3Q 2020 Investor Presentation

Capitalisation Trends Capital position well above regulatory minima Highlights ■ Total Capital increased by (+7.5% YTD). ■ Risk weighted assets increased by (+10.8% YTD) mainly driven by growth in credit risk. Improved CAR at (19.3%), and CET1 at (18.2%) driven by growth in total capital. CET1 Movment (%) 18.8% -1.2% RWA (SARbn) مصرف الراجحي Al Rajhi Bank Total Capital (SARbn) +10.8% 302 272 31 54 31 8 53 +7.5% 58 гз ו־ 262 55 51 234 4Q 19 Credit risk Market risk 3Q 20 Operational risk 4Q 19 3Q 20 Tier 1 Capital (CET1) ■Tier 2 capital (T2) Capital Ratios (%) -0.6% 2.5% 19.5% 19.9% 0.0% 18.2% 18.6% 19.0% 19.3% -1.8% 4Q19 Dividends YTD Profit Other RWA 3Q 20 reserves Al Rajhi Bank The Blue Chip Islamic Bank 37 18.5% 18.8% 17.6% 18.0% 18.2% 3Q 19 4Q19 1Q 20 2Q 20 3Q 20 -TC ratio ――CET1 ratio 3Q 2020 Investor Presentation

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