Investor Presentaiton

OUR FINANCIAL RESULTS | BALANCE SHEET HIGHLIGHTS Decrease in CBDs to optimize the balance sheet & increase in credit demand driving the loan growth. Balance Sheet (SARmn) Composition of BSF Assets 2016 Total Assets Loans and Advances Customer deposits - which include: Non commisssion bearing deposits Commission bearing deposits Total Equity 2017 2018 203,429 192,929 190,201 129,458 121,940 120,632 158,458 150,954 148,368 92,167 85,808 72,138 66,291 65,147 76,230 29,699 31,661 30,812 Q1 2019 Q2 2019 QoQ 189,990 186,579 -1.80% 121,274 124,233 2.44% 144,820 142,226 -1.79% 75,727 75,152 -0.76% 69,093 67,074 -2.92% 32,198 32,602 1.26% Other assets 1.7% Fair value derivative 2.1% Due from Banks 4.1% Cash & balances with SAMA 7.5% Key Ratios Investments, net 2016 NPL / Gross loans Coverage ratio Cost of risk Loans/Deposits 2017 2018 1.29% 2.73% 2.91% 176.0% 100.1% 112.0% 0.58% 0.53% 0.73% 78.4% 79.7% 80.2% Q1 2019 Q2 2019 QoQ 2.70% 2.66% -0.04% 123.7% 120.68% -3.06% 18.1% 0.46% 0.62% 0.16% 82.6% 87.35% 4.75% |BSF Investor Relations Loans & advances, net 66.6% |14

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