Investor Presentation
Income Statement 5-year Summary
Total Operating Income (SARmn)
NSCI Margin (%)
+11% CAGR
3.52%
13,599
3.33%
10,717
11,205
11,568
8,967
YOY
2018
+20%
LLLI
3.13%
3.11%
2.97%
Profile / Strategy / Sustainability / Environment / Financials / Appendix
Cost to Income Ratio (%)
Cost of Risk* (%)
37.3%
1.07%
34.3%
34.3%
32.4%
32.4%
0.64% 0.59%
0.41% 0.44%
+18%
2019
2020
2021
2022
2018 2019 2020 2021
2022
2018 2019 2020 2021 2022
2018 2019
2020 2021 2022
Net Income (SARmn)
+23% CAGR
YOY
ROAE, ROAA Before Zakat (%)
16.1%
16.2%
14.7%
7,019
12.5%
12.9%
6,025
5,602
4,715
3,092
ROAE, ROAA (%)
8.2%
14.5%
14.5%
13.1%
11.1%
2.11%
2.51%
1.90%
2.11%
2.28%
2.26%
1.39%
1.64%
1.90%
2.05%
+81%
-16%
+28%
+16%
2018
2019
2020
2021
2022
2018
2019
ROAE before zakat
2020
2021
ROAA before zakat
2022
2018
2019
2020
2021
2022
ROAE
ROAA
Riyad Bank - Investor Presentation - 30/09/23
*Credit risk only
General Business
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