Investor Presentaiton

Retail Sales Transformation Strategy Update MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE However, structural and recent shifts in the industry require us to chart a new course for the Bank Recent trends Increasing customer Depressed demand and compressed margins due to COVID-19 sgo expectations around digital sales and service. Imperative to renew effort to reinforce our competitive advantage Growing competitive intensity with recent M&As in the region. Hence Riyad Bank has activated a new phase of the transformation... Corporate Sales Transformation Innovation 2017-2020 Transform core engine Results Presentation - Q1 2021 Performance Culture Transform core engine: performance management and productivity across core business lines, cultivating innovation and digitization culture, and improving the health of the organization. Overhauling 2020 onwards Accelerate growth and innovation Penetrate of new and existing segments through innovative products and services, and improve customer experience. General Business بنك الرياض riyad bank 10 DIGITALLY ENABLED

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