Investor Presentaiton

OUR FINANCIAL RESULTS | INCOME STATEMENT HIGHLIGHTS Improved margins resulted in better NII and higher revenues. Income Statement Trends (SARmn) Net Interest Income (SAR Mn) 2016 2017 2018 9M'18 9M'19 YOY 1,344 Net interest income 4,256 4,700 5,017 3,770 3,914 3.8% 1,261 1,247 1,273 1,298 Non-interest income 2,144 1,876 1,782 1,336 1,252 -6.3% Revenues 6,400 6,576 6,799 5,106 5,167 1.2% Operating expenses 2,149 2,387 2,291 1,745 1,601 -8.2% Q3 '18 Q4'18 Revenue (SAR Mn) Q1'19 Q2'19 Q3'19 Net operating income 4,251 4,189 4,508 3,361 3,566 6.1% 1,738 Total impairment charges 747 665 1,203 325 519 59.7% 1,723 1,706 Net income before zakat & tax 3,510 3,532 3,307 3,038 3,046 0.3% 1,696 1,693 Zakat & Tax 273 299 1,404 204 446 119.1% Net income after zakat & Tax 3,237 3,233 1,903 2,835 2,600 -8.3% Key Ratios 2016 2017 2018 9M'18 9M'19 YOY Q3 '18 Q4'18 Q1'19 Q2'19 Q3'19 Net Income after zakat & tax (SAR Mn) Cost to revenue ratio 33.6% 36.3% 33.7% 34.18% 30.99% -3.2% 943 917 804 880 ROE 10.9% 10.2% 6.2% 11.86% 10.63% -1.2% ROA 1.6% 1.7% 1.0% 2.00% 1.86% -0.1% NIM 2.3% 2.4% 2.7% 2.69% 2.87% 0.2% Net interest / Avg Credit Risk Assets 2.4% 2.7% 3.0% 2.87% 3.15% 0.3% Q3 '18 (957) Q4'18 Q1'19 Q2'19 Q3'19 | 11 |BSF Investor Relations

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