Riyad Bank · TADAWUL:1010
Riyad Bank — FY2020 Earnings Presentation
36 slides from Riyad Bank's earnings presentation, Mar 4, 2021
Slide 1: Results Presentation FY 2020
Us) ulis eet bank | 1 = Results Presentation FY 2020 A ks Thursday, March 4t*, 2021 ‘ weg oe. . a 7 il oe riyad 01 = = a BOhyoo General Business Tite. - =e =e iim i i
Slide 2: Contents
RiyadBank Investor Presentation—FY 2020 Contents Who WeAre 03 Strategy Overview Macroeconomic Overview Strategy Update Investor Presentation—FY 2020 ah @ @ Most BANK OF DIGITALLY PROFITABLE EFFICIENT CHOICE ENABLED FY 2020 Financial Results Business Segments mt 2021 Outlook Appendix General Business
Slide 3: Who We Are
22% 35% 17% 9% 8% 9% General Business 3
Slide 4: Who We Are
▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ General Business 4
Slide 5: KSA Macroeconomic Environment
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Slide 6: KSA Macroeconomic Environment
Source: Ministry of finance, SAMA, , Riyad capital General Business 6
Slide 7: KSA Macroeconomic Environment
Source: Ministry of finance, SAMA, , Riyad capital General Business 7
Slide 8: KSA Macroeconomic environment: Government programs
KSA Macroeconomic environment Government programs SAR 290+bn in combating adverse impact of COVID-19 on Saudi Econom Saudi Arabian Monetary Authority (SAMA) ai MOST PROFITABLE & re ; 6 2 J Most _-BANKOF enfin DIGITALLY CHOICE ENABLED Saudi Human Resources Ministry of Ministry of Finance Interior To
Slide 9: Vision 2030 initiatives
KSA Macroeconomic environment Vision 2030 initiatives edie ote «= EE BEY Riyad Bank is fully committed to the success of the National Agenda VISION G_I9) 1. Project Support Fund #1 # of MOUs digas) aut a'oo! Tourism gaia 2. Facility Guarantee ecep men Rene 3. Project Finance 4. Supportive Initiative
Slide 10: Strategy Update
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Slide 11: General Business
26 12 5 7 • • • General Business 11
Slide 12: Strategy Update
Strategy Update i @€ 9 4 Most BANK OF DIGITALLY PROFITABLE EFFICIENT CHOICE ENABLED However, structural and recent shifts in the industry require us to chart a new course for the Bank Recent trends Increasing customer Depressed demand and Imperative to renew Growing competitive expectations around d
Slide 13: Efficiency through digitization
Strategy Value through innovation Efficiency through digitization Accelerate growth and innovation Enablement through next gen operating model Aspiration General Business 13
Slide 14: Financial Results Overview
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Slide 15: Financial results overview: FY 2020 Key Highlights
Financial results overview a @ @ @ Most BANK OF DIGITALLY FY 2 02 6) Key H ig h | ig hts PROFITABLE —_EFFICIENT CHOICE ENABLED FY 2020 Vs FY 2019 16.7% 10.0% 5.8% 4.4% 18.5% Balance Sheet 4+} 4} Total assets Loanand Investments, net Customer Demand & other advances, net deposits deposits 15.8% 4.8%
Slide 16: General Business
+17% +18% General Business 16
Slide 17: General Business
2% 14% 4% 18% 62% General Business 17
Slide 18: General Business
6% 2% 16% 76% 56 68 81 114 145 135 General Business 18
Slide 19: General Business
-12% -16% 5,602 4,715 General Business 19
Slide 20: General Business
+5% +5% 4.67% 4.46% 4.19% 3.93% 3.57% 3.30% 3.55% 3.39% 3.19% 3.28% 3.11% 2.93% 1.31% 1.25% 1.18% +1% 0.74% 0.52% 0.43% General Business 20
Slide 21: Other Employee- Related Depreciation
-1% Other Employee- Related Depreciation Premises- Related General Business 21
Slide 22: Credit Quality
Financial results overview Most BANK OF a6 TALLY Credit Quality Su ar BES Stable asset quality trends with solid NPL coverage ratio Impairment Charge for Credit Losses, Net (SARmn) Cost of Risk (YTD %) +93% v 648 570 466 335 303 — LJ L| Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 9M-19 FY-19 Q1-20 H1-20 9M-
Slide 23: Capital
+13% 0.20 Common equity tier 1 capital Tier 2 capital 0.15 +7% 0.10 CET1 ratio TC ratio Q4-19 Q3-20 Q4-20 Credit risk Operational risk Market risk General Business 23
Slide 24: Liquidity and funding
62 94.8% 0.096 94.8% 52 51 93.8% 94.2% 50 93.6% 46 0.094 43 190% 200% 0.092 89.4% 165% 155% 168% 160% 92.2% 91.2% 91.7% 0.090 91.5% 90.2% 0.088 87.6% 0.086 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 130% 130% 130 14 123% 120% 120115% 115% 12 110 10 Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 Q4-20 Q3-19 Q4-19 Q1-20 Q2-20 Q3-2
Slide 25: Business Segments
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Slide 26: Retail
+11% +11% +1% -7% Retail 23% General Business 26
Slide 27: Corporate
+8% +20% +1% -36% Corporate 26% General Business 27
Slide 28: Treasury and investments
+36% +38% +10% -1% 41% Treasury and investments General Business 28
Slide 29: Riyad Capital
YoY % QoQ % FY 2020 FY 2019 4Q 2020 3Q 2020 change change +34% +30% +47% 10% Riyad Capital General Business 29
Slide 30: 2021 Outlook
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Slide 31: 2021 Guidance
2021 Outlook 2021 Guidance Riyad Bank Guidance m © Most MosT PROFITABLE EFFICIENT e BANK OF DIGITALLY CHOICE ENABLED Guidance Metric FY 2019 2020 latest Guidance FY 2020 2021 Guidance Li Net SAR174 Bn Low-mid double digit % SAR191 Bn High single digit % om (+15% YoY) growth (+10% YoY) growth NSCI Ma
Slide 32: Appendix
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Slide 33: Bukra corporate social responsibility strategy
“Bukra”, a comprehensive and long-term corporate social responsibility strategy, is aligned with the best practices of the most important local, regional and global frameworks, including Vision 2030, and the UN Sustainable Development Goals • • • • • • • • • • • • General Business 33
Slide 34: General Business
• • • • • • • • • • • • • • • • General Business 34
Slide 35: Riyad Bank Contact
Appendix Riyad Bank Contact Contact the investor relations for more information: Ibrahim Al-Muhanna Head of Investor Relations Telephone: +966 11401 3030 Ext. 2499 E-mail: ibrahim.al-muhanna@ri nk.com Address: Riyadh - Al Shuhada District Eastern ring road Granada Oasis -Tower (A1) P.O Box 22622 Riy
Slide 36: Disclaimer
Appendix a @ @ @ BANK OF DIGITALLY Disclaimer ee This presentation has been prepared by Riyad Bank solely for informational purposes. The presentation may contain forward looking statements, which reflect Riyad Bank's beliefs or current expectations and assumptions regarding the future of the busine