Investor Presentaiton

OUR OPERATING REVIEW | RETAIL BANKING Retail continue the strong performance, largely driven by a surge in demand for home loans and cost control Retail Banking Segmental Performance, (SARmn) 2016 2017 2018 9M'18 9M'19 YOY% Total Assets 16,500 17,791 19,764 18,983 22,655 19.3% Revenues 1,491 1,553 1,751 1,277 1,406 10.1% 27% of Revenue Operating expenses 1,110 1,170 1,115 852 770 -9.7% Impairment charges 80 134 158 91 183 99.8% Net Income 302 249 478 334 454 36.1% Management Commentary • • • Retail assets were up by 19.3% YoY due to strong growth in mortgage lending Revenues grew by 10.1% YoY Bottom line increased by 36.1% YoY driven by higher revenues and lower cost |BSF Investor Relations | 19

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