Investor Presentation - FY 2020

Business Segments Treasury & Investments Increase in profit due to increase from fees and other income SAR (mn) FY 2020 FY 2019 YoY % change 4Q 2020 3Q 2020 QoQ % change MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Total assets Total liabilities Net special commission income 1,256 1,334 -6% 263 287 -8% Fee and other income, net 1,136 836 36% 322 220 47% Total Assets (SARbn) Total Liabilities (SARbn) 96,820 71,341 +36% 22,784 16,511 +38% 96,820 22,784 96,171 +1% 24,208 -6% +36% +38% 97 23 17 71 Operating income 2,392 2,170 +10% 585 506 +16% Operating expenses (132) (123) +7% (34) (33) +4% Impairment charge (49) 53 -192% (22) 14 -260% Share in earnings of associates, net 19 153 -87% 13 -52% Q4-19 Q4-20 Q4-19 Q4-20 Net income before Zakat 2,231 2,251 -1% 535 500 +7% FY 2020 Net Income Contribution by Segment Operating Income (SARmn) Net Income before Zakat Growth Drivers by Type (SARmn) +10% 2,392 2,170 2,251 79 301 -1% 2,231 101 132 41% FY-19 FY-20 FY-19 NSCI Treasury and investments Fee & Other Expenses Impair- Associates ments FY-20 Income Investor Presentation - FY 2020 General Business بنك الرياض riyad bank 28

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