Investor Presentaiton

OUR FINANCIAL RESULTS | LOAN PORTFOLIO DETAILS Cost of risk increased while NPL ratio improved Net Loans, (SARmn) 129,458 121,940 120,632 124,233 Impairment Charges, (SARmn) 1,203 0.73% 2.91% 2.73% 2.66% 747 0.58% 665 176.0% NPL/Gross Loans 120.7% 0.53% 100.1% 112.0% NPL Coverage 1.29% 2016 2017 2018 H1'19 |BSF Investor Relations 0.54% 0.34% Cost of Risk 303 201 2016 2017 2018 H1'18 H1'19 | 19

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