The Saudi Investment Bank (1030) investor relations material

Executive summary

• Nine-month net income was SAR 1,557,922 thousand, versus SAR 1,534,188 thousand; net operating income reached SAR 1,736,368 thousand, versus SAR 1,689,655 thousand.

• At September 30, 2026, loans and advances, net, were SAR 119,035,507 thousand and customer deposits SAR 120,761,216 thousand.

• Independent auditors concluded that nothing came to their attention indicating the interim statements were not prepared, in all material respects, in accordance with IAS 34.

Financial highlights

• Q3 total operating income was SAR 1,049,246 thousand versus SAR 1,045,974 thousand; net income was SAR 507,241 thousand versus SAR 518,408 thousand.

• 9M net special commission income was SAR 2,705,371 thousand versus SAR 2,653,414 thousand; net fee income was SAR 289,741 thousand versus SAR 272,838 thousand.

• 9M impairment charge for credit and other losses was SAR 181,953 thousand versus SAR 186,170 thousand; total operating expenses were SAR 1,475,485 thousand versus SAR 1,476,485 thousand.

• 9M income before Zakat was SAR 1,811,537 thousand versus SAR 1,783,939 thousand; net income attributable to equity holders was SAR 1,557,538 thousand versus SAR 1,534,188 thousand.

• 9M operating cash flow was SAR 5,748,285 thousand versus SAR 4,871,152 thousand; cash and cash equivalents ended the period at SAR 9,440,052 thousand.

Outlook and guidance

• Revised useful lives and a 5% residual value for own-use buildings are expected to reduce depreciation and amortization by SAR 46.8 million annually; Q3 expense was lower by SAR 11.7 million.

• IFRS 18 adoption is expected to change presentation and disclosures; total profit and total equity are not expected to change, based on the assessment to date.