3Q 2020 Investor Presentation

Corporate Banking High impairment charge drives net income to decrease Highlights ■ Corporate Banking net income decreased by (-47% YoY) as a result of higher impairment charge. ■ Total operating income decreased by (-3% YoY). Financing activities decreased by (-0.3% YoY) and fees decreased Total operating income Operating expenses Total impairment charge by (-14% YoY). Net Income (SARmn) 642 -5.5% مصرف الراجحي Al Rajhi Bank SAR (mn) 9M 2020 9M 2019 YOY 3Q 2020 3Q 2019 YOY Net financing and investment income 1,521 1,526 -0.3% 607 514 +18.0% Fee and other income 309 358 -13.6% 134 113 +18.3% 1,830 1,884 -2.9% 741 627 +18.1% 335 244 +37.4% 185 77 +140.0% 690 133 +420.4% 88 56 +158.4% Net income for the period 806 1,508 -46.6% 467 494 -5.5% Total assets 63,954 Total liabilities 75,543 64,265 -0.5% 23,164 +226.1% 75,543 63,954 64,265 -0.5% 23,164 +226.1% Net Income Growth Drivers By Type (SARmn) -46.6% 541 473 494 467 1,508 199 (5) (49) 806 (91) 139 (557) 1Q 19 2Q 19 3Q 19 4Q 19 1Q 20 2Q 20 3Q 20 9M 19 Finan- cing Other Expenses Income Impair- 9M 20 ments Al Rajhi Bank The Blue Chip Islamic Bank 41 3Q 2020 Investor Presentation

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