Investor Presentation - FY 2020
Strategy Overview
Management Highlights
FY 2020 Snapshot
MOST
PROFITABLE
MOST
EFFICIENT
BANK OF
CHOICE
DIGITALLY
ENABLED
Strategy
Executed the strategic transformation plan exceptionally
well.
Structural and recent shifts in the industry require Riyad
Bank to chart a new course therefore, Riyad Bank is
activating a new phase of the transformation.
Financial Performance
Net loans grew by 10.0% YoY to SAR 191 billion.
Total Deposits grew by 4.4% YoY to SAR 203 billion.
Total Operating Income grew by 4.6% YoY to SAR 11,205
million.
Efficiency ratio remains within our comfort level at 32.4%.
Net Operating income before Impairments and Zakat increased
by 7.4% YoY to SAR 7,571 million.
Net Income decreased by 15.8% YoY due to increased
impairment charges for the period.
Asset Quality, Capital & Liquidity
Cost of Risk reached 107 bps.
Capitalization remained strong with CET1 of 16.5% and total
CAR of 19.1%.
LCR and NSFR Ratios reached to 200% and 130%, respectively.
LDR (incl. Sukuk) reached 91.7% while regulatory LDR stood at
75%.
Investor Presentation - FY 2020
General Business
بنك الرياض
riyad bank 4View entire presentation