Riyad Bank (1010) Investor presentation summary

2025 financial performance

• FY 2025 net income reached SAR 10,411mn, up 12% YoY; total operating income rose 6% to SAR 18,381mn and ROAE was 16.9%.

• Total assets reached SAR 519.5bn, up 15% YTD; net loans grew 17% to SAR 373.3bn, investments 13% to SAR 79.5bn and customer deposits 8% to SAR 331.7bn.

• NSCI increased 2% YoY to SAR 13,072mn; fee and other income rose 20% to SAR 5,310mn, including 16% growth in banking services income.

Earnings quality and efficiency

• Cost-to-income ratio improved 100bps YoY to 29.6%; operating expenses before impairments rose 3% to SAR 5,433mn.

• Impairment charges declined 16% YoY to SAR 1,374mn; cost of credit risk improved 14bps to 0.39% for FY 2025.

• Net special commission margin was 2.88% for FY 2025, down 52bps YoY; quarterly margin improved 15bps sequentially.

Asset quality, liquidity and capital

• NPL ratio improved 19bps YoY to 0.79% at 31 December 2025, with NPLs down 7% YoY; NPL coverage stood at 150.1%.

• LCR was 146.8%, NSFR 109.2% and SAMA weighted LDR 81.8% at year-end; all were presented alongside regulatory requirements.

• Year-end CET1, Tier 1 and total capital ratios were 13.6%, 16.0% and 18.4%, respectively; regulatory capital rose 11% YoY to SAR 86.7bn.