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3Q 2020 Investor Presentation

Progress against guidance and outlook Revised guidance to reflect current macro environment مصرف الراجحي Al Rajhi Bank FY 2019 Actual FY 2020 Latest Guidance 3Q 2020 Actual FY 2020 Revised Guidance Balance Sheet Financing, Net (SAR bn) 249.7 Low teens digit growth 289.7 (16%) High teens digit growth Net Profit Margin 5.22% -55 bps to -35 bps 4.72% (-50 bps) -55 bps to -35 bps Profit- ability Cost to Income Ratio 32.8% Below 33% 33.4% Below 33% Asset Quality Cost of Risk 0.71% 0.80% 1.00% 0.78% 0.70% -0.90% Capital & Liquidity CET1 Ratio 18.8% 17% -19% 18.2% 17% -19% ROE after Zakat 20.49% 18%-20% 19.16% 18%-20% Al Rajhi Bank The Blue Chip Islamic Bank 27 3Q 2020 Investor Presentation

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