Investor Presentation - FY 2020

Financial results overview Credit Quality Stable asset quality trends with solid NPL coverage ratio Impairment Charge for Credit Losses, Net (SARmn) 335 303 190 +93% 648 570 466 Cost of Risk (YTD %) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 1.07% 0.95% 0.96% 0.78% 0.67% 0.53% Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 9M-19 FY-19 Q1-20 NPL Ratio (%) Cost of Risk calculation = NPL Coverage (%) H1-20 9M-20 FY-20 Annualized YTD Impairment charge for credit losses, net Avg gross loans and advances 1.86% 193.6 177.3 174.9 1.50% 164.3 142.9 124.2 1.01% 1.02% 0.85% 0.88% Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Investor Presentation - FY 2020 General Business بنك الرياض riyad bank 22

View entire presentation