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OUR OPERATING REVIEW | RETAIL BANKING Retail continue the strong performance, largely driven by a surge in demand for home loans and cost control Retail Banking Segmental Performance, (SARmn) 2016 2017 2018 H1'18 H1'19 YoY % Total Assets 16,500 17,791 19,764 18,608 21,835 17.3% Revenues 1,491 1,553 1,751 815 940 15.3% 27% of Revenue Operating expenses 1,110 1,170 1,115 569 536 -5.7% Impairment charges 80 134 158 51 71 38.3% Net Income 302 249 478 195 333 70.6% Management Commentary • • • Retail assets were up by 17.3% YoY due to strong growth in mortgage lending Revenues grew by 15.3% YoY Bottom line increased by 70.6% YoY driven by higher revenues and lower cost |BSF Investor Relations | 24

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