Investor Presentaiton

Summary Profile Riyad Bank is the third largest bank in Saudi Arabia Profile / Strategy / Sustainability / Environment / Financials / Appendix Our Mission: To be the most innovative & trusted financial solutions partner Our Employees: Employees 3Q 2023 Key Metrics Assets SAR bn Loans, Net SAR bn Deposits SAR bn SAMA LDR Ratio Female Employees 7,259 31% Operating Income Cost to Income Ratio 377 3Q: 4.0 9M: 12.0 SAR bn 30.9% Pre-Impairment Operating Cost of Risk* Income 3Q: 2.7 267 9M: 8.3 SAR bn 0.70% Net Income T1 Capital 255 SAR bn 2.1 LCR NSFR 82.0% 168.8% Riyad Bank - Investor Presentation - 30/09/23 * Credit risk only Our Presence: London China (Soon) Houston Singapore H.O in Saudi Arabia, Riyadh Rating LT ST Outlook Branches (Licensed) 335 S&P Global A- A-2 Stable 17.6% Ratings **ATMs Fitch Ratings A- F2 Stable 2,214 **Pos 113.5% Moody's A2 P-1 Positive 216,927 **Source: SAMA bulletin September 2023 General Business 4

View entire presentation