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Investor Presentaiton

Financial results overview Assets & Lending Strong loan growth mainly driven by commercial and mortgage loans Loans & Advances Growth Drivers (SARbn) MOST PROFITABLE Mortgages Loans, Gross (SARbn) +21% MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED +3% 41 39 36 37 191 2 4 0 196 34 31 (1) Q4-20 Overdrafts Credit Cards Consumer Commercial Other Loans Loans Q1-21 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q1-21 Loans & Advances, Net by Type (SARbn) 183 +7% 191 196 114 120 124 59 64 66 1 0 0 1-7 1 Q1-20 Q4-20 Q1-21 Overdrafts Credit Cards Consumer Loans Commercial Loans Other Loans Results Presentation - Q1 2021 General Business Total Assets Mix (SARbn) 2% 11% 5% 64% SAR 308 bn 18% Cash & Balances with SAMA Due from Banks & Other Financial Institutions Investments, Net Loans & Advances, Net Other Assets, Net بنك الرياض riyad bank 15
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