Investor Presentation - FY 2020

2021 Outlook 2021 Guidance Riyad Bank Guidance Guidance Metric MOST PROFITABLE MOST EFFICIENT BANK OF CHOICE DIGITALLY ENABLED FY 2019 2020 latest Guidance FY 2020 2021 Guidance Loans, Net SAR174 Bn (+15% YoY) Low-mid double digit % growth SAR191 Bn (+10% YoY) High single digit % growth NSCI Margin (%) 3.48% - 25bps to -40bps 3.13% -10bps to -20bps Cost to Income (%) 34.3% Below 34% 32.4% Below 34% Cost of Risk (%) 0.59% 0.95% to 1.05% 1.07% 0.8% to 1.0% CET1 (%) 16.3% Above 14.0% 16.5% Above 15% ROAE Before Zakat (%) 16.1% Above 13.0% 12.9% Above 12% Investor Presentation - FY 2020 General Business بنك الرياض riyad bank 31

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