Investor Presentation - FY 2020

Financial 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 FY 2020 FY 2019 YoY % change Q4 2020 Q3 2020 QoQ % change Net Income before Zakat Growth Drivers by Segment (SARmn) Net special commission income Fee and other income Total operating income, net Operating expenses 8,214 7,837 +4.8% 2,992 2,880 +3.9% 11,205 10,717 +4.6% (3,635) (3,674) -1.1% 2,036 2,073 -1.8% 754 748 +0.7% 2,790 2,821 -1.1% (958) (890) +7.7% -12% 6,232 174 5,484 (92) (809) (22) Net operating income before impairment charges Impairment charge for credit losses and other financial assets Impairment charge for 7,571 7,043 +7.4% 1,831 1,931 -5.1% (2,062) (1,012) +103.7% (651) (490) +32.9% FY 19 Retail Corporate (44) 48 investments Net operating income 5,464 6,079 -192.0% (29.6) 19.4 -10.1% 1,150 1,460 Share of earnings of associates, net 19 153 -87.4% 6 13 -252.8% -21.2% -51.5% Treasury & Riyad Capital Investments FY 20 Net Income after Zakat Growth Drivers by Type (SARmn) Net income for the period before Zakat 5,484 6,232 -12.0% 1,157 1,473 -21.5% -16% Zakat for the period Net income for the period (769) (630) +22.1% 4,715 5,602 -15.8% (277) (177) +56.5% 880 1,296 -32.1% 5,602 377 111 40 4,715 (134) (139) (1,142) EPS ROE before Zakat ROA before Zakat Cost to income ratio 1.57 1.87 12.9% 16.1% 1.9% 2.5% 32.4% 34.3% -15.8% 0.29 0.43 -32.1% -19.9% 8.1% 14.1% -34.9% -31.0% 1.1% 2.0% -81.8% -5.4% 34.3% 31.5% +8.9% FY 19 NSCI Fee & Expenses Impair- Associates Zakat ments FY 20 Other Income Investor Presentation - FY 2020 General Business بنك الرياض riyad bank 19

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