Investor Presentation - FY 2020

Business Segments Corporate Banking Strong loans and deposits growth SAR (mn) FY 2020 FY 2019 YoY % change QoQ % 4Q 2020 3Q 2020 change MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED Total Assets (SARbn) Total Liabilities (SARbn) Total assets 133,404 Total liabilities 123,120 149,573 124,794 +8% +20% 133,404 149,573 134,640 150,430 -1% -1% +8% 133 +20% 150 Net special commission income 3,203 3,045 +5% 790 842 -6% 123 125 Fee and Commission income 1,102 1,182 -7% 219 325 -32% net Operating income 4,302 4,239 +1% 1,005 1,162 -14% Operating expenses (849) (899) -6% (222) (196) +13% Impairment charge (2,025) (1,103) +84% (620) (595) +4% Net income before Zakat 1,428 2,237 -36% 163 371 -56% Q4-19 Q4-20 Q4-19 Q4-20 FY 2020 Net Income Contribution by Segment Operating Income (SARmn) Net Income before Zakat Growth Drivers by Type (SARmn) +1% 4,239 4,302 158 2,237 Corporate 95 26% Investor Presentation - FY 2020 -36% 50 1,428 921 FY-19 FY-20 FY-19 NSCI Fee & ExpensesImpairments FY-20 Other Income General Business بنك الرياض riyad bank 27

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