At a Glance Investment Case Year in Review

Board Chair's Statement Managing Director's Message Chief Financial Officer’s Review

Business Model Strategy Innovation

ESG in Focus Financial Statements

العربية

Overview

At a Glance Investment Case Year in Review

Board Chair's Statement Managing Director's Message Chief Financial Officer’s Review

Strategic Review

Business Model Strategy Innovation

ESG in Focus

Financial Statements

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Awards
About SAB
A Joint History of Over 160 Years
At a Glance

01

Bank Profile

Theme of the Year
Year in Review
SAB and Vision 2030
Investment Case
Shareholders' Information
Stakeholder Management
Risk Overview

02

Strategic Report

Board Chair's Statement
Managing Director's Message
Business Model
Strategy
Innovation
SAB's Unique Differentiation
Customer Experience
Market Overview
Chief Financial Officer's Review
Operating Review
Capital Overview
Supporting MSMEs

03

ESG in Focus

Environmental, Social and Governance at SAB

04

Governance

The Board of Directors ('the Board')
Biographies of Board Members
Biographies of Executive Management
Changes to the Board during 2024
Board Committees
Risk Governance
Internal Controls
Board Assurance
Related Parties
SAB General Meetings
Directors' and Senior Executives' Interests
Remuneration
Legal Entity Structure
Appointment of External Auditors
Debt Securities in Issue and Other Borrowings
Statutory Payments
Penalties

05

Financial Statements

Independent Auditors' Report
Consolidated Statement of Financial Position
Consolidated Statement of Income
Consolidated Statement of Comprehensive Income
Consolidated Statement of Changes in Equity
Consolidated Statement of Cash Flows
Notes to the Consolidated Financial Statements

Investor Relations Department
Mailing Address: P.O Box 9084 Riyadh 11413
National Address: 7383 King Fahad Branch Rd, 2338 Al Yasmeen Dist., 13325 Riyadh,
Kingdom of Saudi Arabia
E-mail: investor-relations@sab.com
Phone: 8001248888