Investor Presentaiton

OUR FINANCIAL RESULTS | BALANCE SHEET HIGHLIGHTS Favorable deposit mix and well positioned loan-to-deposit ratio at 87% Balance Sheet (SARmn) Total Assets Loans and Advances Customer deposits - which include: Non commisssion bearing deposits Commission bearing deposits Total Equity Key Ratios Composition of BSF Assets 2016 2017 2018 Q1 2019 Q2 2019 Q3 2019 QoQ 203,429 192,929 190,201 189,990 186,579 186,365 -0.11% 129,458 121,940 120,632 121,274 124,233 123,439 -0.64% 158,458 150,954 148,368 144,820 142,226 141,898 -0.23% 92,167 85,808 72,138 75,727 66,291 65,147 76,230 69,093 29,699 31,661 30,812 Other assets 2.1% Fair value derivative 2.7% 75,152 76,521 1.82% Due from Banks 3.0% 67,074 65,377 32,198 32,602 32,612 -2.53% 0.03% Cash & balances with SAMA 8.5% 2016 NPL / Gross loans Coverage ratio Cost of risk Loans/Deposits 78.4% 79.7% 80.2% 82.60% 2017 2018 Q1 2019 Q2 2019 Q3 2019 1.29% 2.73% 2.91% 2.70% 2.66% 2.72% 0.06% 176.0% 100.1% 112.0% 123.74% 120.7% 123.91% 3.23% 0.58% 0.53% 0.73% 0.46% 0.62% 0.71% 0.09% 87.35% 86.99% -0.36% QoQ Investments, net 17.4% |BSF Investor Relations Loans & advances, net 66.2% | 10

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