Riyadh on 24/02/2020 ELEMENT LIST Current YEAR PREVIOUS YEAR % Change Total Revenue from Special Commissions/Financing & Investments 3,262 3,902 -16.402 Net Income from Special Commissions/Financing & Investments 2,322 2,278 1.932 Total Operation Profit (Loss) 2,846 2,818 0.994 Net Profit (Loss) before Zakat and Income Tax 1,229 330 272.424 Net Profit (Loss) 980 239 310.042 Total Comprehensive Income 1,442 761 89.449 Total Share Holders Equity (after deducting minority equity) 13,331 12,007 11.027 Assets 99,885 100,815 -0.922 Investments 30,514 26,175 16.577 Loans and Advances Portfolio (Financing & Investment) 55,074 57,113 -3.570 Customer Deposits 60,144 69,058 -12.908 Profit (Loss) per Share 1.28 0.17 All figures are in (Millions) Saudi Arabia, Riyals Element Explanation The reason of the increase (decrease) in the net profit during the current year compared to the last year is Net profit increased by 310% primarily due to a decrease in total operating expenses which was due to a decrease in provisions for credit and other losses, other general and administrative expenses, and rent and premises related expenses which was offset by an increase in salaries and employee-related expenses, depreciation and amortization, and provisions for Zakat and Income Tax. Total operating income increased by 1% primarily due to an increase in net special commission income, fee income from banking services, exchange income, gains on FVOCI debt securities, and dividend income which was offset by a decrease in fair value through profit and loss, and other income. Statement of the type of external auditor's report Unmodified opinion. Reclassification of Comparison Items None. Additional Information Earnings per share for the year ended December 31, 2020 was 1.28 SAR, which was calculated by dividing net income adjusted for Tier I Sukuk costs by 675 million shares representing the weighted average of the issued and outstanding shares after giving effect to the purchase of 56.2 million and 18.7 million Treasury shares on September 27, 2018 and May 28, 2019 respectively. Earnings per share for the year ended December 31, 2019 was 0.17 SAR, which was calculated by dividing net income adjusted for Tier I Sukuk costs by 683 million shares representing the weighted average of the issued and outstanding shares after giving effect to the purchase of 56.2 million and 18.7 million Treasury shares on September 27, 2018 and May 28, 2019 respectively.