#1بنك الرياض riyad bank 西 Results Presentation Q1 2021 Earnings Call Tareq Al Sadhan, Chief Executive Officer Abdullah Al Oraini, Chief Financial Officer Riyadh, 6 May 2021 25 General Business Riyad Bank Results Presentation - Q1 2021 riyadbank.com 92 000 1816 fyin#2Riyad Bank at glance Riyad Bank is the Third Largest Bank in Saudi Arabia Q1 2021 Key Metrics Third Largest Bank in Saudi Arabia Riyad Bank Presence SAR 308 bn in Assets SAR 341 Branches 196 bn in Loans, Net 2,452 ATMs SAR ge 198 bn in Deposits 101,951 POS Ratings SAR 2.8 bn in Operating Income SAR 99 1.4bn in Net Income BBB+ S&P BBB+ Fitch A+ CI SAR London 1 Branch MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Houston 1 Agency H.O in Saudi Arabia, Riyadh 341 Licensed Branches Shareholder mix Others 22% Retail, 33% 35% Foreign Net Income after Zakat (SARmn) 1Q 2021 Operating Income Mix by Segment Riyad Capital, 7% -8% 1,476 1,354 Treasury & Investments, 21% SAR 2.8bn Corporate, 39% Q1-20 Results Presentation - Q1 2021 Q1-21 9% 8% 9% Assila Investments General Business PIF Singapore 1 Rep Office GOSI 17% AINahla Group بنك الرياض riyad bank 2#3Strategy Overview Management Highlights Q1 2021 Snapshot Strategy MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Activated a new phase of the transformation 2025. Value through innovation. - Enablement through next gen operating model. Efficiency through digitization. Financial Performance ■ Net loans grew by 7.5% YoY to SAR 196 billion. Total Deposits grew by 3.0% YoY to SAR 199 billion. ■ Total Operating Income decreased by 2.1% YoY to SAR 2,824 million. Efficiency ratio reached 34.8%. Net Operating income before Impairments and Zakat decreased by 6.4% YoY to SAR 1,842 million. Net Income decreased by 8.3% YoY to SAR 1,354 million. Asset Quality, Capital & Liquidity Cost of Risk reached 50 bps. Capitalization remained strong with CET1 of 16.1% and total CAR of 19.7%. LCR and NSFR Ratios reached to 181% and 128%, respectively. LDR (incl. Sukuk) reached 94.8% while regulatory LDR stood at 78%. Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 3#4KSA Macroeconomic Environment General Business ☐ بنك الرياض riyad bank#5KSA Macroeconomic environment Saudi Macro Framework The Economy started to recover form COVID-19 impact GDP 6.0 4.0 2.0 0.0 -2.0 -4.0 -6.0 -8.0 Q3/15 Q2/16 CPI Inflation 8.0 6.0 MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 4.0 2.0 0.0 -2.0 -4.0 2015 2016 2017 2018 2019 2020 Q1/17 Q4/17 Q3/18 Q2/19 Q1/20 Q4/20 CPI inflation, %yoy Real GDP growth rate, quarterly, %yoy Fiscal Revenues and Expenditure (SARbn) 1,001 831 692 613 519 Purchasing Manager Index 60 1,079 1,059 1,068 930 927 906 770 55 50 45 45 40 2015 2016 2017 2018 2019 2020 2015 2016 2017 2018 2019 2020 Fiscal revenues Fiscal expenditure IHS Markit PMI composite Source: Ministry of finance, SAMA,, Riyad capital Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 5#6KSA Macroeconomic environment Banking Sector Highlights The Economy started to recover form COVID-19 impact (Continued) Regulatory LDR 86 84 82 80 78 76 wwww Credit and Customer Deposits 20.0 15.0 10.0 5.0 0.0 MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 74 -5.0 2015 2016 2017 2018 2019 2020 2015 2016 2017 2018 2019 2020 Claims to private sector, %yoy Customer deposits, %yoy Credit to Private Sector 16.0 12.0 8.0 4.0 0.0 -4.0 2015 2016 2017 2018 Money Supply M3 16.0 12.0 8.0 4.0 0.0 -4.0 -8.0 2019 2020 2015 2016 2017 2018 2019 2020 Money supply M3, %yoy Bank claims on private sector, %yoy Source: Ministry of finance, SAMA,, Riyad capital Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 6#7KSA Macroeconomic environment Vision 2030 initiatives Riyad Bank is fully committed to the success of the National Agenda رؤر VISION äģ 2030 MOST PROFITABLE وزارة المالية Ministry of Finance المملكة العربية السعودية KINGDOM OF SAUDI ARABIA # of Entities 19 MOU # of MOUS 5 # of Initiatives 31 AGREEMENT KICK-OFF # of Execution Agreements 2 # of Live Programs 3 Results Presentation - Q1 2021 General Business صندوق Tourism التنمية Development السياحي Fund الهيئة العامة للترفيه General Entertainment Authority SRC الشركية السعودية لمادة التمويلي العلاقي Saudi Real Estate Refinance Company صندوق Tourism التنمية Development السياحي Fund MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 1. Project Support Fund # 1 2. Facility Guarantee 3. Project Finance 4. Supportive Initiatives for Developing Business Enablers in Entertainment Sector 5. Real Estate Financing Program Partnerships 1. Facility Guarantee 2. Project Finance älläɲljg 1. Project Support Fund # 1 Ministry of Finance 2. Istidama # 1 صندوق Tourism التنمية Development السياحي Fund 3. Partnership to launch SAR 2bn financing fund for tourism projects بنك الرياض riyad bank 7#8Strategy Update ☐ بنك الرياض General Business riyad bank#9Strategy Update MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Riyad Bank has executed its strategic transformation exceptionally well, making it the fastest growing bank in KSA for the past 3 years 2022. Transformation To be the most innovative and trusted financial solutions partner CAGR %, 2017-2019 Retail Sales Transformation Corporate Sales Transformation Innovation Performance Culture RIYAD Avg. Peer Group 5 Profit Loans and advances, net Spot balance 26 7 Overarching Theme (2017-2020) Transform core engine: Overhauling performance management and productivity across core business lines, cultivating innovation and digitization culture, and improving the health of the organization. • Key Achievements: Increased customer's base, net profits and deposits and market share. Significantly developed the technical infrastructure and advanced the activation of digital capabilities to meet customer's needs during Covid-19 outbreak. Achieved specific targets positioning Riyad Bank amongst the strongest brands and one of the best work environments by jumping 25 points in the Organizational Health Index score placing Riyad Bank in the top quartile of measure globally. Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 9 12#10Retail Sales Transformation Strategy Update MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE However, structural and recent shifts in the industry require us to chart a new course for the Bank Recent trends Increasing customer Depressed demand and compressed margins due to COVID-19 sgo expectations around digital sales and service. Imperative to renew effort to reinforce our competitive advantage Growing competitive intensity with recent M&As in the region. Hence Riyad Bank has activated a new phase of the transformation... Corporate Sales Transformation Innovation 2017-2020 Transform core engine Results Presentation - Q1 2021 Performance Culture Transform core engine: performance management and productivity across core business lines, cultivating innovation and digitization culture, and improving the health of the organization. Overhauling 2020 onwards Accelerate growth and innovation Penetrate of new and existing segments through innovative products and services, and improve customer experience. General Business بنك الرياض riyad bank 10 DIGITALLY ENABLED#11Strategy Update MOST PROFITABLE MOST EFFICIENT BANK OF DIGITALLY ENABLED CHOICE ... Which will be delivered across 3 areas and support our aspiration to become the Best Bank in KSA Strategy Value through innovation Aspiration ي 2025 Creating new markets through digital eco-systems, disrupting me-too propositions, integrating Advanced Analytics into BAU Enablement through next gen operating model Transforming core technology infrastructure and operating model through agile Accelerate growth and innovation 10101 10101 Efficiency through digitization Improve organization productivity including front to back digitization MY BANK MOST PROFITABLE MOST EFFICENT DIGITALLY ENABLED BANK OF CHOICE Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 11#12Financial Results Overview ☐ بنك الرياض General Business riyad bank#13Financial results overview Q1 2021Key Highlights Q1 2021 Vs Q1 2020 Balance Sheet Income Statement Asset Quality MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 10.1% 7.5% 5.2% 3.0% 23.7% Total assets Loan and advances, net Investments, net Customer deposits Demand & other deposits 8.3% 5.4% 18.8% 2.1% Credit related impairment decreased by 18%. Net income NSCI Fee and other income Total operating income ■ Cost of Risk in Q1 2021 decreased to 50 bps from 107 bps in Q4-20 and 67 bps in Q1 2020. • NPL ratio 1.96% and NPL coverage at 123 % • Results Presentation - Q1 2021 Capital position: CET1 ratio of 16.1% and Total Capital Adequacy Ratio of 19.7%. Strong funding and liquidity with Regulatory Loans to Deposits Ratio of 78%, Net Stable Funding Ratio of 128% and Liquidity Coverage Ratio of 181%. • Leverage Ratio of 11.8%. General Business بنك الرياض riyad bank 13#14Financial results overview Financial Highlights - Balance Sheet MOST PROFITABLE Strong balance sheet growth supported by continued growth in loans and placements SAR (mn) Total Assets Growth Drivers (SARbn) 1Q 2021 4Q 2020 QoQ % change 1Q 2020 YoY % change MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED -1% 310 0 5 308 Cash and balances with SAMA and financial 48,370 55,579 -13.0% 32,792 +47.5% (8) institutions Investments, net 56,934 56,450 +0.9% 54,144 +5.2% Loans and advances, net 196,443 191,347 +2.7% 182,784 +7.5% Total assets 308,036 310,088 -0.7% 279,697 +10.1% Q4-20 Investments, net Customer deposits 198,598 203,039 -2.2% 192,902 +3.0% Loans & advances, net Others Q1-21 Debt securities in issue Total liabilities 8,648 Total shareholders' equity 5,684 263,809 265,733 44,228 44,355 -0.3% 37,797 +52.1% -0.7% 9,692 241,899 -10.8% Total Liabilities Growth Drivers (SARbn) +9.1% -1% +17.0% 266 4 264 (4) (1) Risk weighted assets Tier 1 ratio 16.1% 16.5% 274,610 268,134 +2.4% 258,056 -2.6% 14.6% +6.4% +10.0% Total capital adequacy ratio 19.7% 19.1% +3.1% 18.8% +4.8% Q4-20 Customer deposits Due to banks & other Others Q1-21 financial Results Presentation - Q1 2021 General Business institutions بنك الرياض riyad bank 14#15Financial results overview Assets & Lending Strong loan growth mainly driven by commercial and mortgage loans Loans & Advances Growth Drivers (SARbn) MOST PROFITABLE Mortgages Loans, Gross (SARbn) +21% MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED +3% 41 39 36 37 191 2 4 0 196 34 31 (1) Q4-20 Overdrafts Credit Cards Consumer Commercial Other Loans Loans Q1-21 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Loans & Advances, Net by Type (SARbn) 183 +7% 191 196 114 120 124 59 64 66 1 0 0 1-7 1 Q1-20 Q4-20 Q1-21 Overdrafts Credit Cards Consumer Loans Commercial Loans Other Loans Results Presentation - Q1 2021 General Business Total Assets Mix (SARbn) 2% 11% 5% 64% SAR 308 bn 18% Cash & Balances with SAMA Due from Banks & Other Financial Institutions Investments, Net Loans & Advances, Net Other Assets, Net بنك الرياض riyad bank 15#16Financial results overview Liabilities and Funding Continued strong growth in non-commission bearing deposits Customer Deposits Growth Drivers (SARbn) 203 10 -2% 7 199 (22) Total Liabilities Mix (SARbn) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 6% 3% 15% SAR 264 Bn Q4-20 Demand Savings Time Other Q1-21 Total Customer Deposits by Type (SARbn) +3% 203 193 199 36% 69 69 67 46 23% 124 136 153 77% 64% Q1-20 Q4-20 Non-commission bearing Results Presentation - Q1 2021 Q1-21 Commission-bearing General Business 75% Due to Banks & Other Financial Institutions Customer Deposits Debt Securities in Issue Other Liabilities, Net بنك الرياض riyad bank 16#17Financial results overview Financial Highlights - Income Statement Operating income growth was offset by higher impairment charges SAR (mn) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 1Q 2021 4Q 2020 QoQ % change 1Q 2020 YoY % change Net Income before Zakat Growth Drivers by Segment (SARmn) Net special commission income 2,096 2,036 Fee and other income 728 754 +2.9% -3.4% Total operating income, net 2,824 2,790 +1.2% 1,989 896 2,885 Operating expenses (982) (958) +2.5% (925) +5.4% -18.8% -2.1% +6.1% -8% 71 1,659 60 1,529 (59) (203) Net operating income before 1,842 1,832 0.5% 1,960 -6.4% impairment charges Impairment charge for credit losses and (247) (651) -62.1% (308) -19.9% other financial assets Q1-20 Retail Corporate Treasury & Riyad Capital Investments Q1-21 Impairment charge for investments (55.5) Net operating income 1,539 (29.6) +87.3% 1,150 +33.8% (0.3) +18146% 1,652 -6.8% Net Income after Zakat Growth Drivers by Type (SARmn) Share of earnings of associates, net (11) 6 -276.3% 8 -238.5% Net income for the period before Zakat 1,529 1,157 +32.2% 1,659 -7.9% -8% 106 Zakat for the period 175 277 Net income for the period 1,354 880 -36.8% +53.9% 183 1,476 -4.4% -8.3% 1,476 6 8 1,354 (168) (57) (19) EPS ROE before Zakat 0.45 13.8% ROA before Zakat 2.0% Cost to income ratio 34.8% 0.29 +53.9% 10.6% +29.8% 1.5% +32.3% 34.3% +1.3% 0.49 16.9% -8.3% -8.4% 2.4% -8.6% 32.1% +8.5% Q1-20 NSCI Fee & Expenses Impair- Associates Zakat ments Q1-21 Other Income Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 17#18Financial results overview Income Trends Income growth supported by strong balance sheet Total Operating Income, Net (SARmn) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Total Operating Income Growth Drivers by Segment (SARmn) -2% -2% 2,885 23 2,885 2,705 2,709 2,821 2,790 2,824 (41) Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 NSCI Margin, Yields and Funding Costs (%) 4.46% 4.24% 3.93% 3.57% 3.46% 3.30% 3.39% 3.23% 3.28% 3.11% 3.15% 2.93% 1.25% 1.18% 0.74% 0.37% 0.52% 0.43% Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Total cost of funds NSCI margin Total commission yield Results Presentation - Q1 2021 65 2,824 (108) Q1-20 Retail Corporate Treasury & Riyad Capital Investments Q1-21 Total Operating Income Growth Drivers by Type (SARmn) -2% 2,885 106 168 2,824 Q1-20 NSCI Fee & Other income Q1-21 Fee & Other Income Growth Drivers by Type (SARmn) General Business -19% 896 5 728 (118) (27) (29) Q1-20 Fees & Commissons Exchange Investment- Related Other Q1-21 بنك الرياض riyad bank 18#19Financial results overview Expenses Trends MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Continued cost efficiency improvement driven by income growth, despite continued investment in the Bank's transformation program Operating Expenses (SARmn) Operating Expenses Growth Drivers by Type (SARmn) +6% 1,107 925 958 982 861 890 925 (2) +6% 9 52 982 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Q1-20 Related Employee- Premises Depreciation Other G&A Related Q1-21 Cost to Income Ratio (YTD %) 34.3 32.4 32.1 31.9 31.8 34.8 Q1 2021 Operating Expenses Mix by Type (SARmn) Other G&A 31% SAR 982 mn 52% Employee-Related 13% Depreciation 4% FY-19 Q1-20 H1-20 9M-20 FY-20 Q1-21 Premises- Related Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 19#20Financial results overview Credit Quality Stable asset quality trends with solid NPL coverage ratio Impairment Charge for Credit Losses, Net (SARmn) 335 303 -18% 648 570 466 249 Cost of Risk (YTD %) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 1.07% 0.95% 0.96% 0.78 0.67% Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 FY-19 Q1-20 H1-20 NPL Ratio (%) Cost of Risk calculation = NPL Coverage (%) 9M-20 FY-20 0.50% Q1-21 Annualized YTD Impairment charge for credit losses, net Avg gross loans and advances 1.86% 1.96% 193.6 177.3 174.9 1.50% 142.9 124.2 123.2 0.88% 1.01% 1.02% Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 20#21Financial results overview Capitalization Capitalization well above regulatory minima and continues to support growth Capital Ratios (%) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Capitalization (SARbn) +12% 48 51 54 38 44 44 19.7% 19.1% 18.1% 18.8% 18.5% 17.8% 11 7 10 Q3-20 Q4-20 Q1-21 16.3% 16.5% 16.1% Common equity tier 1 capital Tier 2 capital 15.3% 16.1% 14.6% Risk Weighted Assets (SARbn) +6% 258 268 275 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 CET1 ratio TC ratio 237 246 251 4.17 Q3-20 18 Q4-20 5.19 Q1-21 Credit risk Operational risk Market risk Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 21#22Financial results overview Liquidity Liquidity continues to be at comfortable levels HQLA and Liquidity Coverage (SARbn/%) 52 50 51 46 62 62 52 190% 200% 181% 168% 155% 160% Loans to Deposit Ratios (%) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 98.9% 94.8% 93.8% 94.8% 94.2%, 94.8% 89.4% 92.2% 91.7% 91.2% 90.2% Q3-19 Q4-19 Q1-20 Q2-20 Q4-20 Q1-21 87.6% Q4-19 Liquidity coverage ratio (LCR) High quality liquid assets (HQLA) Q1-20 Q2-20 Loans to Deposits Ratio Q3-20 Q4-20 Q1-21 Loans to Deposits (incl. Sukuk) Ratio Net Stable Funding Ratio NSFR (%) Basel III leverage Ratio (%) 130% 130% 128% 120% 115% 123% 12.2% 11.8% 11.8% 11.3% 11.4% 10.9% Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 22#232021 Outlook General Business بنك الرياض riyad bank#242021 Outlook 2021 Guidance Riyad Bank Guidance Q1 2021 Guidance Metric FY 2020 2021 Guidance Actual Loans, Net SAR191 Bn (+10% YoY) High single digit % growth SAR196 Bn (+7.5% YoY) NSCI Margin (%) 3.13% -10bps to -20bps 3.15% Cost to Income (%) 32.4% Below 34% 34.8% Cost of Risk (%) 1.07% 0.8% to 1.0% 0.50% CET1 (%) 16.5% Above 15% 16.1% ROAE Before Zakat (%) 12.9% Above 12% 13.8% Results Presentation - Q1 2021 General Business MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED بنك الرياض riyad bank 24#25Questions & Answers Q&A General Business بنك الرياض riyad bank#26Appendix بنك الرياض General Business riyad bank#27ESG Focus MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Riyad banks' commitment to Environmental, Social and Governance (ESG) factors, started well before global trends بكرت With Bukra, the Bank is targeting the following UNSDGS: 1 NO POVERTY ZERO HUNGER GOOD HEALTH AND WELL-BEING QUALITY EDUCATION 5 GENDER EQUALITY 7 AFFORDABLE AND DECENT WORK AND CLEAN ENERGY ECONOMIC GROWTH SSS "Bukra", a comprehensive and long-term corporate social responsibility strategy, is aligned with the best practices of the most important local, regional and global frameworks, including Vision 2030, and the UN Sustainable Development Goals Social Organized several internal and external blood drives with 382 donors and donating 168,970 ml Supported King Faisal Specialist Hospital - Center for Autism Research and the Autism Center of Excellence and Participated in an international research project studying the effects of COVID- 19 on people with disabilities and their families Hired qualified employees with disabilities and also committed to implementing facilities in the buildings 41% of the SMEs in the Kafalah Programme are working with Riyad Bank, and the Bank holds the highest SME portfolio and largest loan book for SMES • 189% increase in Saudi Workers in SMEs • 53% increase in Women Owners of SMES INDUSTRY, INNOVATION REDUCED AND INFRASTRUCTURE 10 INEQUALITIES Governance • • 11 SUSTAINABLE CITIES AND COMMUNITIES 12 RESPONSIBLE CONSUMPTION AND PRODUCTION 8 6 Independent Board Directors 4 Board Subcommittees 13 ALMANE CLIMATE 16 PEACE, JUSTICE AND STRONG INSTITUTIONS 17 PARTNERSHIPS FOR THE GOALS Adopted 2 new Governance policies and frameworks Updated communication guidelines to meet the needs of persons with disabilities Environmental By recycling 3,480 kg of waste, We saved 80 cubic meters of landfill, almost 14 tons of CO2 (Data from EPA), and 59 trees. By saving 7,520 kg of paper, We reduced the volume of material printed over the previous year and reducing toner costs by 73% Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 27#28COVID-19 Update Riyad Bank COVID-19 Initiatives MOST PROFITABLE MOST EFFICIENT BANK OF DIGITALLY ENABLED CHOICE Supporting the economy and community while ensuring business continuity and safety of employees Medical efforts خیزمن قنطار علاج #كلنا_مسؤول يساهم البنك الرياض يدعم قيمته 17 مليون ريال. إلى صندوق الوقف الصحي لمكافحة فايروس كورونا. بكرة بين ميس دعم الصندوق المجتمع ي مناهم تلك الرياض جسم فيك 10.73 مليون ريال إلى الصندوق المخاففي الاعم مجموعة من المخدرات والمشروعات المجتمعية الدعم الطلاب الأقدمية والأمر لقوا من الروس كوبونا بكرة بنك الرياض 5,000 000 لتلبية احتياجات 5000 أسرة في شهر رمضان المبارك • Distributed 7,000 safety boxes containing masks, gloves, and sanitizers to all employees Donated SAR 17 million to the Ministry of Health under the "We are responsible and I am the First one" campaign. Donated SAR 10.9 million to the Society Fund initiative by Ministry of human resources and social development Partnered with Saudi Food bank and various charities to distributes 10,000 food boxes to families in need Ramadan. Economic efforts • • • Through SAMA credit relief initiatives channeled via the bank, 10,636 loans and 2,301 entities were deferred, amounting to total volume of payment deferred of SAR 19.87bn Postponed loans installment for all public and health workers for 3 months starting from April in recognition of their service during the crises. Collaborated with the ministry of communications and information technology to distribute 677 tables to students to facilitate their study from home efforts. Work Continuity 100% of work capacity Maintaining social distance principle and flexible working hours Daily deep cleaning of all bank premises Employees Hot lines and App for employees Employee booklet that includes general awareness, Covid-19 preventive measures, policies. 40+ awareness messages (email, text messages and calls) Customers Marketing campaigns to encourage customers to use the digital channels Delivering ATMs cards to customers homes Investors Conducted multiple calls with investors and analysts اج عام بكرة بنك الرياض DEYGO + Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 28#29Government programs Government programs SAR 290+bn in combating adverse impact of COVID-19 on Saudi Economy Corporate Saudi Arabian Monetary Authority (SAMA) To Private sector SMEs Deferred Payments Program extended till Q1 2020 SAR 13.2 bn Funding for Lending Program SAR 0.8 bn POS & E-commerce fees SAR 6 bn Loan Guarantee Program Repo rate cut at 1.0% Retail Free transfers between local banks Revaluated internet rates and other fees imposed on credit cards Refunded to the customers the exchange commissions on credit cards for canceled travels Raise the limit allowed for payments via bank cards through POS to be SAR 300 without pin number Raise transfer limit for digital wallets to SAR 20K Postpone the instalments for 6 months without interest or additional costs, for those affected by losing their jobs Extended pausing the practice of freezing Saudis customers' accounts due to ID expiry until further notice. Waived all fees on customers (corporate and retails) related to refinance or loan settlement. Provided all electronic channels from issuing and renewing insurance policy and receiving various requests and inquiries from customers. Includes FY 2020 updates Results Presentation - Q1 2021 To Banks Postponed SAMA supervisory Prudential policy measures (SRVS and ICAAP) Postponed of new regulations (Provisioning methodology and Basel III finalized reforms) Requested banks to engage with the external Auditors to measure Expected Credit Loss (ECL) to be reasonable and supportable Extended the Foreign Bank Branches Regulations (FBBs) execution SAMA injected SAR 50 bn into the Banking sector Ministry of Finance To Economy To increase Government Debt to GDP up to 50% Total of SAR 117 bn to support Private Sector SAR 70 bn in Q1-20 ✔SAR 47 bn in Q2-20 SAR 47 bn to support health sector USD 0.5 bn to fund int'l efforts vs Covid-19 30% off to electricity bills for commerce and industry Defer SMEs installments financed by Development funds Threshold for the 1st home buyer VAT waiver to SAR 1 mn General Business MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Ministry of Interior To extend Iqama and visas for expats for three months without charge Ministry of Municipal and Rural Affairs 1,400 economic entities to delay services fees payments for 3 months Ministry of Commerce To delay 116 thousand commercial license renewal fees for 90 days Saudi Customs Postponing the collection of custom duties for one month Saudi Human Resources Development Fund SAR 5.3 bn to support private sector to employ and for training General Authority of Zakat and Tax To delay submission of declarations and payment of Zakat and VATS Replacing 15% VAT on real estate transaction with 5% sales tax Saudi Financial Support Services SAR 9 bn to cover 60% of salaries in the private sector Social Development Bank SAR 12 bn to support households and SMES بنك الرياض riyad bank 29#30Appendix Riyad Bank Contact Contact the investor relations for more information: MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Ibrahim Al-Muhanna Head of Investor Relations Telephone: E-mail: Address: +966 11 401 3030 Ext. 2499 [email protected] Riyadh - Al Shuhada District Eastern ring road Granada Oasis - Tower (A1) P.O Box 22622 Riyadh 11416 Kingdom of Saudi Arabia Visit our Website https://www.riyadbank.com/en/about-us/investor-relations بنك الرياض Bank Borrow Invest Digital Banking Discover search a riyad bank About Us Investor Relations Financial Results ABOUT US Who We Are Leadership Corporate Social Responsibility Awards Riyad Bank Compliance Investor Relations Financial Results Dividends 2019 Quarter 2 Re.pdf ^ Financial Results 2019 Financial Reports Quarter 2-Results Presentation Quarter 2-Earnings Release Print POF (1MB) PDF (684KB) Quarter 2 Disclosure Under Basel III Framework PDF (1MB) Quarter 2-Interim Condensed Consolidated Statements PDF (1MB) Quarter 1 Results Presentation PDF (B01K) Quarter 1 Earnings Release PDF (166KB) Show all X Riyad Bank Head Office Link den KarakQ Multinational School Riyadh O الجينية العالقة Shah Abdulah Me R AL FALAH الفلاح aud Post Office O البريد السعودي Price World C www Carrefour Saudi Falah Park Samba کاری لودی AL WADI الوادي Al Wadi Park ° Results Presentation - Q1 2021 General Business Almaras Head Office O SABIC Ac Dar Al Uloom Schools Astronaut Square Q D Manarat Al Rad International School C ° Thog AlFursa Wedding Venue O قلعه نوال الفرسان الإحتفالات McDona Al Othaim Supermarket Carnem 32 British intertutional School الرطانة الدولة 0 A Village Compound ومة الشعرة Sony Service Center ASH SHUHADA ° 7998-7906 Eastern Ring Branch Road, Ghimatah AL IZDIHAR Granada Center Carrefour Saud الأزدهار Centrepoint O Riyadh Najed School Al Forsan intemational School For Gels Water Splash O CHIRNATAH Gulf Sming Room O Sahel Fuel Station بنك الرياض riyad bank 30#31Appendix Disclaimer This presentation has been prepared by Riyad Bank solely for informational purposes. MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED The presentation may contain forward looking statements, which reflect Riyad Bank's beliefs or current expectations and assumptions regarding the future of the business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Forward looking statements are neither historical facts nor assurances of future performance and can generally be identified by terminology including "anticipate", "aspire", "believe", "project", "estimate", "expect", "forecast", "strategy", "target", "trend", "future", "likely", "may", "should", "will", "intend", "plan", "goal", "objective", "seek", "roadmap", and other words of similar meaning or similar expressions. By their nature, forward looking information and statements are subject to known and unknown uncertainties, risks and changes in circumstances that are difficult to predict and not in Riyad Bank's control. Our actual results of operations and financial conditions may differ materially from that or those indicated in the forward looking statements. You should not place undue reliance on any of these forward looking statements. Any forward looking statement made by Riyad Bank in the presentation is based only on information currently available to us and speaks only as to the date on which this presentation is made. Past performance is not a reliable indication of future performance. Riyad Bank makes no representations or warranties as to the accuracy, or completeness of the information and shall not have any liability for any representations, express or implied, regarding the information contained in, or for any omissions from, the information included in this presentation. Riyad Bank undertakes no obligation whatsoever to publicly update any forward looking statement whether as a result of new information, future developments or otherwise. Riyad Bank will be always compliant with the proper timely disclosure of any essential information to be broadcasted via the formal approved channels according to the applied rules, regulations and laws of the kingdom of Saudi Arabia. Results Presentation - Q1 2021 بنك الرياض General Business riyad bank 31