Investor Presentation - FY 2020

Financial results overview Capitalization Capitalization well above regulatory minima and continues to support growth Capital Ratios (%) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Capitalization (SARbn) +13% 45 55 49 51 43 44 41 19.1% 17.9% 18.8% 18.5% 18.1% 17.8% 5 Q4-19 6 Q3-20 Q4-20 16.1% 16.3% 16.5% 16.1% Common equity tier 1 capital Tier 2 capital 14.6% 15.3% Risk Weighted Assets (SARbn) +7% 265 268 250 Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 CET1 ratio TC ratio 229 244 246 4-17 Q4-19 3.18 Q3-20 18 Q4-20 Credit risk Operational risk Market risk Investor Presentation - FY 2020 General Business بنك الرياض riyad bank 23

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