FY20/21 Investor Presentation

Corporate Banking | Net income growth driven by growth and lower impairment charges Corporate Total Operating Income (SARmn) YOY SAR (mn) FY 21 FY 20 % +0.1% 1,079 Net financing and investment income 2,440 2,332 +4.6% 905 948 907 Fees and other income 1,080 399 +170.8% Total operating income 3,520 2,731 +28.9% 587 Operating expenses (537) (326) +64.8% Total impairment charge (566) (1,015) -44.2% Net income for the period 2,417 1,390 +73.8% 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 Total assets Total liabilities 88,031 207,506 66,837 108,515 +31.7% +91.2% Net Income Before Zakat (SARmn) 590 460 -36.8% 780 804 Net Income Before Zakat Growth Drivers By Type (SARmn) 681 1,390 108 372 +73.8% (211) 448 2,417 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 FY 20 Yield Non-Yield Expenses Impairments FY 21 FY20 21 Investor Presentation 45 8

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