Riyad Bank announces its Interim Financial Results for the Period Ending on 2025-09-30 ( Nine Months )

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Total Income From Special Commission of Financing	6,301,856	5,548,283	13.582	5,831,581	8.064
Total Income From Special Commission of Investment	741,482	651,580	13.797	736,231	0.713
Net Income From Special Commission of Financing	2,985,309	2,945,831	1.34	2,893,724	3.164
Net Income From Special Commission of Investment	199,131	347,526	-42.7	305,928	-34.909
Total Operations Profit (Loss)	4,693,315	4,544,895	3.265	4,520,131	3.831
Net Profit (Loss) before Zakat and Income Tax	2,996,231	2,959,213	1.25	2,895,104	3.493
Net Profit/(Loss)	2,687,401	2,654,086	1.255	2,596,620	3.496
Total Comprehensive Income	2,939,049	3,230,161	-9.012	2,765,412	6.278
Total Operating Expenses Before Provisions for Credit and Other Losses	1,367,405	1,307,397	4.589	1,325,888	3.131
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	336,003	286,021	17.474	309,464	8.575
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Total Income From Special Commission of Financing	17,789,766	15,811,164	12.513
Total Income From Special Commission of Investment	2,171,940	1,863,180	16.571
Net Income From Special Commission of Financing	8,842,370	8,511,566	3.886
Net Income From Special Commission of Investment	824,204	929,241	-11.303
Total Operations Profit (Loss)	13,717,087	12,629,893	8.608
Net Profit (Loss) before Zakat and Income Tax	8,663,113	7,876,587	9.985
Net profit (Loss)	7,770,028	7,064,512	9.986
Total Comprehensive Income	8,387,267	7,718,663	8.662
Assets	507,566,031	433,817,127	16.999
Investments	74,262,510	66,588,530	11.524
Loans And Advances Portfolio (Financing And Investment)	368,554,119	305,407,515	20.676
Clients' deposits	325,412,738	293,574,732	10.844
Total Shareholders Equity (after Deducting Minority Equity)	61,569,601	57,028,323	7.963
Total Operating Expenses Before Provisions for Credit and Other Losses	4,072,177	3,877,953	5.008
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	1,007,190	897,209	12.258
Profit (Loss) per Share	2.46	2.27
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Amount	Percentage of the capital (%)
Profit (Losses) Resulting From The Change In Investment Propertie’s Fair Value	-	-
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Explanation
The reason of the increase (decrease) in special commission income during the current quarter compared to the same quarter of the last year is	The special commission income increased by 13.6% due to an increase in special commission income from loans and advances, due from banks, and investments.
The reason of the increase (decrease) in the net profit during the current quarter compared to the same quarter of the last year is	Net income increased by 1.3% mainly due to an increase in total operating income and partially offset by an increase in total operating expenses.

Total operating income increase was due to an increase in fee and commission income, net, gains on disposal of non-trading investments, net, and trading income, net, partially offset by decrease in net special commission income, exchange income, dividend income, other operating income.

Total operating expenses increase was due to an increase in other general and administrative expenses, impairment charge for credit losses, net, Impairment charge for investments, net, salaries and employee-related expenses, other operating expenses, and depreciation of property, equipment and right of use assets, partially offset by decrease in rent and premises-related expenses, impairment charge for other financial assets, net.The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current quarter compared to the same quarter of the last year is Net provision of expected credit losses and other losses increased by 17.5% mainly due to higher impairment charge of credit losses, net, impairment charge for investments, net, partially offset by a decrease in impairment charge in other financial assets, net.The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is The special commission income increased by 7.2% due to an increase in special commission income from loans and advances, due from banks, and investments.The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is Net income increased by 3.5% mainly due to an increase in total operating income and a decrease in total operating expenses.

Total operating income increase was due to an increase in fee and commission income, net, gains on disposal of non-trading investments, net, trading income, net, dividend income, partially offset by a decrease in other operating income, net, special commission income, and exchange income, net.

The total operating expenses increase was due to an increase salaries and employee related expenses, impairment charge for credit losses, net, other operating expenses, depreciation of property, equipment and right of use assets, impairment charge for other financial assets, net, and impairment charge for investments, net, partially offset by a decrease in other general and administrative expenses, and rent and premises related expense.The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current quarter compared to the previous quarter is Net provision of expected credit losses and other losses increased by 8.6% mainly due to higher impairment charge for credit losses and other financial assets, net, and impairment charge for investments, net.The reason of the increase (decrease) in special commission income during the current period compared to the same period of the last year is The special commission income increased by 12.9% due to an increase in special commission income from loans and advances, due from banks, and investments.The reason of the increase (decrease) in the net profit during the current period compared to the same period of the last year is Net income increased by 10.0% mainly due to an increase in total operating income and partially offset by an increase in total operating expenses.

Total operating income increase was due to an increase in fee and commission income net, trading income, net, net special commission income, gains on disposal of non-trading investments, net, and other operating income, partially offset by decrease in exchange income, net, and dividend income.

Total operating expenses increase was due to an increase in impairment charge for other financial assets, other general and administrative expenses, depreciation of property, equipment and right of use assets, salaries and employee-related expenses, other operating expenses, rent and premises-related expenses, partially offset by a decrease in impairment charge for credit losses, net, and impairment charge for investments, net.The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current period compared to the same period of the last year is Net provision of expected credit losses and other losses increased by 12.3% due to higher impairment charge for other financial assets, net, partially offset by a decrease in impairment charge of credit losses, net, and impairment charge for investments, net.Statement of the type of external auditor's report Unmodified ConclusionComment mentioned in the external auditor’s report, mentioned in any of the following paragraphs (other matter, conservation, notice, disclaimer of opinion, or adverse opinion) N/AReclassification of Comparison Items NoneAdditional Information Investments and other reserves balances for the comparative period (30 September 2024) have been restated.

Basic and diluted earnings per share for the nine-month period ended 30 September 2025 are calculated on a weighted average basis by dividing the net income adjusted for Tier 1 sukuk costs for the period, by 2,993 million shares (30 September 2024: 2,995 million shares), after excluding treasury shares.

The Capital Market Authority and Saudi Exchange take no responsibility for the contents of this disclosure, make no representations as to its accuracy or completeness, and expressly disclaim any liability whatsoever for any loss arising from, or incurred in reliance upon, any part of this disclosure, and the issuer accepts full responsibility for the accuracy of the information contained in it and confirms, having made all reasonable enquiries, that to the best of their knowledge and belief, there are no other facts or information the omission of which would make the disclosure misleading, incomplete or inaccurate.