PitchSend

FY20/21 Investor Presentation

Operating Income Trends | Strong income growth reflecting successful strategy execution Total Operating Income (SARmn) +18.3% 6,336 6,578 6,855 5,794 5,948 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 Net Profit Margin (%) Total Operating Income Growth Drivers By Type (SARmn) +24.1% 1,273 239 4 25,716 3,479 20,721 FY 20 Net yield Fee from banking Exchange income services, net income, net Other operating income, net FY 21 NPM Drivers (%) 4.71% 4.71% 4.56% 4.44% 4.32% 4.21% -50 bps -0.45% -0.01% -0.06% -0.09% 0.12% 4.21% FY 20 1Q 21 1H 21 9M 21 FY 21 FY 20 Retail Corporate Treasury CoF Management Actions FY 21 FY20 21 Investor Presentation 33 8

View entire presentation