Investor Presentation - FY 2020

Business Segments Retail Banking Operating income growth offset by higher impairment charges SAR (mn) FY 2020 FY 2019 YoY % change 4Q 2020 3Q 2020 QoQ % change Total assets Total liabilities MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Total Assets (SARbn) Total Liabilities (SARbn) 77,495 69,754 +11% 92,921 83,485 +11% 77,495 92,921 75,644 90,844 +2% +2% +11% 77 +11% 93 83 Net special commission income 3,564 3.316 +7% 934 898 +4% 70 Fee and Commission income 198 424 -53% 23 71 -67% net Operating income Operating expenses 3,745 (2,431) 3,720 +1% 952 960 -1% (2,433) -0% (629) (607) +4% Impairment charge (33) 86 -138% (39) 111 -135% Net income before Zakat 1,281 1,373 -7% 283 465 -39% Q4-19 Q4-20 FY 2020 Net Income Contribution by Segment Retail 23% Investor Presentation - FY 2020 Operating Income (SARmn) +1% 3,720 Q4-19 Q4-20 Net Income before Zakat Growth Drivers by Type (SARmn) 249 3,745 1,373 -7% 2 1,281 (224) (119) FY-19 FY-20 FY-19 NSCI Fee & Other ExpensesImpairments FY-20 Income General Business بنك الرياض riyad bank 26

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