Investor Presentaiton

Financial results overview Income Trends Income growth supported by strong balance sheet Total Operating Income, Net (SARmn) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Total Operating Income Growth Drivers by Segment (SARmn) -2% -2% 2,885 23 2,885 2,705 2,709 2,821 2,790 2,824 (41) Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 NSCI Margin, Yields and Funding Costs (%) 4.46% 4.24% 3.93% 3.57% 3.46% 3.30% 3.39% 3.23% 3.28% 3.11% 3.15% 2.93% 1.25% 1.18% 0.74% 0.37% 0.52% 0.43% Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Total cost of funds NSCI margin Total commission yield Results Presentation - Q1 2021 65 2,824 (108) Q1-20 Retail Corporate Treasury & Riyad Capital Investments Q1-21 Total Operating Income Growth Drivers by Type (SARmn) -2% 2,885 106 168 2,824 Q1-20 NSCI Fee & Other income Q1-21 Fee & Other Income Growth Drivers by Type (SARmn) General Business -19% 896 5 728 (118) (27) (29) Q1-20 Fees & Commissons Exchange Investment- Related Other Q1-21 بنك الرياض riyad bank 18

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