Investor Presentaiton

OUR OPERATING REVIEW | CORPORATE BANKING Corporate represents 44% of Bank revenues and impairment charges increased by 48% YoY Corporate Banking Segmental Performance, (SARmn) 2016 2017 2018 H1'18 H1'19 YoY % Total Assets 116,505 107,093 102,523 108,708 104,339 -4.0% Revenues 3,103 3,001 3,093 1,510 1,519 0.6% 44% of Revenue Operating expenses 598 580 621 332 286 -13.8% Impairment charges 689 527 1,014 154 228 48.0% Net Income 1,816 1,894 1,457 1,024 1,005 -1.9% Management Commentary • Corporate assets declined by -4.0% YoY • • Revenues increased by 0.6% YoY Bottom line decreased by -1.9% YoY driven by the higher impairment charges partially offset by lower operating expenses |BSF Investor Relations 23 23

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