Investor Presentaiton

Financial results overview Financial Highlights - Balance Sheet MOST PROFITABLE Strong balance sheet growth supported by continued growth in loans and placements SAR (mn) Total Assets Growth Drivers (SARbn) 1Q 2021 4Q 2020 QoQ % change 1Q 2020 YoY % change MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED -1% 310 0 5 308 Cash and balances with SAMA and financial 48,370 55,579 -13.0% 32,792 +47.5% (8) institutions Investments, net 56,934 56,450 +0.9% 54,144 +5.2% Loans and advances, net 196,443 191,347 +2.7% 182,784 +7.5% Total assets 308,036 310,088 -0.7% 279,697 +10.1% Q4-20 Investments, net Customer deposits 198,598 203,039 -2.2% 192,902 +3.0% Loans & advances, net Others Q1-21 Debt securities in issue Total liabilities 8,648 Total shareholders' equity 5,684 263,809 265,733 44,228 44,355 -0.3% 37,797 +52.1% -0.7% 9,692 241,899 -10.8% Total Liabilities Growth Drivers (SARbn) +9.1% -1% +17.0% 266 4 264 (4) (1) Risk weighted assets Tier 1 ratio 16.1% 16.5% 274,610 268,134 +2.4% 258,056 -2.6% 14.6% +6.4% +10.0% Total capital adequacy ratio 19.7% 19.1% +3.1% 18.8% +4.8% Q4-20 Customer deposits Due to banks & other Others Q1-21 financial Results Presentation - Q1 2021 General Business institutions بنك الرياض riyad bank 14

View entire presentation