Saudi Investment Bank · TADAWUL:1030
Saudi Investment Bank — The Saudi Investment Bank — FY2025 Earnings Presentation
26 slides from Saudi Investment Bank's earnings presentation, Feb 16, 2026
Slide 1: Earnings Presentation FY 2025
The picture can't be displayed. Earnings Presentation FY 2025 16 February 2026 The Saudi Investment Bank – FY 2025 Earnings Presentation
Slide 2: Contents
Contents Performance Highlights 3 Strategy 5 Financial Performance 10 Guidance 22 Q&A 24 The Saudi Investment Bank – FY 2025 Earnings Presentation
Slide 3: 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 4: 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 5: Strategy
Strategy The Saudi Investment Bank – FY 2025 Earnings Presentation
Slide 6: 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 7: 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 Bnaking Build differentiated value Strategic s
Slide 8: 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 9: 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 10: Financial Performance
Financial Performance FY 2025 The Saudi Investment Bank – FY 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 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 12: Balance sheet momentum from growth in financing and investments, funded by deposits
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 13: 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 14: 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 15: 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 16: 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 17: 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 18: 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 19: 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 20: 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 21: 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 22: Guidance
Guidance The Saudi Investment Bank – FY 2025 Earnings Presentation
Slide 23: FY 2025 financial results provided a strong foundation for setting ambitious goals
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 24: Q&A
Q&A The Saudi Investment Bank – FY 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 – FY 2025 Earnings Presentation P. 26
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