Riyad Bank · TADAWUL:1010
Riyad Bank — Q1 2022 Earnings Presentation
38 slides from Riyad Bank's earnings presentation, May 11, 2022
Slide 1: Results Presentation Q1 2022
Sli wlis Suen bank Results Presentation Riyad Bank Earnings Conference 1Q 2022 Wednesday, May 11h 2022 General Business
Slide 2: Content
RiyadBankInvestorPresentation-Q1 2022 ma @ @ Z Most BANK OF DIGITALLY Co ntent PROFTTABLE © EFFICENT «© CHONG ENABLED Riyad Bank at glance Q1 2022 Financial results Management highlights Business segments Strategy update mt ESG at Riyad Bank Appendix alypll ely Results Presentation Q1 2022 General B
Slide 3: Riyad Bank at a glance
+15% 22% 41% 10% 9% 10% 8% General Business 3
Slide 4: Management highlights
▪ – – – ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ General Business 4
Slide 5: Strategy update
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Slide 6: Recent trends: Value through innovation
Recent trends Value through innovation • Efficiency through digitization • • Enablement through next gen operating model General Business 6
Slide 7: General Business
• • • • • • • • • • • • • General Business 7
Slide 8: ESG at Riyad Bank
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Slide 9: ESG at Riyad Bank
ESG at Riyad Bank Riyad Bank plays a strong role in contributing to the growth of Saudi Arabia, and even more soto its sustainable development. For this reason, we have integrated Environmental, Social and Governance (ESG) principles into our flagship sustainable finance program, namely the Bukra in
Slide 10: Riyad Bank's ESG journey
Riyad Bank’s ESG journey • • • • • • • • • • • • 10 General Business
Slide 11: General Business
◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ General Business
Slide 12: ESG highlights Q1-2022
ESG highlights Q1- 2022 12 General Business
Slide 13: Economic environment
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Slide 14: Economic environment: Global economy
Economic environment Global economy Key highlights . Global growth is projected to slow from an estimated 6.1 percent in 2021 to 3.6 percent in 2022 and 2023. This is 08 and 0.2 percentage points lower for 2022 and 2023 than projected in January, according to IMF WEO April 2022. 81 . Inflation conti
Slide 15: Economic environment: Domestic economy
Economic environment Domestic economy Key highlights POS Consumer Spending rose by 25.2 % YoY in Feb 2022 supported by a strong pickup in Retail, Services, and Food/Beverages sectors. Oil prices are expected to remain elevated through the second half of 2022 as the conflict in Europe created signifi
Slide 16: Financial results overview
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Slide 17: Financial results overview: Q1 2022 key highlights
Financial results overview a @ @ @ Q1 2022 Vs. Q1 2021 Balance Sheet Income Statement K highligh prorfiap.e eFricienT = CHOICE. «ENABLED. Q1 2022 Key highlights 13.1% 19.5% 3.7% 17.0% 1.5% Total assets Loanand Investments, net Customer Demand & other advances, net deposits deposits " Credit related
Slide 18: Balance sheet
QoQ % YoY % 1Q 2022 4Q 2021 1Q 2021 change change 47,729 43,232 +10.4% 48,370 -1.3% +7% 59,035 58,637 +0.7% 56,934 +3.7% 234,793 217,290 +8.1% 196,443 +19.5% 348,468 325,736 +7.0% 308,036 +13.1% 232,416 211,678 +9.8% 198,598 +17.0% 8,651 8,717 -0.8% 8,648 +0.0% 297,603 278,436 +6.9% 263,809 +12.8% 4
Slide 19: General Business
2% 7% 7% 17% 67% General Business 19
Slide 20: General Business
3% 5% 14% 78% 47 76 82 152 136 150 General Business 20
Slide 21: Income statement
QoQ % YoY % 1Q 2022 4Q 2021 1Q 2021 change change +14% 2,132 2,070 +3.0% 2,096 +1.7% 970 880 +10.2% 728 +33.2% 3,102 2,949 +5.2% 2,824 +9.8% (1,034) (963) +7.4% (982) +5.2% 2,068 1,987 +4.1% 1,842 +12.3% (186) (259) -28.0% (247) -24.5% (68.4) 25.2 -371.6% (55.5) +23.3% 1,813 1,753 +3.4% 1,539 +17.8%
Slide 22: Margins and income trends
+10% +10% 3.46% 3.37% 3.30% 3.24% 3.08% 3.16% 3.15% 3.11% 2.93% 2.80% 2.84% 2.85% +33% 0.43% 0.37% 0.32% 0.32% 0.45% 0.30% General Business 22
Slide 23: Operating expenses
+5% Other G&A Employee- Related Depreciation Premises- Related General Business 23
Slide 24: Credit quality
Financial results overview a @ @ @ Cre dit qu ality PRORTTABLE EFFICIENT CHOICE ENABLED Stable asset quality trends with solid NPL coverage ratio Impairment Charge for Credit Losses, Net (SARmn) Cost of Risk (YTD %) 1.07% 648 -41% } 0.48% 0.40% 0.41% 249 229 244 0.26% | a 139 a 148 Q4-20 Ql1-21 Q2-2
Slide 25: Capital ratios
+11% 0.20 Common equity tier 1 capital Tier 1 capital Tier 2 capital 0.15 +14% 0.10 CET1 ratio T1 ratio TC ratio Q1-21 Q4-21 Q1-22 Credit risk Operational risk Market risk General Business 25
Slide 26: Liquidity and funding
62 103.2% 102.7% 55 0.104 101.1% 52 52 53 51 98.9% 101.0% 0.102 0.100 200% 0.098 181% 99.0% 98.6% 176% 168% 168% 157% 0.09694.2% 97.4% 97.0% 0.094 0.092 94.8% 0.090 0.088 91.7% 0.086 Q1-21 Q2-21 Q3-21 Q4-21 Q1-22 130% 128% 130 126% 125% 14 120 116% 117% 12 110 10 Q4-20 Q1-21 Q2-21 Q3-21 Q4-21 Q1-22
Slide 27: Business segments
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Slide 28: Retail
QoQ % YoY % 1Q 2022 4Q 2021 1Q 2021 change change 94,138 91,223 +3% 78,807 +19% 101,586 98,183 +3% 97,090 +5% +19% +5% 975 915 +7% 914 +7% 35 (28) -224% 15 140% 1,010 886 +14% 929 +9% (680) (629) +8% (669) +2% (48) (91) -48% 157 -130% 282 166 +70% 418 -32% +9% -32% Retail 16% General Business 28
Slide 29: Corporate
QoQ % YoY % 1Q 2022 4Q 2021 1Q 2021 change change 160,826 144,200 +12% 135,106 +19% 166,959 153,234 +9% 142,215 +17% +19% +17% 801 745 +7% 826 -3% 385 389 -1% 277 39% 1,186 1,134 +5% 1,103 +8% (252) (212) +19% (222) +13% (139) (167) -17% (387) -64% 796 756 +5% 494 +61% +61% +8% 46% Corporate General
Slide 30: Treasury and investments
QoQ % YoY % 1Q 2022 4Q 2021 1Q 2021 change change 90,434 87,235 +4% 92,038 -2% 28,100 26,069 +8% 23,859 +18% +18% -2% 288 354 -19% 316 -9% 344 255 35% 268 29% 632 608 +4% 584 +8% (34) (31) +10% (39) -14% (69) 25 -379% (73) -6% - (69) 0 (11) +537% 127150% 461 602 -23% 461 +0% +8% 0% 26% Treasury and
Slide 31: Riyad Capital
QoQ % YoY % 1Q 2022 4Q 2021 1Q 2021 change change 3,071 3,078 -0% 2,085 +47% 959 950 +1% 644 +49% +12% 67 56 +20% 39 +72% 205 264 -22% 168 22% 273 320 -15% 208 +31% (68) (91) -26% (52) +30% 205 229 -10% 156 +32% +31% +32% Riyad Capital 12% General Business 31
Slide 32: Guidance
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Slide 33: 2022 guidance
Mid teens 0 bps - +10 bps Below 35% 40 bps -60 bps Above 15% Above 14.5% General Business 33
Slide 34: Q&A
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Slide 35: Appendix
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Slide 36: Government programs
Appendix Government programs SAR 290+bn in combating adverse impact of COVID-19 on Saudi Econom Saudi Arabian Monetary Authority (SAMA) To Private sector Ministry of Ministry of Finance Interior Corporate Retail SMEs Deferred Payments Program ended on 31st March, 2022 Freetransfers between local ban
Slide 37: Riyad Bank contact
Appendix Riyad Bank contact Contact the investor relations for more information: Najla AlMutairi Investor Relations Telephone: +966 114013030 Ext.2448 E-mail: najla.almutairi@riyadbank.com Address: Riyadh - Al Shuhada District Eastern ring road Granada Oasis -Tower (A1) P.O Box 22622 Riyadh 11416 Ki
Slide 38: 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