Investor Presentation - FY 2020

Financial results overview Financial Highlights - Balance Sheet MOST PROFITABLE Strong balance sheet growth supported by continued growth in loans and placements SAR (mn) Cash and balances with SAMA and financial institutions Total Assets Growth Drivers (SARbn) Q4 2020 Q3 2020 QoQ % change Q4 2019 YTD % change MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED +17% 24 310 17 266 3 55,579 55,633 -0.1% 33,924 +63.8% Investments, net Loans and advances, net 56,450 55,036 +2.6% +0.3% 191,347 190,823 Total assets Customer deposits Debt securities in issue Total liabilities 5,638 -0.1% Total shareholders' equity 44,355 +4.0% 53,361 173,982 +0.5% 310,088 308,558 265,789 203,039 201,292 +0.9% 194,518 +4.4% 5,684 +0.8% 4,003 +42.0% 265,733 265,903 225,217 +18.0% 42,655 40,571 +5.8% +10.0% +16.7% Q4-19 Investments, net Loans & advances, net Others Q4-20 Total Liabilities Growth Drivers (SARbn) +18% +9.3% 29 4 266 225 8 Risk weighted assets Tier 1 ratio 268,134 265,329 +1.1% 249,556 +7.4% 16.5% 16.1% +2.9% 16.3% +1.7% Total capital adequacy ratio 19.1% 18.5% +3.0% 18.1% +5.6% Q4-19 Customer deposits Due to banks & other Others Q4-20 Investor Presentation - FY 2020 General Business financial institutions بنك الرياض riyad bank 16

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