Riyad Bank (1010) Investor presentation summary

Profile and market position

• Third largest bank in Saudi Arabia with a strong domestic presence and international branches in Houston, London, and soon China and Singapore.

• Total assets reached 537bn SAR, with 7,130 employees, 30% of whom are female.

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

• Market capitalization stands at 86.76bn SAR, with 87.2% domestic ownership.

Strategic direction and achievements

• 2025 strategy focused on profitability, efficiency, customer experience, and digital innovation, resulting in strong returns and improved cost-to-income ratio.

• Total assets grew at an 11% CAGR from 2020 to 2025, with net income up 17% and ROE rising to 16.9%.

• 2030 strategy aims to become the most innovative bank in KSA, emphasizing digital-first operations, customer growth, and sustainability.

Sustainability and ESG initiatives

• Committed to net zero financed emissions by 2060 and net zero operations by 2035.

• 98% of employees completed ESG training; women represent 29.9% of workforce and 11.4% of leadership.

• Issued USD 1bn in Tier-2 sustainable bonds and surpassed 20bn SAR sustainable finance target by 2025.

• ESG scores improved across Bloomberg, MSCI, and S&P Global; active in national and international sustainability partnerships.