Riyad Capital is a closed joint stock company with a capital of SAR 500 Mn., wholly owned by Riyad Bank and licensed by the Capital Market Authority to provide dealing services as principal and agent, underwriter, arrangement, management, advice and custody of securities. It is headquartered in Riyadh.

Among its most important goals is innovation and the development of investment products that meet the needs of different segments of its clients. The most important achievements in 2020 were the following:

• High volume of assets managed to reach SAR 67 Bn. approximately 34% higher than in 2019.
• High volume of assets under conservation to reach nearly SAR 42 Bn., an increase of almost 292% over 2019.
• High volume of local stock trading with an increase of almost 138% over 2019.
• High volume of international equities trading up approximately 305% over 2019.
• Continuing to offer global real estate investment products in distinctive locations that meet the needs of Riyad Capital's clients.
• The Riyad Global Equity Fund was recently awarded the Lipper Award as the best global equity fund in the MENA region, performing for over 10 years.
• Serving as a co-financial advisor, co-underwriter, and underwriting manager for institutions participating in the offering of shares of Dr. Sulaiman Al-Habib Medical Services Group Company.

Riyad Capital is an integrated investment platform that provides multiple investment solutions and products through its various activities. These include investment banking solutions and products for companies that provide specialized financial for
all investment banking activities, including managing the issuance of Sukuk, bonds, and companies' shares. In addition, it provides consulting services in the field of mergers and acquisitions, and structured financing operations.

The brokerage and distribution services department has provided the necessary tools for analyzing the data, which helps investors make their decisions. The administration has also recently made it possible to attract new customers directly through the digital platform without the need to visit the bank's branches or company centers, which contributed to providing better customer service, and at the same time increased operational efficiency.

In terms of international brokerage services, the outstanding performance of international stock trading services continued. Riyad Capital is the first licensed brokerage firm in the Kingdom to provide a service for dealing in currency contracts (Forex) through online channels or the Riyadh Forex application. Riyad Capital added many services such as research and graphical analysis, as the number of clients doubled and the net profit achieved from this service was double, in addition to innovation in investment products that are offered to customers and meet their needs.

As for local brokerage services, the margin trading product attracted a lot of clients, which led to an increase in the number of investors benefiting from this product. The securitization of local stocks continued to be enhanced in cooperation with Riyad Bank, which contributed significantly to enhancing the profitability of local trading services. Riyad Capital also provides local and international custodian services for all securities.

During the year, Wealth Management continued to strengthen the investment culture of its customers through“Investment consulting” services provided to major customers privately and professionally across three centers in Riyadh, Khobar, and Jeddah. Our services help them identify investment choices accurately and carefully, which had a significant impact on the growth of the company's activity in the areas of asset management and brokerage services.

Riyad Capital provides its services through six investment centers in addition to free phone services, as well as through electronic channels, which include “Riyad Capital Online”and mobile applications for domestic and international trading services, forex, and Riyad Capital interactive phone. Riyad Capital customers are also served through Riyad Bank branches.

Ithraa Riyadh is a limited liability company, wholly owned by Riyad Bank, registered in the KSA and headquartered in Riyadh, with a paid-up capital of SAR 10,000,000, comprised of 1,000,000 shares with a nominal value of SAR 10 per share. The company provides services for holding and managing the discharged assets of the owner and others, such as guarantees, sale and purchase of real estate, for the financing purposes for which it was established.

Riyadh Insurance Agency, is a limited liability company, wholly owned by Riyad Bank, with a paid- up capital of SAR 500,000. The Company is registered in the Kingdom, and its headquarters is in Riyadh. The company presently markets and sells insurance products that are provided by the International Cooperative Insurance Company to Riyad Bank, and for its individual and corporate clients. In the future the Company may expand its activities to include customers of the Saudi insurance market. The Riyadh Insurance Agency has signed a bank insurance agreement with the International Company for Cooperative Insurance, and an agreement on distributing insurance products with Riyad Bank. The Company has obtained the necessary approvals from the Saudi Arabian Monetary Agency to carry out these activities.

Curzon Street Properties Limited is a wholly owned subsidiary of Riyad Bank and incorporated in the Isle of Man for the specific purposeof owning real estate in the United Kingdom.

Riyadh Financial Markets Company is licensed in the Cayman Islands, and it specializes in implementing derivative transactions and repurchase agreements with international parties on behalf of Riyad Bank.

Riyadh Assnad Company for Human Resources is a limited liability company established in 2020 wholly owned by Riyadh Bank and its paid-up capital is SAR 500,000, comprised of one share. It is registered in KSA, and is headquartered in Riyadh. The company provides operational human resource services exclusively for Riyad Bank and its subsidiaries, with the aim of reducing costs and risks to the Bank that would result from reliance on external operating companies.