Investor Presentaiton

Strategy Overview Management Highlights Q1 2021 Snapshot Strategy MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Activated a new phase of the transformation 2025. Value through innovation. - Enablement through next gen operating model. Efficiency through digitization. Financial Performance ■ Net loans grew by 7.5% YoY to SAR 196 billion. Total Deposits grew by 3.0% YoY to SAR 199 billion. ■ Total Operating Income decreased by 2.1% YoY to SAR 2,824 million. Efficiency ratio reached 34.8%. Net Operating income before Impairments and Zakat decreased by 6.4% YoY to SAR 1,842 million. Net Income decreased by 8.3% YoY to SAR 1,354 million. Asset Quality, Capital & Liquidity Cost of Risk reached 50 bps. Capitalization remained strong with CET1 of 16.1% and total CAR of 19.7%. LCR and NSFR Ratios reached to 181% and 128%, respectively. LDR (incl. Sukuk) reached 94.8% while regulatory LDR stood at 78%. Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 3

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