Investor Presentation - FY 2020

Business Segments Riyad Capital Strong performance supported by strong AuMs growth Total AUM (SARbn) SAR (mn) FY 2020 FY 2019 YoY % change 4Q 2020 3Q 2020 QoQ% change Total assets Total liabilities 2,370 1,574 +51% 2,370 2,103 +13% 455 428 +6% 455 422 +8% Net special commission 191 142 +35% 49 46 +5% income 50 Fee and Commission income 544 412 +32% 191 136 +40% net Operating income 767 589 +30% 248 192 +29% Operating expenses (223) (219) +2% (73) (54) +36% Net income before Zakat 544 369 +48% 175 138 +27% FY 2020 Net Income Contribution by Segment Riyad Capital ☑ 10% Investor Presentation - FY 2020 Operating Income (SARbn) +30% 589 MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED +34% 67 FY-19 FY-20 Net Income before Zakat Growth Drivers by Type (SARmn) +47% 129 4 544 767 49 369 FY 19 FY 20 FY-19 NSCI Fee & Other Income Expenses FY-20 General Business بنك الرياض riyad bank 29

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