Investor Presentation - FY 2020

Retail Sales Transformation 2017-2020 Strategy Update MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE However, structural and recent shifts in the industry require us to chart a new course for the Bank Recent trends Increasing customer Depressed demand and compressed margins due to COVID-19 sgo expectations around digital sales and service. Imperative to renew effort to reinforce our competitive advantage Growing competitive intensity with recent M&As in the region. Hence Riyad Bank has activated a new phase of the transformation... Corporate Sales Transformation Innovation Performance Culture 2020 onwards Transform core engine Overhauling Transform core engine: performance management and productivity across core business lines, cultivating innovation and digitization culture, and improving the health of the organization. Investor Presentation - FY 2020 Accelerate growth and innovation Penetrate of new and existing segments through innovative products and services, and improve customer experience. General Business بنك الرياض riyad bank 12 DIGITALLY ENABLED

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