Investor Presentation
Capitalization
Profile / Strategy / Sustainability / Environment / Financials / Appendix
Stable capitalization well above regulatory minima supporting further growth
Total Regulatory Capital Movement YTD (SARbn)
6.1
65.4
+3%
(0.3)
(3.9)
Risk Weighted Assets (SARbn)
+5%
308.4
310.4
312.7
321.0
325.1
0.0
67.3
6.6
20.7
5.2
21.4
8.9
13.8
8.3
13.5
7.1
13.5
281.2
283.8
290.0
QoQ
+1%
+1%
4Q-22
Net income
Tier 1 sukuk
cost
Dividends paid
Other
3Q-23
3Q-22
4Q-22
Credit risk
1Q-23
Operational risk
Capital Ratios (%)
21.1%
20.7%
20.8%
20.7%
Total Capital (SARbn)
+3%
19.1%
65.4
64.8
66.8
67.3
58.8
18.1%
17.8%
17.9%
17.6%
9.3
9.2
9.3
10.1
9.3
16.0%
15.1%
♦ 15.9%
♦ 15.7%
♦ 15.9%
15.6%
56.0
55.6
57.5
57.2
49.5
QoQ
+11%
-1%
+3%
+1%
3Q 22
4Q 22
CAR
1Q 23
Tier 1 ratio
2Q 23
3Q 23
CET1 ratio
3Q-22
4Q-22
1Q-23
Total tier 1 capital (T1)
2Q-23
Tier 2 capital (T2)
3Q-23
Riyad Bank - Investor Presentation - 30/09/23
299.3
304.5
+3%
+1%
2Q-23
3Q-23
■Market risk
All capital ratios remain solid and strong with CET 1 ratio of
15.6% and Tier 1 ratio of 17.6% as of 3Q 2023.
Total capital adequacy ratio stands at 20.7%.
Total capital increased by 3% YTD during 9 month of 2023 to
SAR 67.3 bn.
Risk weighted assets increased by 5% YTD to SAR 325.1 bn.
General Business
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