Investor Presentaiton

OUR OPERATING REVIEW | CORPORATE BANKING Corporate lending remains subdued with impairment charges increasing by 42.7% YoY Corporate Banking Segmental Performance, (SARmn) 2016 2017 2018 9M'18 9M'19 YoY% Total Assets 116,505 107,093 102,523 107,144 102,399 -4.4% 45% of Revenue Revenues 3,103 3,001 3,093 2,290 2,326 1.6% Operating expenses 598 580 621 484 462 -4.5% Impairment charges 689 527 1,014 234 334 42.7% Net Income 1,816 1,894 1,457 1,572 1,530 -2.7% Management Commentary • • • Corporate assets declined by -4.4% YoY Revenues increased by 1.6% YoY Bottom line decreased by -2.7% YoY driven by the higher impairment charges partially offset by lower operating expenses |BSF Investor Relations | 18

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