3Q 2020 Investor Presentation
Gross loans by Stage
17.9%
Asset Quality Trends (2)
Healthy stage coverage and prudent risk management
Highlights
96% of the portfolio is stage 1, above industry coverage across all
the stages.
■ Gross charge of SAR 2,523mn has been taken including SAR
295mn of COVID-19 overlay.
■ Further assessments of SICR and ECL are has been performed,
will review it regularly inline with the current environment.
ECL Coverage (%)
76.36%
مصرف الراجحي
Al Rajhi Bank
2.4
2.3
- 8.6
285.0
9.4
245.8
240.1
3Q 19
4Q19
3Q 20
Stage 1
Stage 2
Stage 3
ECL Allowance (SARmn)
84.88%
7.3
7.0
7.2
76.9%
1.8
1.8
2.1
27.88%
31.7%
2.6
2.7
2.4
24.97%
1.18%
1.0%
0.96%
2.8
2.5
2.7
Al Rajhi Bank
3Q 19
4Q19
3Q 20
Stage 1
Stage 2
Stage 3
The Blue Chip Islamic Bank
35
3Q 19
4Q 19
3Q 20
Stage 1
Stage 2
Stage 3
2.5
9.5
3Q 2020 Investor PresentationView entire presentation