Investor Presentaiton

OUR FINANCIAL RESULTS | FUNDING DETAILS Lower CBDs resulting in favorable deposit mix and lower COF QoQ Funding Mix, (SARmn) 173,730 5% 4% 161,268 5% 159,388 153,753 1% 6% 1% 8% Customer Deposit Breakdown, (SARmn) 158,458 150,955 148,368 144,820 142,226 141,898 42% CBDs 43% 51% 48% Customer deposits 87.3% 47% 87.0% 46% 82.6% 91% 94% 93% 92% Sukuks, etc NCBDs 79.7% 78.4% 58% 80.2% 57% 49% 52% 53% 54% Due to banks, others LDR Ratio 2016 2017 2018 Q3'19 2016 2017 2018 Q1'19 Q2'19 Q3'19 |BSF Investor Relations Non-commission Bearing Deposits, (SARmn) 92,167 85,808 75,727 72,138 1.25% 75,152 76,521 1.17% 1.07% 1.54% 1.58% 1.47% Cost of Funds 2016 2017 2018 Q1'19 Q2'19 Q3'19 | 15

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