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Annual Report 2019 PDF (4MB) Riyad Bank 4 Annual Report 2019 King Salman bin Abdulaziz Al Saud Custodian of the Two Holy Mosques His Royal Highness Prince Mohammed bin Salman bin Abdulaziz Al Saud, the Crown Prince, Deputy Prime Minister and Minister of Defense Table of Contents Riyad Bank 6 Annual Report 2019 Management Governance 60 Message from the Chairman 10 Board Members 12 Board of Directors 14 90 Executive Management 16 Economic Review Key Activities, Strategy 18 and Outlook and Goals Summary of 2019 Financial achievements for 2019 Statements Retail Banking 26 Auditors’ Report 104 Diamond and Golden Banking 28 Consolidated Statement of 111 Private Banking 28 Financial Position Corporate Banking 29 Consolidated Statement of Income 112 Overseas Branches 31 Consolidated Statement of 113 Table Digital Banking 31 Comprehensive Income Treasury and Investment 33 Consolidated Statement of 114 Changes in Shareholders’ Equity Business Technology 34 Consolidated Statement of Business Technology Governance 35 116 Cash Flows Compliance 36 Notes to the Consolidated 118 Human Capital 37 Financial Statements Communication and Customer 38 of Contents Experience Awards 39 Corporate Social Responsibilit 40 Head Office, 192 Regional and Overseas Islamic Banking 41 Offices Effectiveness of Internal Control 42 Procedures Risk Management 43 Credit Risk 44 Market Risk and Liquidity 44 Financial Crime Risks 45 Operational Risk 45 Information Security Risks 46 Disclosures under Pillar 3 of Basel 46 III Recommendations Stress Tests 46 Financial Results 46 Disclosure of Data of Small, Medium 55 & Micro Enterprises Riyad Bank Annual Report 2019 7 Management Riyad Bank 8 Annual Report 2019 Our Vision To be the most innovative and trusted financial solutions partner. Our Mission To help people, organizations and society achieve their aspirations by being their trusted and caring financial solutions partner. Our Values We Care We Win We are One Team Riyad Bank Annual Report 2019 9 Eng. Abdullah Mohammed Al-Issa Message from the Chairman The Board Members are pleased to present you with the 2019 annual report, highlighting the performance of Riyad Bank during the said year, which was characterized by the economic opportunities and fluctuations that prevailed the various financial divisions in the Kingdom and the world as well. How well Riyad Bank responded to such opportunities played a great role in boost- ing its performance and was reflected in the results. The Board of Directors has always believed that challenges can also turn into opportunities for improvement and innovation. The results that we reviewed and provide you within the 2019 annual report, which bears witness to the durability and efficiency of the 2022 transformation strategy, came to confirm the qualitative and quantitative development in the various divisions and activities of the bank. Following the footsteps of the historical transformation experienced by the Kingdom at the economic, political, social and cul- tural levels, and in keeping with “Vision 2030”, Riyad Bank continued to pursue the ambitious Vision of our country, boosting its contribution to the economic transformation, improving the efficiency of the services and products, developing solutions, stim- ulating investment, and creating job opportunities. Therefore, in 2019, we launched a “Vision 2030” office to define the strategic directions and plans of the bank, with all its divisions and subsidiaries, and outline how well they are aligned with the Vision’s goals. In addition, this office was intended to periodically review and measure the performance of such divisions and subsidiaries according to the bank’s strategy, thus concluding the extent to which they realize the required goals. The Saudi economic growth achieved was a result of the ambitious Vision of HRH, Prince Mohammed bin Salman – may Allah protect him – who laid the foundations of a Saudi productive economy by expanding treasury financing options, developing new economies parallel to the oil-based economy through stimulating investment and supporting small and medium enterprises, strengthening part- nership with the private sector, encouraging recreational tourism, and many other economic solutions that usher in the future of the Kingdom. In the same way, by the end of 2019, the total assets of the Bank amounted to SAR 265,789m. The loan portfolio increased by 15.2% to a total of SAR 173,982m. Meanwhile, customer deposits increased by 14.54% to SAR 194,518m. This growth resulted in an increase in net commission income by 18.24%, to a total of SAR 7,837m. As a result of the bank’s core businesses, the realized profit increased by 81,2%, with a total of SAR 5,602m in net profit dur- ing 2019. Moreover, in 2019, Riyad Bank was highly active in terms of financing SMEs by providing special credit offers with terms that cater to the financing needs of such critical projects. This scheme was achieved in the context of our response to “Vision 2030” by expanding the private sector contribution through supporting startups. Riyad Bank 10 Annual Report 2019 The achievements went beyond financial performance and included another pivotal aspect that we made sure to bring about with efficiency and high quality, extending more care for our customers through the unique and luxurious benefits that keep up with our strategy. This way, the Bank maintained the leadership and solidified its position as the premier bank that delivers un- matched services and results. Pursuing the same level of competence and care, we were keen to make the work environment in Riyad Bank more ideal. This approach paid off effectively and culminated in stellar results and maximized gains. For example, the bank’s headquarters moved to the new workplace in the building of Granada Oasis, which had significant importance in motivating staff of all categories to innovate. “The Heart of Riyadh” building in Olaya neighborhood was the other suitable building selected to accommodate all other divisions and departments of the bank, at the very center of the city. Moreover, we made a point of improving policies that enhance employee performance; we continued building their capacities and increasing their commitment to customers through 13,025 training opportunities for internal and external specialized programs, as well as attracting and maintain the best talents. As a result, the Human Capital Division garnered the best “Leadership Development Program” award and the Excellence in HR Management and Recruitment Talent prize in 2019. In 2019, a comprehensive strategy was launched for “Bukra” corporate Social Responsibility (CSR) program. “Bukra” strategy was based on the best practices and review of the latest models in place both locally and globally, taking into consideration contribution to “Vision 2030” and its conformity with the UN Sustainable Development Goals. In 2019, a comprehensive strat- egy was launched for “Bukra” corporate Social Responsibility (CSR) program. “Bukra” strategy was based on the best practices and review of the latest models in place both locally and globally, taking into consideration contribution to “Vision 2030” and its conformity with the UN Sustainable Development Goals. In the same year, the Digital Partnerships Program was launched and linked to a SAR 100m investment fund, making Riyad Bank the first ever in the Kingdom with venture capital to invest in Fintech. Riyad Bank had a remarkable presence in local and international conferences and forums in 2019, participating in the Financial Sector Conference, the “Future of Investment” initiative (AKA “Davos in the desert”), and Zakat and Tax Conference 2019 in Riyadh. Globally, the Bank participated in several meetings of World Economic Forum in Jordan, China, and Geneva, as well as HSBC Forum for International Emerging Markets Investors, GB Morgan Saudi Investment Forum in New York, and the Saudi Mor- gan Stanley Conference. Further, Riyad Bank held a series of meetings in Washington alongside the joint annual meetings of the International Monetary Fund and the World Bank. As we march into 2020, we emphasize our optimistic view of the promising opportunities that the new year holds. We are con- fident that Riyad Bank will maintain its course towards progress and growth, with a focus on keeping the lead and realized gains. While moving towards new dimensions of simulating the rapid growth of the Kingdom economy and the promising development opportunities, Riyad Bank will deliver the best results that reflect the reputation and track record of Riyad Bank. Under the wise leadership of the Custodian of the Two Holy Mosques, King Salman bin Abdulaziz, and his Crown Prince, His Royal Highness Prince Mohammed bin Salman - may Allah protect them and grant them success for the well-being of the country and the people- we remain committed and devoted. To conclude, I am pleased to extend my deepest gratitude and appreciation to my brothers, the Board members, on the occasion of the end of 2019 fiscal year for their keenness, cooperation, and care for the interests of the bank. I also extend my thanks and gratitude to our shareholders and our valued customers for their trust and loyalty. Thanks to His Excellency, the Governor of the Saudi Arabian Monetary Authority and all the departments of the Foundation, for their role in enhancing the safety and durability of the banking system and for supporting the national economic process. We also extend our sincere thanks and appreciation to all officials and employees, members of the Riyad Bank family, and its subsidiaries for their efforts and heartfelt, genuine giving. Eng. Abdullah Mohammed Al-Issa Chairman of the Board Riyad Bank Annual Report 2019 11 Board Members Eng. Abdullah Mohammed Al-Issa -Chairman of the Board -Chairman of the Strategic Planning Group Eng. Mutaz Kusai AlAzzawi -Vice-Chairman of the Board -Chairman of the Nominations & Compensations Committee -Member of the Executive Committee Mr. Ibrahim Hassan Sharbatly -Board Member -Member of the Strategic Planning Group Mr. Jamal Abdul-Karim Al-Rammah -Board Member -Head of the Audit Committee -Member of the Risk Management Mr.
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