Riyad Bank (1010) Investor presentation summary

Profile and market position

• Third largest bank in Saudi Arabia with assets of 534bn SAR and a strong domestic presence, including international offices in Houston, London, and soon China and Singapore.

• Maintains top-three market share across retail, corporate, treasury, and investment banking segments.

• Shareholder base is predominantly domestic (87.2%), with a market capitalization of 79.6bn SAR as of June 2026.

• Rated A/A1/A- by S&P, Moody's, and Fitch, all with stable outlooks.

• Cost-to-income ratio improved to 29.2% and Tier 1 capital ratio stands at 16.7%.

Strategic direction and achievements

• 2025 strategy focused on profitability, efficiency, customer experience, and digital innovation, resulting in strong returns and operational improvements.

• Total assets grew at an 11% CAGR from 2020 to 2025, with net income up 17% CAGR over the same period.

• 2030 strategy aims to become the most innovative bank in KSA, emphasizing digital-first operations, sustainable growth, and advanced AI integration.

• Four strategic pillars: strong shareholder value, customer and employee delight, digital leadership, and sustainability.

Sustainability and ESG initiatives

• Achieved net zero financed emissions target for 2030 ahead of schedule; new target set at 60bn SAR in sustainable finance by 2030.

• Published Sustainable Finance and Transition Finance Frameworks, with strong alignment to ISSB standards.

• Women represent 29.9% of workforce and 16% of leadership roles; ongoing diversity and inclusion initiatives.

• Recognized with multiple ESG awards and improved ESG ratings from Bloomberg, S&P, and MSCI.