Investor Presentaiton

OUR FINANCIAL RESULTS | LOAN PORTFOLIO DETAILS Higher impairment charges compared to 2018 Net Loans, (SARmn) 129,458 121,940 120,632 123,439 Impairment Charges (SARmn) 1,203 2.91% 2.73% 2.72% 747 665 176.0% NPL/Gross Loans 123.9% 100.1% 112.0% NPL Coverage 1.29% 2016 2017 2018 9M'19 |BSF Investor Relations 0.60% 0.36% 0.73% 0.58% 519 0.53% Cost of Risk 325 2016 2017 2018 9M'18 9M'19 | 14

View entire presentation