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Riyad Bank (1010) investor relations material
Riyad Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Achieved strong Q2 and 1H 2025 results, with all key performance indicators ahead of or within targets, and net income up 15% year-over-year to SAR 5.08 billion.
Total assets rose 9% year to date, reaching SAR 491 billion as of 30 June 2025.
Strategic initiatives in cross-selling, credit card expansion, and environmental financing contributed to business growth.
Maintained a healthy and resilient financial position, with strong capitalization and comfortable liquidity.
Initiated development of a new five-year strategy, targeting growth, efficiency, and digital innovation.
Financial highlights
Net income increased 15% year over year to SAR 5.08 billion; return on equity up 90 bps to 17%.
Total assets reached SAR 491 billion (+9% YTD); net loans SAR 355 billion (+11% YTD); customer deposits SAR 418 billion (+3% YTD).
Cost to income ratio improved to 30%, reflecting ongoing efficiency gains.
NPL ratio at 1.13% with coverage at 135%; cost of risk reduced to 36 bps.
Fee and commission income, net, increased to SAR 1.67 billion from SAR 1.43 billion year-over-year.
Outlook and guidance
Upgraded loan growth guidance to mid-teens, supported by strong corporate and SME demand.
ROE expected above 17%, cost to income ratio targeted below 30.5%.
Interim dividends of SAR 2,543 million at SAR 0.85 per share declared in July 2025.
Cost of credit risk expected to normalize between 30–40 bps; Tier 1 capital ratio to remain above 15%.
Anticipates seasonality and repayments in H2, with some NII support from reversals of suspended interest.
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