1Q 2021 Results Presentation - Bank of the Future

Asset Quality Trends (1) Asset quality remains healthy and NPL coverage remains strong and stable مصرف الراجحي Al Rajhi Bank Impairment Charges (SARmn) & COR (%) 1.05% 0.85% 0.78% 0.75% 0.67% 693 1,151 1,616 2,166 577 1Q 20 1H 20 9M 20 FY 20 1Q 21 COR (%) I Net Impairement Charge (SARmn) NPL Ratio Trends (%) 3.22% Net Allowances (SARmn) -16.7% 140 693 (255) 577 1Q 20 Gross Allowance Recoveries 1Q 21 NPL Coverage Trend (%) 2.81% 2.71% 2.51% 2.13% 1.07% 1.02% 0.84% 0.76% 293.0% 305.4% 317.7% 0.70% 253.2% 252.8% 0.33% 0.40% 0.26% 0.30% 0.32% 1Q 20 - NPL ratio 2Q 20 3Q 20 --Retail 4Q 20 1Q 21 --Corporate Al Rajhi Bank 1Q 2021 Results Presentation 14 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 Bank Of The Future 8

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