Investor Presentation - FY 2020

Financial results overview Income Trends Income growth supported by strong balance sheet Total Operating Income, Net (SARmn) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Total Operating Income Growth Drivers by Segment (SARmn) +5% +3% 10,717 25 63 222 178 11,205 2,763 2,885 2,705 2,709 2,821 2,790 Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 NSCI Margin, Yields and Funding Costs (%) 4.67% 4.46% 4.19% 3.93% 3.57% 3.30% 3.55% 3.39% 3.19% 3.28% 3.11% 2.93% FY 19 Retail Corporate Treasury & Riyad Capital Investments FY 20 Total Operating Income Growth Drivers by Type (SARmn) +5% 10,717 377 111 FY 19 11,205 NSCI Fee & Other income FY 20 1.31% 1.25% 1.18% Fee & Other Income Growth Drivers by Type (SARmn) +1% 0.74% 0.52% 0.43% 70 2,880 135 64 2,992 (157) Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Total cost of funds NSCI margin Total commission yield Investor Presentation - FY 2020 General Business FY 19 Fees & Commissons Exchange Investment- Related Other FY 20 بنك الرياض riyad bank 20

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