3Q 2020 Investor Presentation

Strategy Update ABCDE 'Back to Basics' strategy delivered strong results in 3Q 2020 A Accelerated Growth B Become Employer of Choice C Customer Focus مصرف الراجحي Al Rajhi Bank D E Digital Leadership Execution Excellence +3% YoY operating income growth Al Rajhi Bank Academy 15 new products launched to cater to customers' needs 169K POS 270 Bots +88% YoY growth in mortgages +12% YoY growth in current accounts -49bps YoY net profit margin drop School of Banking Enhanced Distribution Network 5K ATMs 32 ITMs Graduate Program Highest Rated Banking Mobile app 350 Self Service Kiosks to 4.72% 36,164 training days delivered Maintain high Net Promoter Score in KSA 7.2mn active digital users 20K transactions per day Migrated to Tier 4 Data Center Further enhanced turnaround time Mortgage Financing (SARbn) Employee Engagement Index Net Promoter Score Digital: Manual Ratio Transactions per month (Avg.) +342% 2.4X 4.4 X +100% +222% 20.0 88.4 27% 66% 14% 62% 40:60 80:20 101m 325m 2015 Al Rajhi Bank Exceed Industry 9M 2020 2015 9M 2020 2015 9M 2020 2015 9M 2020 2015 9M 2020 Higher Engagement Most Recommended The Blue Chip Islamic Bank 23 Best-In-Class Deliver 3Q 2020 Investor Presentation

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