4Q 2023 DATA SUPPLEMENT

Income Statement

Balance Sheet

Operating Segments

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General Business
INCOME STATEMENT
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SAR (mn) 1Q-2021 2Q-2021 3Q-2021 4Q-2021

Special commission income 2,300 2,327 2,175 2,306

Special commission expense (204) (181) (194) (236)
Net special commission income 2,096 2,146 1,982 2,070
Banking services 454 517 537 610
Exchange income, net 86 89 96 101
Investment-related income 178 204 195 163
Other operating income 9 22 7 7
Fee and other income 728 832 835 880
Total operating income, net 2,824 2,978 2,817 2,949
Salaries and employee-related expenses (509) (509) (533) (541)
Rent and premises-related expenses (43) (46) (48) (56)
Depreciation of property and equipment (124) (120) (123) (127)
Other general and administrative expenses (265) (324) (286) (257)
Other operating expenses (41) (12) (18) 18
Total operating expenses before impairment charge (982) (1,012) (1,008) (963)
Impairment charge for credit losses and other financial assets, net (247) (238) (108) (259)
Impairment charge for investments, net (55) (11) 39 25
Total impairment charge (302) (248) (69) (234)
Net operating income 1,539 1,718 1,740 1,753
Share in earnings of associates (11) (9) (13) 0
Net Income for the period before zakat 1,529 1,710 1,727 1,753
Zakat for the period (175) (198) (184) (136)
Net Income for the period after zakat 1,354 1,512 1,543 1,617

Earnings per share 0.45 0.50 0.51 0.54

Dividends per share 0.00 0.50 0.00 0.54
Dividend payout ratio 0.0% 52.4% 34.0% 51.8%
Return on average equity before zakat 13.8% 15.4% 15.2% 15.0%
Return on average common equity 12.2% 13.6% 13.6% 13.9%
Return on average assets before zakat 1.98% 2.19% 2.17% 2.18%
Return on average assets 1.75% 1.93% 1.94% 2.01%
Commission yield 3.46% 3.37% 3.08% 3.16%
Cost of funds 0.31% 0.26% 0.27% 0.32%
NSCI margin 3.15% 3.11% 2.80% 2.84%
Cost to income ratio 34.8% 34.0% 35.8% 32.6%
Cost to AIEA ratio 1.46% 1.46% 1.44% 1.33%
Cost of risk 0.50% 0.45% 0.26% 0.45%

General Business
 QoQ % YoY %
1Q-2022 2Q-2022 3Q-2022 4Q-2022 1Q-2023 2Q-2023 3Q-2023 4Q-2023
Change Change
2,421 2,867 3,527 4,092 4,632 5,066 5,308 5,600 +6% +37%
(289) (470) (855) (1,241) (1,543) (1,957) (2,233) (2,459) +10% +98%
2,132 2,397 2,672 2,852 3,088 3,109 3,075 3,142 +2% +10%
617 628 592 591 574 609 647 554 -14% -6%
124 123 168 218 171 134 152 151 -1% -31%
220 80 56 64 182 93 75 67 -11% +5%
8 2 37 18 21 7 29 18 -37% +2%
970 834 853 891 948 843 903 790 -13% -11%
3,102 3,230 3,525 3,742 4,036 3,952 3,978 3,932 -1% +5%
(547) (556) (584) (570) (609) (649) (657) (626) -5% +10%
(53) (47) (49) (47) (40) (55) (57) (68) +19% +45%
(132) (130) (137) (141) (159) (161) (182) (193) +6% +37%
(296) (296) (341) (403) (345) (349) (377) (393) +4% -2%
(5) (35) (62) 22 (8) (21) (25) 6 -126% -71%
(1,034) (1,064) (1,174) (1,138) (1,162) (1,234) (1,299) (1,274) -2% +12%
(186) (244) (228) (369) (604) (487) (321) (464) +45% +26%
(68) (109) (81) 5 (20) (25) (32) (19) -40% -479%
(255) (353) (308) (364) (624) (512) (353) (483) +37% +33%
1,813 1,813 2,042 2,241 2,250 2,206 2,327 2,175 -7% -3%
(69) (4) (3) (5) 1 4 3 4 +14% -175%
1,744 1,809 2,040 2,235 2,252 2,210 2,330 2,179 -6% -3%
(192) (198) (212) (208) (232) (228) (241) (225) -7% +8%
1,553 1,611 1,828 2,028 2,020 1,982 2,089 1,955 -6% -4%

0.52 0.54 0.60 0.67 0.65 0.64 0.67 0.64 -5% -5%
0.00 0.50 0.00 0.65 0.00 0.65 0.00 0.75 - +15%
0.0% 47.5% 30.5% 49.6% 0.0% 50.7% 33.4% 54.3% +20.9% +4.7%
14.6% 15.3% 17.5% 18.6% 18.2% 17.6% 18.3% 16.7% -1.6% -1.9%
13.0% 13.6% 15.7% 16.8% 16.3% 15.8% 16.4% 15.0% -1.4% -1.9%
2.07% 2.05% 2.31% 2.53% 2.43% 2.30% 2.43% 2.28% -0.15% -0.25%
1.84% 1.82% 2.07% 2.29% 2.18% 2.06% 2.18% 2.05% -0.13% -0.25%
3.12% 3.70% 4.25% 4.89% 5.68% 5.87% 6.10% 6.32% +0.22% +1.43%
0.39% 0.59% 1.03% 1.48% 1.89% 2.27% 2.57% 2.78% +0.21% +1.29%
2.85% 3.00% 3.16% 3.41% 3.79% 3.60% 3.53% 3.55% +0.01% +0.14%
33.3% 32.9% 33.3% 30.4% 28.8% 31.2% 32.7% 32.4% -0.3% +2.0%
1.36% 1.33% 1.43% 1.37% 1.40% 1.42% 1.50% 1.45% -0.05% +0.08%
0.26% 0.50% 0.33% 0.61% 0.92% 0.74% 0.45% 0.67% +0.22% +0.06%

General Business
 YoY %
FY-2019 FY-2020 FY-2021 FY-2022 FY-2023
Change
10,371 9,813 9,108 12,908 20,606 +60%
(2,534) (1,600) (815) (2,855) (8,192) +187%
7,837 8,214 8,293 10,052 12,414 +23%
2,031 1,874 2,118 2,429 2,385 -2%
343 413 372 633 608 -4%
491 626 740 421 417 -1%
15 79 45 64 75 +16%
2,880 2,992 3,275 3,547 3,485 -2%
10,717 11,205 11,568 13,599 15,899 +17%
(1,879) (1,939) (2,092) (2,258) (2,542) +13%
(200) (178) (194) (195) (220) +13%
(439) (488) (493) (541) (695) +29%
(1,036) (975) (1,132) (1,336) (1,464) +10%
(120) (54) (53) (80) (48) -41%
(3,674) (3,635) (3,965) (4,410) (4,969) +13%
(1,012) (2,062) (851) (1,027) (1,875) +83%
48 (44) (2) (253) (96) -62%
(964) (2,106) (853) (1,281) (1,972) +54%
6,079 5,465 6,751 7,909 8,959 +13%
153 19 (32) (80) 12 -115%
6,232 5,484 6,718 7,828 8,971 +15%
(630) (769) (693) (809) (925) +14%
5,602 4,715 6,025 7,019 8,046 +15%

1.87 1.57 2.01 2.32 2.58 +11%

1.07 0.50 1.04 1.15 1.40 +22%
57.3% 31.8% 51.8% 49.6% 54.3% +4.7%
16.1% 12.9% 14.7% 16.2% 17.4% +1.2%
14.5% 11.1% 13.1% 14.5% 15.6% +1.1%
2.51% 1.90% 2.11% 2.28% 2.40% +0.12%
2.26% 1.64% 1.90% 2.05% 2.16% +0.11%
4.66% 3.74% 3.26% 4.00% 6.00% +2.00%
1.14% 0.61% 0.29% 0.88% 2.38% +1.50%
3.52% 3.13% 2.97% 3.11% 3.61% +0.50%
34.3% 32.4% 34.3% 32.4% 31.3% -1.2%
1.65% 1.39% 1.42% 1.37% 1.45% +0.08%
0.59% 1.07% 0.41% 0.44% 0.70% +0.26%

General Business
BALANCE SHEET
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SAR (mn) 1Q-2021 2Q-2021 3Q-2021 4Q-2021

Cash and balances with SAMA, net 34,089 40,854 27,112 25,587
Due from banks and financial Institutions, net 14,280 7,878 17,302 17,645
Investments, net 56,934 57,122 57,451 58,637
Loans and advances, net 196,443 204,743 210,482 217,290
Other assets, net 6,289 6,670 6,310 6,576
Total assets 308,036 317,266 318,657 325,736
Due to banks and other financial institutions 40,412 43,123 42,934 43,134
Customers' deposits 198,598 202,453 203,996 211,678
Debt securities in issue 8,648 8,710 8,648 8,717
Other liabilities, net 16,151 18,430 17,029 14,907
Total liabilities 263,809 272,716 272,607 278,436
Share capital 30,000 30,000 30,000 30,000
Reserves 9,446 9,750 9,698 10,825
Retained earnings 4,782 4,801 6,351 4,855
Proposed dividends 0 0 0 1,620
Total shareholders' equity 44,228 44,551 46,050 47,300
Tier 1 sukuk 0 0 0 0
Total equity 44,228 44,551 46,050 47,300

NPL Ratio 1.96% 1.84% 1.58% 1.65%

NPL Coverage Ratio 123.2% 124.4% 126.3% 123.5%
NIBs % of total 76.6% 63.4% 64.4% 63.9%
Total average earning assets 269,415 277,134 280,310 289,100
Risk weighted assets 274,610 280,517 287,216 298,475
CET1 ratio 16.1% 15.9% 16.0% 15.8%
Tier 1 ratio 16.1% 15.9% 16.0% 15.8%
Capital adequacy ratio 19.7% 19.3% 19.3% 19.0%
Liquidity coverage ratio 180.9% 175.7% 168.5% 167.7%
Net stable funding ratio 128.2% 126.2% 124.6% 116.1%
Loans to customers' deposit ratio (headline) 98.9% 101.1% 103.2% 102.7%
Loans to customers' deposit ratio (SAMA weighted) 77.5% 78.3% 80.1% 80.8%

General Business
 QoQ %
1Q-2022 2Q-2022 3Q-2022 4Q-2022 1Q-2023 2Q-2023 3Q-2023 4Q-2023 FY-2019
Change
25,046 42,486 23,782 33,367 35,190 37,221 26,609 26,175 -2% 29,189
22,683 13,807 20,202 20,613 28,454 22,092 12,004 15,434 +29% 4,735
59,035 53,538 53,246 52,196 54,695 56,388 57,882 58,109 +0% 53,361
234,793 239,650 241,586 242,365 251,983 263,150 267,151 274,398 +3% 173,982
6,911 8,472 9,065 11,112 10,303 10,385 13,365 12,733 -5% 4,521
348,468 357,954 347,881 359,653 380,625 389,236 377,012 386,849 +3% 265,789
42,497 46,838 38,347 38,760 41,024 34,129 34,048 42,464 +25% 13,124
232,416 237,477 235,892 240,007 257,277 272,269 254,719 254,908 +0% 194,518
8,651 8,716 8,672 8,758 8,673 8,768 13,201 13,373 +1% 4,003
14,040 15,472 15,375 15,954 17,815 16,378 17,599 15,847 -10% 13,572
297,603 308,504 298,286 303,480 324,790 331,545 319,567 326,591 +2% 225,217
30,000 30,000 30,000 30,000 30,000 30,000 30,000 30,000 +0% 30,000
10,026 7,607 7,479 10,152 9,856 9,781 9,498 12,418 +31% 7,529
6,406 9,029 9,297 7,500 9,414 11,347 11,384 11,277 -1% 1,392
1,620 0 0 1,950 0 0 0 0 - 1,650
48,051 46,636 46,776 49,602 49,270 51,128 50,881 53,696 +6% 40,571
2,814 2,814 2,819 6,571 6,565 6,563 6,563 6,563 -0% 0
50,865 49,450 49,595 56,173 55,835 57,691 57,444 60,258 +5% 40,571

1.60% 1.66% 1.55% 1.72% 1.52% 1.44% 1.36% 1.24% -8.93% 0.88%
122.6% 119.5% 115.5% 112.0% 117.5% 120.7% 127.9% 142.1% 11.1% 177.3%
64.5% 62.5% 61.9% 59.4% 57.3% 55.6% 53.1% 54.7% +1.5% 58.5%
303,305 320,532 328,962 331,697 330,890 346,462 345,285 351,453 +2% 222,501
313,214 301,635 308,390 310,425 312,670 320,997 325,146 340,107 +5% 249,556
15.4% 15.5% 15.1% 15.9% 15.7% 15.9% 15.6% 15.7% +0.1% 16.3%
16.3% 16.4% 16.0% 18.1% 17.8% 17.9% 17.6% 17.6% +0.0% 16.3%
19.2% 19.5% 19.1% 21.1% 20.7% 20.8% 20.7% 20.7% +0.0% 18.1%
156.6% 172.3% 165.0% 182.0% 187.5% 180.9% 168.8% 159.9% -8.9% 155.3%
117.3% 117.0% 117.5% 118.1% 117.4% 117.7% 113.5% 113.4% -0.1% 120.0%
101.0% 100.9% 102.4% 101.0% 97.9% 96.7% 104.9% 107.6% 2.8% 89.4%
80.3% 78.9% 81.8% 80.5% 78.4% 78.1% 82.0% 81.9% 0.0% 82.3%

General Business
 YoY %
FY-2020 FY-2021 FY-2022 FY-2023
Change
41,954 25,587 33,367 26,175 -22%
13,624 17,645 20,613 15,434 -25%
56,450 58,637 52,196 58,109 +11%
191,347 217,290 242,365 274,398 +13%
6,713 6,576 11,112 12,733 +15%
310,088 325,736 359,653 386,849 +8%
41,789 43,134 38,760 42,464 +10%
203,039 211,678 240,007 254,908 +6%
5,684 8,717 8,758 13,373 +53%
15,221 14,907 15,954 15,847 -1%
265,733 278,436 303,480 326,591 +8%
30,000 30,000 30,000 30,000 +0%
9,427 10,825 10,152 12,418 +22%
4,929 4,855 7,500 11,277 +50%
0 1,620 1,950 0 -100%
44,355 47,300 49,602 53,696 +8%
0 0 6,571 6,563 -0%
44,355 47,300 56,173 60,258 +7%

1.86% 1.65% 1.72% 1.24% -27.79%

124.2% 123.5% 112.0% 142.1% 26.8%
66.4% 63.9% 59.4% 54.7% -4.7%
262,068 279,047 322,913 343,584 +6%
268,134 298,475 310,425 340,107 +10%
16.5% 15.8% 15.9% 15.7% -0.2%
16.5% 15.8% 18.1% 17.6% -0.4%
19.1% 19.0% 21.1% 20.7% -0.3%
199.5% 167.7% 182.0% 159.9% -22.1%
129.9% 116.1% 118.1% 113.4% -4.7%
94.2% 102.7% 101.0% 107.6% 6.7%
74.5% 80.8% 80.5% 81.9% 1.4%

General Business
OPERATING SEGMENTS
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SAR (mn) 1Q-2021 2Q-2021 3Q-2021 4Q-2021

CORPORATE

Loans and advances, net 129,956 135,776 137,652 140,413

Total assets 135,106 141,795 147,178 145,839
Deposits 108,699 111,951 115,443 120,174
Total liabilities 142,215 151,117 152,385 153,532

Net special commission income 826 826 637 753

Fee and other income 277 320 317 357
Total operating income 1,103 1,146 954 1,111
Total operating expenses before impairment charge (222) (245) (259) (198)
Impairment charge (387) (220) (146) (167)
Net income for the period before zakat 494 682 550 745

RETAIL

Loans and advances, net 66,405 68,718 72,543 76,480

Total assets 78,807 81,932 81,714 89,583
Deposits 89,899 90,502 88,553 91,505
Total liabilities 97,090 97,470 94,568 97,885

Net special commission income 914 925 923 913

Fee and other income 15 48 36 (27)
Total operating income 929 973 959 886
Total operating expenses before impairment charge (669) (661) (634) (642)
Impairment charge 157 (29) 29 (91)
Net income for the period before zakat 418 283 354 154

TREASURY & INVESTMENTS

Investments, net 56,934 57,122 57,451 58,637

Total assets 92,038 91,474 86,506 87,237
Total liabilities 23,859 23,340 24,828 26,069

Net special commission income 316 346 417 301

Fee and other income 268 294 306 285
Total operating income 584 640 723 586
Total operating expenses before impairment charge (39) (45) (42) (32)
Impairment charge (73) 1 48 24
Share in eanings of associates (11) (9) (13) 0
Net income for the period before zakat 461 587 717 579

RIYAD CAPITAL

General Business
Loans and advances, net 81 249 287 397
Total assets 2,085 2,066 3,259 3,077
Total liabilities 644 789 826 950

Net special commission income 39 49 5 102

Fee and other income 168 170 175 264
Total operating income 208 219 180 366
Total operating expenses before impairment charge (52) (61) (74) (91)
Impairment charges, net 0 0 0 0
Net income for the period before zakat 156 157 106 275

General Business
 QoQ % YoY %
1Q-2022 2Q-2022 3Q-2022 4Q-2022 1Q-2023 2Q-2023 3Q-2023 4Q-2023
Change Change

153,340 155,609 155,250 155,293 162,348 169,511 171,847 177,894 +4% +15%
160,402 163,261 162,123 161,774 170,171 175,940 180,352 186,405 +3% +15%
136,958 141,037 141,761 143,739 156,597 167,601 151,392 149,189 -1% +4%
166,983 171,975 172,902 174,279 188,830 190,159 174,232 172,291 -1% -1%

989 1,150 1,278 1,366 1,631 1,646 1,667 1,664 -0% +22%
381 393 434 372 401 391 574 418 -27% +13%
1,370 1,543 1,712 1,737 2,033 2,037 2,241 2,082 -7% +20%
(251) (233) (261) (372) (280) (305) (343) (426) +24% +15%
(139) (172) (154) (268) (432) (358) (226) (462) +104% +72%
979 1,138 1,296 1,097 1,321 1,374 1,672 1,194 -29% +9%

80,350 83,305 85,315 86,356 88,968 92,982 94,540 95,424 +1% +11%
94,487 98,178 99,441 101,339 103,721 108,010 109,353 111,614 +2% +10%
95,458 96,440 94,130 96,268 100,681 104,668 103,327 105,719 +2% +10%
101,556 102,974 99,322 102,150 107,099 110,712 108,490 111,192 +2% +9%

1,044 1,109 909 958 1,070 974 979 1,008 +3% +5%
35 66 34 (0) 47 37 15 (10) -165% +9229%
1,079 1,175 943 958 1,118 1,011 994 998 +0% +4%
(680) (725) (789) (669) (761) (781) (836) (736) -12% +10%
(47) (73) (75) (100) (171) (130) (94) 1 -101% -101%
353 376 79 188 186 100 65 263 +307% +40%

59,035 53,538 53,246 52,196 54,695 56,388 57,882 58,109 +0% +11%
90,394 93,595 83,483 92,029 102,334 100,847 82,998 85,293 +3% -7%
28,104 32,823 25,263 26,264 27,948 30,048 36,389 42,663 +17% +62%

31 75 428 468 329 425 362 396 +9% -15%

349 210 209 284 364 262 168 203 +21% -29%
380 286 638 753 694 687 531 599 +13% -20%
(35) (32) (37) (39) (47) (70) (36) (56) +56% +42%
(69) (108) (80) 5 (22) (25) (32) (21) -34% -548%
(69) (4) (3) (5) 1 4 3 4 +15% -175%
208 142 519 713 626 596 466 526 +13% -26%

General Business
 428 234 174 245 247 338 398 516 +30% +111%
3,186 2,920 2,834 4,511 4,399 4,438 4,308 3,538 -18% -22%
960 732 799 786 912 626 456 444 -3% -44%

67 62 57 60 57 64 67 74 +11% +24%
205 165 176 235 135 153 146 179 +22% -24%
273 227 233 295 192 217 213 253 +19% -14%
(68) (75) (87) (58) (73) (78) (85) (56) -33% -2%
0 0 0 0 0 0 0 0 - -
205 153 145 237 119 139 128 196 +53% -17%

General Business
 YoY %
FY-2019 FY-2020 FY-2021 FY-2022 FY-2023
Change

117,718 127,074 140,413 155,293 177,894 +15%

123,120 133,272 145,839 161,774 186,405 +15%
111,947 116,996 120,174 143,739 149,189 +4%
124,794 150,436 153,532 174,279 172,291 -1%

3,045 3,193 3,043 4,783 6,608 +38%

1,194 1,108 1,272 1,578 1,785 +13%
4,239 4,301 4,314 6,362 8,393 +32%
(899) (849) (924) (1,117) (1,354) +21%
(1,103) (2,024) (919) (734) (1,478) +101%
2,237 1,428 2,472 4,511 5,560 +23%

56,152 64,214 76,480 86,356 95,424 +11%

69,754 77,251 89,583 101,339 111,614 +10%
82,569 86,043 91,505 96,268 105,719 +10%
83,485 91,941 97,885 102,150 111,192 +9%

3,316 3,564 3,675 4,020 4,032 +0%

404 181 72 135 90 -34%
3,720 3,745 3,747 4,155 4,122 -1%
(2,433) (2,431) (2,605) (2,863) (3,114) +9%
86 (33) 66 (295) (394) +33%
1,373 1,281 1,208 996 614 -38%

53,361 56,450 58,637 52,196 58,109 +11%

71,341 97,195 87,237 92,029 85,293 -7%
16,511 22,791 26,069 26,264 42,663 +62%

1,334 1,279 1,380 1,003 1,512 +51%

836 1,126 1,153 1,053 998 -5%
2,170 2,405 2,534 2,056 2,510 +22%
(123) (132) (158) (143) (208) +46%
53 (49) 1 (251) (100) -60%
153 19 (32) (80) 12 -115%
2,253 2,244 2,344 1,581 2,214 +40%

General Business
 111 59 397 245 516 +111%
1,574 2,370 3,077 4,511 3,538 -22%
428 565 950 786 444 -44%

142 177 195 246 262 +6%

447 576 778 781 613 -22%
589 754 973 1,027 874 -15%
(219) (223) (279) (287) (292) +2%
0 0 0 0 0 -
370 531 694 740 583 -21%

General Business