Investor Presentaiton
Financial results overview
Expenses Trends
MOST
PROFITABLE
MOST
EFFICIENT
BANK OF
CHOICE
DIGITALLY
ENABLED
Continued cost efficiency improvement driven by income growth, despite continued investment in
the Bank's transformation program
Operating Expenses (SARmn)
Operating Expenses Growth Drivers by Type (SARmn)
+6%
1,107
925
958
982
861
890
925
(2)
+6%
9
52
982
Q4-19
Q1-20
Q2-20
Q3-20
Q4-20
Q1-21
Q1-20
Related
Employee- Premises Depreciation Other G&A
Related
Q1-21
Cost to Income Ratio (YTD %)
34.3
32.4
32.1
31.9
31.8
34.8
Q1 2021 Operating Expenses Mix by Type (SARmn)
Other G&A
31%
SAR 982 mn 52% Employee-Related
13%
Depreciation
4%
FY-19
Q1-20
H1-20
9M-20
FY-20
Q1-21
Premises- Related
Results Presentation - Q1 2021
General Business
بنك الرياض
riyad bank 19View entire presentation