Investor Presentation - FY 2020

Financial results overview Liquidity Liquidity continues to be at comfortable levels HQLA and Liquidity Coverage (SARbn/%) 52 50 51 46 43 Loans to Deposit Ratios (%) 62 62 93.6% 200% 190% 165% 168% 155% 160% 89.4% 91.5% MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 94.8% 94.8% 94.2% 93.8% 92.2% 91.7% 91.2% 90.2% Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q3-19 87.6% Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Liquidity coverage ratio (LCR) High quality liquid assets (HQLA) Loans to Deposits Ratio Loans to Deposits (incl. Sukuk) Ratio Net Stable Funding Ratio NSFR (%) Basel III leverage Ratio (%) 130% 130% 120% 115% 115% 123% 12.3% 12.2% 11.8% 11.3% 11.4% 10.9% Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Investor Presentation - FY 2020 General Business بنك الرياض riyad bank 24

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