compare between percentage for each ratio alone for axample , CAR: By comparing 2019 to 2020, ROA rose by 1 percent, but then declined by 0.08 percent in 2021, indicating that "Riyad Bank" was able to effectively control their assets in 2020 to generate higher levels of revenue, but then decreased. This means that with every dollar invested on assets, they will produce SAR0.91 in 2021, which is not bad but may be better

Capital adequacy ratio: Ratio 2019 2021 2020 19.07% CAR 18.07% 18.99% Non-performing loans: Ratio 2019 NPL 0.88% 2020 2021 1.86% 1.65% Provision for loan loss ratio: Ratio 2019 2020 2021 PLL 0.57% 1.05% 0.38% Liquidity 1: Ratio 2019 2020 2021 Liquidity 12.76% 17.92% 13.27% Liquidity 2: Ratio 2019 2020 2021 Liquidity 110.06% 103.65% 95.43% Capital adequacy ratio: Ratio 2019 2021 2020 19.07% CAR 18.07% 18.99% Non-performing loans: Ratio 2019 NPL 0.88% 2020 2021 1.86% 1.65% Provision for loan loss ratio: Ratio 2019 2020 2021 PLL 0.57% 1.05% 0.38% Liquidity 1: Ratio 2019 2020 2021 Liquidity 12.76% 17.92% 13.27% Liquidity 2: Ratio 2019 2020 2021 Liquidity 110.06% 103.65% 95.43%