FY20/21 Investor Presentation

FY 2022 Guidance | Continuation of excellent results and strategy execution Balance Sheet Financing FY 2020 Actual FY 2021 Latest Guidance FY 2021 Actual FY 2022 Guidance SAR 315.7bn 38% -41% +43.4% High teens 4.71% -45 bps to -55 bps -50 bps -45 bps to -55 bps Net profit margin Profitability Cost to income ratio 32.5% ROE Below 28.0% 26.9% Below 27% 19.94% 23% -24% 23.9% 23% -24% Asset Quality Cost of risk 0.75% 0.60% -0.70% 0.60% 0.50% 0.60% Capital Tier 1 ratio 18.0% 17% - 18% 16.5% 17% - 18% FY20 21 Investor Presentation 42 &

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