Slide 1: Earnings Presentation FY 2024
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Slide 2: FY 2024 Performance Highlights
FY 2024 Performance Highlights Strong Performance +17% 3.40% +16% 16.6% p q p p Healthy & resilient 0.98% 167.1% 18.9% 84.3% financial position Good progress on refreshed strategy General Business
Slide 3: Strategy Update
Strategy Update Riyad Bank- Earnings Presentation - 12/02/25 General Business
Slide 4: Our ambition is to be the best Bank in KSA
Our ambition is to be the best Bank in KSA Most Profitable Most Efficient Bank of Choice Most Innovative & Digitally Enabled General Business
Slide 5: Strong progress across strategic pillars driving sustained business growth
Strong progress across strategic pillars driving sustained business growth and paving the way for future success Bank of Choice General Business
Slide 6: Introduction of Wholesale Banking into the organizational structure
Introduction of Wholesale Banking into the organizational structure has played a key role in driving the strong performance during the year Bank of Choice General Business
Slide 7: FY 2024 Financial Performance
i FY 2024 Financial Performance Riyad Bank- Earnings Presentation - 12/02/25 General Business
Slide 8: Strong growth in profitability supported by operating income growth
Strong growth in profitability supported by operating income growth, improved efficiencies and asset quality p p +16% +17% +16% p +21% +4% p +6% 145.0% 84.3% 16.4% 18.9% General Business
Slide 9: Solid balance sheet expansion driven by growth in loans and investments
Solid balance sheet expansion driven by growth in loans and investments 177 p 11.1 21.5% General Business
Slide 10: Funded by a mix of IBs and NIBs with comfortable liquidity
Which was funded by a mix of IBs and NIBs with overall liquidity position remained comfortable leaving ample room for growth q q 107.0% 145.0% 84.3% 104.5% General Business
Slide 11: NSCI witnessed a decent growth driven by volume growth
NSCI witnessed a decent growth driven by volume growth, improved asset yield and cost of fund management General Business
Slide 12: Neutral sensitivity to the interest rate changes
Neutral sensitivity to the interest rate changes ◆ ◆ ◆ q q ◆ -25.3 SAR mn -0.01% 175 179 General Business
Slide 13: Fee & other income increased from strong growth in fees
Fee & other income increased from a strong growth in fees from banking services, FX income and investment related income 2,991 General Business
Slide 14: Cost efficiency continues to improve despite ongoing investments
Cost efficiency continues to improve despite ongoing investments in infrastructure, digital capabilities, and strategic initiatives 52% General Business
Slide 15: Proactive risk management resulted in improved cost of risk
Proactive risk management, higher recoveries and robust asset quality resulted in improved cost of risk p 167.1% 0.32% 17.0% 50.3% p p p General Business
Slide 16: Together these factors drove the outstanding growth in profitability
Together these factors drove the outstanding growth in profitability p 17,285 p 11,999 General Business
Slide 17: Supporting healthy capitalization well above regulatory minima
Supporting healthy capitalization well above regulatory minima General Business
Slide 18: The momentum in strategic execution fuels an optimistic outlook for 2025
The momentum in strategic execution fuels an optimistic outlook for 2025 General Business
Slide 19: Q&A
Q&A Riyad Bank- Earnings Presentation - 12/02/25 19
Slide 20: Appendix
Appendix Riyad Bank- Earnings Presentation - 12/02/25 General Business
Slide 21: Contact the investor relations for more information
Contact the investor relations for more information General Business
Slide 22: Disclaimer
Disclaimer General Business