Saudi Arabia Banking Pulse

1 ALRAJHI outperformed its peers on L&A and deposits growth performance L&A Growth QoQ (%) 9.0 Gained Financing MS 8.0 7.0 6.0 5.0 4.0 3.0 2.8 2.0 مصرف الإنماء alinma bank 1.0 0.0 -10.0 SABB Lost Deposits & Financing MS -8.0 -6.0 ساب بنك البلاد Bank Albilad العربي anb بنك الرياض riyad bank SNB البنك السعودي الفرنسي Banque Saudi Fransi Gained Deposits & Financing MS مصرف الراجحي - بنك الجزيرة BANK ALJAZIRA Al Rajhi Bank Q2'21 Av Gained Deposits MS KEY TAKEAWAYS L&A of the top ten banks increased by 2.8% QoQ in Q3'21, while deposits grew by 1.2% in Q2'21 ■ L&A (ex-SNB*) grew by 3.8% (-1.4% points) in Q3'21, while deposits (ex- SNB*) grew by 1.6% (-2.7% points) • ALRAJHI reported L&A growth of 7.9%, while deposits grew by 6.9% ■ L&A growth was driven by 9.3% QoQ increase in retail loans, while deposits grew due to 29.4% QoQTT increase in time deposits ALINMA reported 7.3% QoQ decrease in deposits, mainly due to 12.3% QoQ fall in time deposits البنك السعودي للاستثمار The Saudi Investment Bank -4.0 -2.0 0.0 1.2 2.0 4.0 Note: MS stands for market share, (*) Q2/past growth were not comparable Source: Financial statements, Investor presentations, A&M analysis 7 6.0 8.0 Deposits Growth QoQ (%) ALVAREZ & MARSAL

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