Saudi Arabia Banking Pulse

2 All major banks, except SNB and BJAZ, reported an increase in LDR Loans-to-Deposits ratio (%) 110 105 100 95 95 مصرف الإنماء alinma bank البلك السعودي الفرنسي Banque Saudi Fransi بنك البلاد Bank Albilad البنك السعودي للاستثمار 90 The Saudi Investment Bank 85 55 60 80 بنك الجزيرة BANK ALJAZIRA 75 70 70 0 100 العربي anb 200 Note: The green zone is an area of healthy liquidity Source: Financial statements, A&M analysis SABB بنك الرياض riyad bank ساد مصرف الراجحي Q2'21 Q3'21 Q2'21 Av Q3'21 Av Al Rajhi Bank SNB 300 400 500 600 700 800 8 900 1000 Total Asset (SAR Bn) 91.5% 90.0% KEY TAKEAWAYS Aggregate LDR increased from 90.0% in Q2'21 to 91.5% in Q3'21 • ALINMA reported the highest increase in LDR (+9.0% points QoQ) BJAZ (-1.8% QoQ) and SNB were the only banks that reported fall in LDR during Q3'21 (-0.1% points QoQ) ALVAREZ & MARSAL

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