Slides
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Saudi Awwal Bank 2Q26 Earnings call presentation
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2PUBLIC ◆ ◆ ◆ ◆ ◆ ◆ SAR ◆ ◆ SAR SAR ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆
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PUBLIC ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ SAR ◆ ◆ ◆ ◆ ◆ ◆
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5PUBLIC SAR ▼ ▼ ▲ ▲ ▲ ▲ ▼ ▼ ▲ ▼ ▼ ▼ ▼ ▼ ▼ ▲ ▲ ▲ ▼ ▼ ▼ ▲ ▲ ▲ ▼ ▼ ▲ ▼ ▲ ▲ ▼ ▼ ▲ ▲ ▲ ▼ ▼ ▼ ▼ ▼ ▼ ▼ ▲ ▲ ▲ ▲ ▲ ▲ ▼ ▼ ▲ ▲ ▲ ▲ ▲ ▲ ▼ ▲ ▲ ▼
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6PUBLIC SAR ◆ ◆ ◆ 1. Reclassification from fee to special commission income, applied retrospectively to 2021 for comparability. SAR 1Q25 2Q25 3Q25 4Q25 1Q26 2,503 2,503 2,491 2,406 2,268 2Q26 2,616 +15% 1Q25 2Q25 3Q25 4Q25 1Q26 713 737 559 730 707 2Q26 755 +7% 1Q25 2Q25 3Q25 4Q25 1Q26 300 329 361 401 556 2Q26 203 -64% 1Q25 2Q25 3Q25 4Q25 1Q26 104 101 152 100 93 2Q26 92 0%
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7PUBLIC SAR SAR SAR
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8PUBLIC SAR ◆ SAR SAR 1. Reclassification from fee to special commission income, applied retrospectively to 2022 for comparability. SAR ◆ ◆ ◆ ◆ ◆
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9PUBLIC SAR SAR SAR ✓ SAR
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10PUBLIC SAR SAR Purchased or originated credit impaired
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11PUBLIC SAR SAR
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12PUBLIC SAR SAR SAR 10% SAR 1. As at 31 March 2026
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13PUBLIC SAR SAR 24% 29% 18% 1. Excluding SAB invest portfolio of SAR1.7bn
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14PUBLIC SAR
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15PUBLIC 1. During 3Q25, SAB has revalued a small number of equity investments, which has resulted in a SAR1.2bn restatement of equity. 2023 and 2024 RoTE has been restated to provide a comparative
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16PUBLIC 1. NIM has been improved by the reclassification from fee to special commission income, applied retrospectively to 2021 for comparability 2. Post AT1 coupon payment. 3. During 3Q25, SAB has revalued a small number of equity investments, which has resulted in a SAR1.2bn restatement of equity. 2023 and 2024 RoTE and CET1 has been restated to provide a comparative ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆
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PUBLIC الأول الأول الأول SAR SAR
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PUBLIC
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PUBLIC ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆
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PUBLIC