Investor Presentation - FY 2020

Financial results overview FY 2020 Key Highlights FY 2020 Vs FY 2019 Balance Sheet Income Statement Asset Quality MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED 16.7% 10.0% 5.8% 4.4% 18.5% Total assets Loan and advances, net Investments, net Customer deposits Demand & other deposits 15.8% 4.8% 3.9% 4.6% Net income NSCI Fee and other income Total operating income • NPL ratio 1.86% and NPL coverage at 124 % • Capital position: CET1 ratio of 16.5% and Total Capital Adequacy Ratio of 19.1%. Increase in Credit related impairment by 105% mainly due to updating banks' macro-economic factors and overlays in current period Cost of Risk in FY 2020 increased by 48 bps to 107 bps compared to FY 2019. Strong funding and liquidity with Regulatory Loans to Deposits Ratio of 75%, Net Stable Funding Ratio of 130% and Liquidity Coverage Ratio of 200%. • Leverage Ratio of 11.8%. Investor Presentation - FY 2020 General Business بنك الرياض riyad bank 15

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