Investor Presentation
Balance sheet 5-year Summary
Loans & Advances, Net (SARbn)
YoY-
+13% CAGR
Total Assets (SARbn)
+12% CAGR
Deposits (SARbn)
Profile / Strategy / Sustainability / Environment / Financials / Appendix
+9% CAGR
Capital Ratios (%)
21.1%
242.4
359.7
240.0
217.3
310.1 325.7
191.3
194.5
211.7
203.0
19.1% 19.0%
174.0
265.8
169.8
18.1% 18.1%
151.0
229.9
18.1%
+1.
2018
+10%
+14%
2019 2020 2021
Headline LDR (%)
94.2%
88.9%
- 89.4%
16.1% 16.3%
-
16.5%
15.8%
+12%
YoY-
+16%
+17%
+5%
+10%
YoY
+15%
+4%
+4%
+13%
2022
2018
2019
2020
2021
2022
2018 2019
2020 2021
2022
2018 2019
-CAR
2020
2021
Tier 1 ratio
2022
102.7%
101.0%
LCR (%)
199.5%
182.0%
167.7%
155.3%
121.4%
NPL Ratio (%)
1.02%
0.88%
NPL Coverage Ratio (%)
177.3%
1.86%
151.0%
1.65% -1.72%
124.2% 123.5%
112.0%
2018
2019
2020
2021
2022
2018
2019
2020 2021 2022
2018 2019
2020
2021
2022
2018
2019
2020
2021
2022
Riyad Bank - Investor Presentation - 30/09/23
General Business
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