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ACCELERATING GROWTH AND INNOVATION

Annual Report 2021

Leadership

Chairman’s Statement

CEO’s Message

Investment Case

Strategic Review

Operating Review

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About Riyad Bank
At a Glance

01 OVERVIEW

Our Journey
Year in Review 2021
Geographic Footprint
Theme Chapter
Investment Case

02 STRATEGIC REVIEW

Chairman’s Statement
Business Model
Strategy and KPIs
CEO’s Message
Market Overview
COVID-19 Impact and Response
Financial Results
Operating Review
Retail Banking
Corporate Banking
Treasury and Investments
Subsidiaries
Digital Transformation
Customer Experience

03 ESG REVIEW

Our society
Environmental
Governance

04 FINANCIAL STATEMENTS

Independent Auditors’ Report
Consolidated Statement of Financial Position
Consolidated Statement of Income
Consolidated Statement of Comprehensive Income
Consolidated Statement of Changes in Shareholders’ Equity
Consolidated Statement of Cash Flows
Notes to the Consolidated Financial Statements

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