Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — H1 2025 Earnings Presentation
26 slides from Saudi Investment Bank's earnings presentation, Aug 7, 2025
Slide 1: Earnings Presentation 1H 2025
Earnings Presentation 1H 2025 7 August 2025 The Saudi Investment Bank – 2Q 2025 Earnings Presentation
Slide 2: Contents
Contents Performance Highlights 3 Strategy 5 Financial Performance 10 Guidance 22 Q&A 24 The Saudi Investment Bank – 2Q 2025 Earnings Presentation
Slide 3: Top 8 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 4: Growth momentum sustained in 1H 2025 demonstrating solid progress
Growth momentum sustained in 1H 2025 demonstrating solid progress Loans (¥ bn) Net Income (¥ mn) Net Income grew by 9% YoY to 90.6 99.5 108.4 Solid balance sheet 929 1,028 1,016 ¥1,016 mn, driven by top-line expansion, driven by 9%YTD growth and lower risk cost +9% YTD increase in loans +9% YoY ROE
Slide 5: Strategy
Strategy The Saudi Investment Bank – 2Q 2025 Earnings Presentation
Slide 6: 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 7: 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 8: 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 9: ...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 10: Financial Performance
Financial Performance 1H 2025 The Saudi Investment Bank – 2Q 2025 Earnings Presentation
Slide 11: 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 12: 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 13: 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 14: 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 15: 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 16: 9% growth in 1H 2025 earnings driven by increased operating income and lower risk cost
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 17: NSCI grew 4% YoY as 21% growth in average earning assets was partly offset
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 18: Growth in fee and other income of 12% driven by foreign exchange income and fee income
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 19: 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 20: 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 Cost of risk decreased 9 bps YoY to 0.24% in 1H COR: 0.30% - 0.35% 2025 NPL ratio decreased by 9
Slide 21: 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 22: Guidance
Guidance The Saudi Investment Bank – 2Q 2025 Earnings Presentation
Slide 23: 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 24: Q&A
Q&A The Saudi Investment Bank – 2Q 2025 Earnings Presentation
Slide 25: 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 26: 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 Earnings Presentation P. 26
The Saudi Investment Bank — H1 2025 Earnings Presentation on 6ix