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Financial results overview Credit Quality Stable asset quality trends with solid NPL coverage ratio Impairment Charge for Credit Losses, Net (SARmn) 335 303 -18% 648 570 466 249 Cost of Risk (YTD %) MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 1.07% 0.95% 0.96% 0.78 0.67% Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 FY-19 Q1-20 H1-20 NPL Ratio (%) Cost of Risk calculation = NPL Coverage (%) 9M-20 FY-20 0.50% Q1-21 Annualized YTD Impairment charge for credit losses, net Avg gross loans and advances 1.86% 1.96% 193.6 177.3 174.9 1.50% 142.9 124.2 123.2 0.88% 1.01% 1.02% Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Results Presentation - Q1 2021 General Business بنك الرياض riyad bank 20

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