1Q 2021 Results Presentation - Bank of the Future

Expenses Trends Digital platforms drive cost efficiencies and higher positive jaws مصرف الراجحي Al Rajhi Bank Cost To Income Ratio Trend (%) 32.6% 33.3% 33.4% 32.5% 27.8% Cost to Income Ratio drivers (%) 32.6% -4.8% 0.4% 0.4% 27.8% -3.6% -1.7% -0.3% 1Q 20 NII Non Yield Staff Depreciation G&A 1Q 21 1Q 20 1H 20 9M 20 FY 20 1Q 21 Operating Expenses (SARmn) +1.9% Operating Expenses Growth Drivers By Type (SARmn) 1,621 1,634 1,724 1,763 1,652 1,621 24 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 Al Rajhi Bank 1Q 2021 Results Presentation 13 +1.9% (17) 23 1,652 1Q 20 Salaries & benefits Depreciation Other G&A 1Q 21 expenses Bank Of The Future 8

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