marKET Riyad Bank is one of the largest financial institutions in Saudi Arabia and the Middle East, with a strong corporate and retail banking franchise. The total assets of the bank as of 31st December 2013 were SAR 205,246 million, with a total operating income of SAR 7,131 million from both local and overseas operations. The bank takes pride in its excellence in Saudisation, where the overall percentage reached 93% of the bank’s 5,000+ workforce. All female staff at the bank are 100% Saudi nationals and they make up 20% of the bank’s workforce.

Mobilising its substantial capital base, and with decades of expertise, Riyad Bank is a leading financier and arranger of syndicated loans in the oil, petrochemicals, and most of the Kingdom’s notable infrastructure projects.

Today, the bank offers its clients an accessible network of more than 252 branches spread throughout the Kingdom, with 80 ladies sections and twenty self-service electronic branches. The bank has also kept its lead in the ATMs network, as the number of multi-functional ATMs exceeded 2,562 machines distributed in strategic and carefully selected locations within the Kingdom. The bank also offers services abroad through its overseas operations, mainly London Branch in the UK, Houston Agency in the United States and a representative office in Singapore. Riyad Bank’s remote banking package (RiyadNet) uses the latest electronic technologies to address the banking needs of its customers.

achiEvEmEnTSIn the credit card segment, Riyad Bank launched the new Islamic Platinum Visa Credit Card with its unique features, such as the VIP lounge

membership available at most international airports worldwide. Moreover, Riyad Bank was commended by the MasterCard Company for selling 100,000 MasterCard Titanium cards within a few months from launch date. As a result, Riyad Bank achieved significant growth in credit cards compared to other banks in the Middle East.

In December 2013, Riyad Bank launched the exclusive Visa FIFA World Cup 2014 Platinum Credit Card giving 24 winners an opportunity to win full packages to attend the World Cup in Brazil, all-inclusive, travel tickets, accommodation and transportation. Riyad Bank is the only bank in KSA to issue this Visa credit card.

Riyad Bank continues to provide new and sophisticated services to its Private Banking and Golden Service customers, thus constantly achieving satisfactory increases in the customer base for both services. Recently, several new branches were inaugurated specifically for Golden Service customers, bringing the total number of Golden Service centers to 60, in addition to four Private Banking centers kingdom wide.

When it comes to corporate banking, Riyad Bank recognises the importance of small and medium size enterprises in the Saudi economy, which is reflected by the results of “Kafalah” programme as Riyad Bank continues to maintain the leading role in funding such projects.

On the other hand, Riyad Capital (Riyad Bank’s investment banking arm) is a leading player in the IPO advisory business and asset

management in Saudi Arabia, having won numerous investment awards in categories ranging from “best mutual performance” to “best fund manager”.

ProducTRiyad Bank is constantly working towards improving its offering through initiating and

supplying products and services tailor made to customers’ needs, thus strengthening the Bank’s leading position across various banking activities.

In the retail sector Riyad Bank’s focus is on enhancing the quality and efficiency of services involved

in the process of core asset products the bank offers, mainly Credit Cards, Consumer Loans, Auto Leasing and Mortgages.

Riyad Bank continues to develop its broad range of Islamic banking products that are Sharia compliant based on a clear methodology approved by the Bank’s Sharia Committee. As a result, Riyad Bank successfully launched additional Islamic products related to treasury and corporate banking.

Due to the important role the Small and Medium Enterprise segment plays in the Saudi economy, Riyad Bank established an Emerging Enterprises Unit as a central sales unit along with a number of centres spread across the Kingdom to professionally service the SME customers and meet their financial and non-financial needs. The Emerging Enterprises Unit at Riyad Bank seeks to build a strong relationship with SME enterprises by offering them a variety of programmes along with financial and financing consultation to support them with their projects and to assist them in developing their managerial and financial skills.

Riyad Bank provides, through its wholly-owned subsidiary, Riyad Capital, an array of investment services including asset management, brokerage and a wide range of mutual funds. Riyad Capital develops innovative and selective investment products that meet investors’ and customers’ needs through its “Asset Management Department”, which works to expand its services in the private investment portfolio management covering major individual customers, corporates and public institutions. The Asset Management Department continues

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its growth thus placing Riyad Capital funds among the best performing funds in the market, the fact which helps Riyad Capital maintain a leading share in the Saudi investment fund market. In the area of corporate investment banking, Riyad Capital is privileged to have a qualified and dedicated team with broad experience and extensive expertise in providing specialised financial advice covering all investment banking activities including Sukuk issuance and IPOs, in addition to advisory services in mergers and acquisitions and structured financing.

rEcEnT dEvEloPmEnTSRecognising the Bank’s leadership in the credit card segment, MasterCard strategically chose Riyad Bank to introduce its first “World Elite MasterCard” in Saudi Arabia, in June 2013. The programme associated with World Elite MasterCard is designed especially to meet the needs of the Bank’s elite clients, offering them a gold card, compatible with the principles of Sharia, with special global services through the World Elite MasterCard Centre.

With Saudi Arabia being the biggest market in the region in terms of remittance transactions and volumes, Riyad Bank launched its specialised money transfer company, EZTRANSFER which offers fast and easy money transfer services through Western Union, one of the leading global providers of such services. Social Responsibility In addition to marketing the Bank’s products and services, Riyad Bank takes pride in presenting itself as a leader when it comes to corporate social responsibility. The Bank has a long history of sponsoring and helping the needy. Charity and philanthropic work take a large portion of the Bank’s calendar of activities. Corporate Social Responsibility is a social support concept adopted by Riyad Bank. The Bank is committed to the global concept of social responsibility that requires programmes, plans and strategies to differentiate between philanthropic work and sustainable development, because Corporate Social Responsibility

encompasses values that have far greater and long term effects in comparison to one-off charitable donations.

Accordingly, Riyad Bank’s social responsibility endeavours involve all sectors Kingdom-wide including health, academic, educational, sports, recreational along with the usual support for charity organisations.

Some of the most prominent support and sponsorship projects undertaken by the Bank are:-

In the health sector, Riyad Bank launched the organ donation campaign in partnership with King Saud University (KSU) students, aiming to boost awareness of the importance of organ donation. The Bank also sponsored the Zahra Breast Cancer campaign, for the fifth year in a row, to help spread awareness of the importance of early screening in fighting the battle against breast cancer. In addition to the ongoing charitable efforts in the health sector, Riyad Bank donated medical equipment to the Maternity and Children Hospital in Qassim Region to cover the hospital medical needs for patients, pregnant women and children.

The Bank also worked on sponsoring numerous charity organisations in remote

villages in Hail region by providing medical equipment for elderly patients in the area. The Bank offered many gifts to King Abdulaziz Hospital in Jeddah, as well as sponsored the international diabetes day convention at the Makkah Maternity and Children’s Hospital.

Furthermore, Riyad Bank sponsored the “Yadawi”

programme, run by the Heritage Arts Group and Al-Nahda charity organisation. The programme encourages females with special needs to make handmade heritage items and handicrafts which Riyad Bank buys and then gives to prominent businessmen as gifts to help raise awareness of this programme.

Due to the success in sponsoring the first agricultural training programme at the Mental Education Institute, in the Easter region in KSA, Riyad Bank continues supporting the second Agricultural Training programme by training an even larger number of graduates in the Eastern region, as this programme has proved to be so vital and beneficial.

Moreover, Riyad Bank continues to sponsor the ‘Book Award’, ever since its inception five

years ago, in collaboration with the Riyadh Literature Club, which aims to honour creative writers in various fields Kingdom-wide.

brand valuESRiyad Bank is always committed to its values being:-• Exceed customer expectations• Serve society proudly• Take personal responsibility• Encourage high performance• Seek improvement and support team effort

Riyad Bank has been working very hard towards a simple yet very important vision: “We will be the leading Saudi bank, first in quality, first in value, first in caring for our customers and responding to their needs, by continuously improving our services while enhancing our shareholders’ value”.

www.riyadbank.com

Things you didn’t know aboutriyad bank

93% of Riyad Bank’s workforce are Saudi nationals. 20% are females, all of whom are Saudis.

Riyad Bank was the first bank in KSA to introduce the prestigious World Elite MasterCard back in June 2013

Despite the numerous risks impacting the banking industry worldwide, Riyad Bank has succeeded in maintaining its (A+) rating by Standard & Poor’s rating agency for long-term liabilities, and an (A-1) rating for short-term liabilities - the highest rating available.

In 2013, the Human Resources division at Riyad Bank provided more than 14,000 training opportunities, both locally and internationally.

Riyad Bank was the first Bank to open a ladies’ branch in the Kingdom in 1981.

In 1981Riyad Bank is a leader in mortgage lending; providing finance for prospective homeowners.

Riyad Bank won the “Best local bank in Saudi Arabia” award for 2013 by EMEA Finance magazine

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