Riyad Bank is a Saudi Arabia-based joint stock company operating in the banking and finance sector in compliance with Islamic Sharia. Its main activities are offered through three segments: personal banking, corporate banking and treasury and investment. Personal banking offers services, like current accounts, savings accounts, time deposits, credit cards, loans and borrowings. Its corporate segment provides business banking solutions, such as direct debit solutions, cash management, transfer solutions, online corporate banking, short and long term financing services, transfers and payroll solutions. It is Saudi Arabia's 3rd largest Bank by market capitalisation.

Website	http:// www.riyadbank.com
Physical Address	King Abdul Aziz Road , PO Box 22622 , Riyadh 11416 , Saudi Arabia
Phone	3030-401-1-966
Fax	2707-404-1-966
Email	abdullah.al-shehri@riyadbank.com

Classification Level	Name of Sector
Economic Sector	Financials
Business Sector	Banking & Investment Services
Industry Group	Banking Services
Industry	Banks

In the past 4 years, Income Tax as % of sales increased from 6.0% to 6.2% and Income Tax as % of operating cash flow increased from 9.6% to 9.7%.

Description	2024	2023	2022	2021
As % of profit before tax	10.3	10.3	10.3	10.3
As % of operating cash flow	9.7	9.6	9.7	9.6
As % of sales	6.2	5.8	5.9	6

In the past 5 years annual dividends have increased by 70.0 hallalah from 100.0 hallalah to 170.0 hallalah. Based on a start date of 5 years ago, there has been two decline in dividends over the last 5 years.

Date	Value ( hallalah)	Type
14 Apr 2025	90	Cash
12 Aug 2024	80	Cash
Tr 12 Months	170
2023 - 2024	65
2022 - 2023	115
2021 - 2022	54
2020 - 2021	100

Top Management [Five top executives with tenure > 5 yrs]

Name	Designation	Since Appointment
Tareq A. Al Sadhan	Chief Executive Officer	6 Yrs, 3 Mos
Abdullah Mohammed Al-Issa	Non-Executive Chairman	5 Yrs, 9 Mos
Abdullah Ali Al-Oraini	Chief Financial Officer	6 Yrs, 6 Mos
Enji Ahmed Al Ghazzawi	Chief Operating Officer	-
Abdulaziz Abdullah Al Asker	Chief Risk Officer	-

Board Of Directors [Eight directors with tenure > 9 yrs]

Name	Designation	Since Appointment
Ibrahim Hassan Sharbatly	Independent Director	9 Yrs, 6 Mos
Abdul Rahman Ismail Tarabzoni	Independent Director	-
Mona Mohammed Al-Taweel	Independent Director	-
Jamal Abdul-Karim Al-Rammah	Independent Director	-
Yassir Abdullah Al-Salman	Non-Executive Director	-
Hani Abdullah Al-johani	Non-Executive Director	-
Omar Hamad Al-Madhi	Non-Executive Director	-
Nader Ibrahim Al-Wehibi	Non-Executive Director	-

Tareq A. Al Sadhan
CEO
Tareq Al Sadhan joined Riyad Bank in 2018 as a Senior Executive Vice President and the Chief Financial Officer. His appointment as President & Chief Executive Officer was issued by Riyad Bank's Board of Directors resolution on 01/04/2019.
Al Sadhan started his career with KPMG Saudi Arabia where he spent 18 years progressing through the ranks to became one of the youngest Partners in the history of KPMG. During his last five years at the company, he served as the CEO/Managing Partner and the Chairman of the Advisory Committee.
Prior to joining Riyad Bank, he served in the public sector in Saudi Arabia and held roles such as Advisor to the Chairman in the Saudi Fund for Development (SFD), Acting Director General at the General Authority for Zakat and Tax (GAZT), and Deputy Governor for Supervision at the Saudi Central Bank (SAMA).
Al Sadhan is an active member of various external organizations and holds a number of memberships as well as Board roles throughout his career. He is a member of the 2020 World Economic Forum's Stewardship Board for the Middle East and North Africa. He is also a Fellow of the American Institute of Certified Public Accountants (AICPA) and the Saudi Organization for Certified Public Accountants (SOCPA).
Al Sadhan holds a master's degree in Business Management from Ecole National des Ponts et Chaussees in France and received his bachelor's degree in Administration Science from King Saud University, majoring in Accounting.

Shareholder Value:
Creation of shareholder value in Riyad Bank:
Date of appointment: April 01, 2019
In the last 5 years the average annualized return to shareholders was 19.8%. The present value of SAR1,000 (PV1000) invested 5 years ago is now SAR2,471, a gain of SAR1,057 and dividend reinvested of SAR414.


Abdullah Mohammed Al-Issa
Non-Executive Chairman
Member of the Board of Directors of Riyad Bank since 2007 and has been the Chairman of Riyad Bank since October 2016. He holds a Bachelor's degree in Industrial Engineering and a Master's degree in Engineering Management from Southern Methodist University, USA, with extensive experience in management, investment and banking.
Mr. Al-Issa is currently the Chairman of the Board of Directors of Dur Hospitality Co., and Assila Investments, the Vice Chairman of Etihad Etisalat Co. (Mobily) and Clariant Co. (Switzerland), and the Chairman of the Board of Directors of Abdullah Mohammed Al-Issa Office (Consultant Engineers).
He is also a member of the Board of Directors of various companies, including Saudi Basic Industries Corp. (SABIC).

Shareholder Value:
Creation of shareholder value in Riyad Bank:
Date of appointment: October 09, 2019
In the last 5 years the average annualized return to shareholders was 19.8%. The present value of SAR1,000 (PV1000) invested 5 years ago is now SAR2,471, a gain of SAR1,057 and dividend reinvested of SAR414.


Abdullah Ali Al-Oraini
CFO
Abdullah Al-Oraini joined Riyadh Bank as its Chief Financial Officer in 2019. His 16+ years of experience stems from diversified work engagements at the local and international banking sector to include MENA countries, such as UAE, Oman, and Egypt where he worked on mega projects concerning strategic financial and performance management, investor relations, capital and asset liability management, and mergers and acquisitions.
Prior to joining Riyad Bank, Al-Oraini held leadership positions at various banks, including Chief Financial Officer of AlAwwal Bank (formally known as Saudi Hollandi Bank), Head of Reporting, Asset and Liability Management and Investor Relations Department at the Saudi British Bank (SABB), Head of Capital and Liquidity Management at the National Commercial Bank (NCB).
Al-Oraini currently serves as the Chairman of Chief Financial Officers Committee at the Saudi Arabian Monetary Authority (SAMA) and Board Member and Chairman of Audit Committee at Riyad Capital and as an Active Member of several committees.
Al-Oraini holds a master's degree in Management Sciences from the University of Waterloo in Canada and a bachelor's degree in Science in Electrical Engineering from King Fahd University of Petroleum and Minerals.

Shareholder Value:
Creation of shareholder value in Riyad Bank:
Year of appointment: 2019
In the last 5 years the average annualized return to shareholders was 19.8%. The present value of SAR1,000 (PV1000) invested 5 years ago is now SAR2,471, a gain of SAR1,057 and dividend reinvested of SAR414.



Ibrahim Hassan Sharbatly
Independent Director
Member of the Board of Directors of Riyad Bank since 2016. He holds a Bachelor's degree in Business Administration from College of Commerce, Bristol UK, with extensive experience in business, investment and real estate development.
Mr. Sharbatly is currently the Chairman of the Board of Directors of the First Group International Company, and the Vice Chairman of Al-Nahla Group and the Saudi Arabian Marketing & Agencies Company Ltd (SAMACO), Al-Ameen Distinctive, Fast Auto Technic (Fast), and Jeddah Holding Company. He holds various executive and board membership positions in several companies.

Shareholder Value:
Creation of shareholder value in Riyad Bank:
Year of appointment: 2016
In the last 5 years the average annualized return to shareholders was 19.8%. The present value of SAR1,000 (PV1000) invested 5 years ago is now SAR2,471, a gain of SAR1,057 and dividend reinvested of SAR414.


Nader Ibrahim Al-Wehibi
Non-Executive Director
Member of the Board of Directors of Riyad Bank since 2011, representing General Organization for Social Insurance. He holds a Bachelor's degree with honors in Insurance and risk management from Indiana State University, USA, and a Master's degree in Social Protection Policies from Maastricht University, The Netherlands, with extensive experience in corporate planning and development.
Mr. Al-Wehibi is currently the Governor Assistant for Insurance Affairs at the General Organization for Social Insurance and a member of the Board of Directors at various companies, including Saudi Basic Industries Corp. (SABIC), Clariant Co. (Switzerland) & Mudad Company.

ADVT: Average Daily Volume of shares Traded
Annual Return: Dividends Paid In a 12-Month Period/Price at the Beginning of the Period + Capital Gain or Loss over 1 Year/Price 1 Year Ago (%)
Current Ratio: Current Assets/Current Liabilities (times)
Dividend Yield: Dividend Per Share/Share Price (%)
Earnings Yield: Earnings Per Share/Share Price (%)
Income during the n years (3/2/1): Dividends received during the Period
Moving Average Price (n periods): Sum of Prices for each Period/Number of Periods
PCP: Previous Corresponding Period
PV1000: Present value of 1000 invested 1 year/'n' years ago
Price Close/Moving Avg Price: Latest Price/Moving Average Price
Price/Earnings: Share Price/Earnings Per Share (times)
Price/NTA: Closing Share Price/Net Tangible Assets Per Share (times)
Relative Price Change [RPC]: Relative price change is price change of stock with respect to Benchmark Index
Relative Strength (6 Months): Price close today/Price close 6 months ago, then ranked by percentile within the entire market.
Return on Assets: Net Profit/Total Assets (%)
Return on Equity (Shareholders' Funds): Net Profit/Net Assets (%)
TSR: Total Shareholder Returns is expressed as an annualized rate of return for shareholders after allowing for capital appreciation and dividend
TTM: Trailing 12 Months
Volume Index (VI): Number of shares traded in the period/Average number of shares traded for the period
Volume Weighted Average Price (VWAP): The Volume Weighted Average Price (VWAP) is the summation of turnover divided by total volume in the same period.

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