Investor Presentation - FY 2020

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) -13% -1% 1,107 903 925 958 3,674 60 49 3,635 861 890 (22) (127) Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 FY 19 Employee- Related Premises Depreciation Other G&A Related FY 20 Cost to Income Ratio (YTD %) 32.0 34.3 32.4 32.1 31.9 31.8 FY 2020 Operating Expenses Mix by Type (SARmn) Other 28% SAR 3,635 mn 54% Employee-Related 13% Depreciation 5% 9M-19 FY-19 Q1-20 H1-20 9M-20 FY-20 Premises-Related Investor Presentation - FY 2020 General Business بنك الرياض riyad bank 21

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