60.0% 50 60.0% 200 40.0% 40 30 40.0% 100 20.0% 20 20.0% 10 0 0.0% 0 0.0% Public
Slide 28: Capitalization
Capitalization Financials Capitalization remains healthy and well above regulatory minima Total Regulatory Capital Movement YTD (4bn) 86.7 53 -—= (0.3) (1.6) -_ 4Q-25 Net income Tier 1 sukuk cost Dividends paid Capital Ratios (%) 19.4% 19.4% 18.4% 17.8% 16.9% 16.7% 16.7% 15.9% 15.8% 16.0% 14.0% 14.0
Slide 29: Income Statement Summary
Income Statement Summary Financials Net income reached 4 5,263 million in 1H 2026, a growth of 4% supported by higher total operating income, resulting in ROAE standing at 16.0% 4 (mn) Ele L ee 20-2025 Nscl 3,200 Fee & other income 1,360 1,320 Total operating income 4,520 Expenses before impairments
Slide 30: Net Special Commission Income
Net Special Commission Income Financials NSCI witnessed a notable growth, propelled by increased volume which was partially offset by higher cost of funds + Net special commission income amounted to # 6,761 milion in 1H 2026, a notable growth of 4% over the corresponding period in 2025, mainly drive
Slide 31: Net Special Commission Margin
Net Special Commission Margin Financials NSCI margin was lower from commission yield tracking benchmark rates movements while cost of funds impacted by change in liability mix + Net special commission margin was lower by 18bps reaching to 2.81% YoY for 1H 2026. + Quarterly net special commission mar
Slide 32: Interest Rate Sensitivity
Financials Interest Rate Sensitivity Neutral sensitivity to the interest rate changes * The Group assess sensitivity to a possible change in special commission rates, with other variables held constant and assuming a constant balance sheet mix. Impact of -25bp rate change Impact of -25bp rate change
Slide 33: Fee & other income
Financials Fee & other income Expanding products offering with continuous focus on cross-sell activities offset the lower fees from banking services YoY % YoY % (mn) 2Q-2026 (Reet Change 1H-2025 Change Fee & Other Income Movement YoY (4mn) Fee income from banking services 1,107 1,235 -10% 2,425 -10%
Slide 34: Operating Expenses
Financials Operating Expenses Cost discipline and improved efficiencies resulted in maintaining healthy positive jaws despite ongoing investments in people, infrastructure and digital capabilities + Operating expenses before impairments increased by 1% YoY to reach 4 2,734 million during Expenses be
Slide 35: Impairment charges
Financials Impairment charges Proactive risk management and sound asset quality continues to support cost of credit risk normalization + Impairment charges increased by 1% YoY to 4 675mn in Impairments (mn) Cost of Credit Risk (%) 1H 2026. + Commercial impairment charges increased by96% YoY in 1H 20
Slide 36: Segment Performance
Segment Performance
Slide 37: Segment Dashboard
Segment Dashboard Financials Corporate segment accounts for 61% of total operating income translating into 76% share in net income before zakat g Corporate Retail Treasury and Investments iit Investment Banking and Brokerage Operating Income mee som vor HEI * 5,700 Million Operating Income 1H-26 “1%
Slide 38: Corporate Segment
Corporate Segment Financials Strong growth in operating income and lower operating expenses bolstered corporate profitability * Net income before zakat for the Corporate segment rapidly increased by 13% YoY to reach 4 4,500mn in 1H 2026 due to higher operating income and lower operating expenses. *
Slide 39: Retail Segment
Retail Segment Financials Retail net income spiked by 59% YoY during 1H 2026, primarily driven by NSCI growth and lower impairment charges + Netincome before zakat for the Retall segment spiked by 59% YoY to reach 4 327mn in 1H 2026, mainly due to the increase in NSCI and lower impairments . * NSCli
Slide 40: Treasury and Investments Segment
Financials Treasury and Investments Segment Treasury and Investments net income before zakat declined by 26% YoY impacted by the decline in NSCI and higher provisions YoY % YoY % ‘+ Net income before zakat for Treasury and fot) peta 792 Change faammamad {©2025 change Net Income Before Zakat Movement
Slide 41: Investment Banking and Brokerage Segment
Investment Banking and Brokerage Segment Financials Investment banking and brokerage witnessed a decline in net income before zakat, resulted from lower operating income, higher expenses and impairments * Netincome before zakat for Investment banking and brokerage declined by 12% YoY to reach # 296m
Slide 42: Outlook & Guidance
Outlook & Guidan i igo Lo
Slide 43: Guidance
Guidance Financials Reflecting near-term market dynamics, while long-term goals remain on track Balance Sheet Profitability Asset Quality Capital Loans, Net Net Special Commission Income Cost to Income Return on Equity Cost of Credit Risk Tier 1 Capital Ratio 1H 2026 FY 2026 Guidance Drivers 4 378bn
Slide 44: Historical Performance
Historical Performar Public
Slide 45: Balance sheet 5-year Summary
Balance sheet 5-year Summary Total Assets (4kbn) Loans & Advances, Net (bn) Deposits (4kbn) 519.5 373.3 331.7 ge73 1524 o7a.g 3202 rag Ot 325.7 359.7 [| | 217.3 242.4 [ | aay OO l Lib i 159% Ll 37% ib i 18% 2021 2022 ©2023» 2024-2025 2021 2022 ©2023» 2024-2025 2021 2022 ©2023» 2024-—2025 Headline LD
Slide 46: Income Statement 5-year Summary
Income Statement 5-year Summary Total Operating Income (4mn) +12% CAG 18,381 tzsog 15899 aS 11,568 “ I | | I 118% l 17% 19% +6% 2021 2022 2023 2024 2025 Net Income (4mn) _ 9,322 10,411 6,025 7,019 [| | J +16% L 415% 416% 412% 2021 2022 2023 2024 2025 NSCI Margin (%) 34.3% _ 3.61% 3.40% 32.4% 2.97% 3
Slide 47: Appendix
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Slide 48: Riyad Bank Contact
Appendix Riyad Bank Contact Contact the investor relations for more information Investor Relations Contact Riyad Bank Head Office Visit our website for more information and to access our disclosures @®) 96611 401 3030 Ext. 3502 EX] sinvestor.relations@riyadbank.com © _ RiyadBank Tower King Abdullah