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3Q 2020 Investor Presentation

Operating Income Trends Solid operating income growth, inline with our strategy مصرف الراجحي Al Rajhi Bank Highlights ■ Solid growth of (+3% YoY) driven mainly by growth in fee income. ■ Fee income growth of (+17% YoY) mainly from digital & payment and brokerage fees. Total Operating Income Growth Drivers By Type (SARmn) +3.1% 14,481 265 80 14,927 106 ■ Net profit margin contracted by (-49 bps YoY) reaching (4.72%). (5) Net Profit Margin (%) 9M 19 Net yield income Fee from banking services, net Exchange Income, net Other operating income, net 9M 20 NIM drivers (%) 5.21% 5.22% 5.00% -0.49% 4.80% 4.72% 5.21% -0.13% -0.08% 0.14% 4.72% -0.42% 9M 19 FY 19 1Q 20 1H 20 9M 20 Al Rajhi Bank The Blue Chip Islamic Bank 32 9M 19 Modification loss Fee waiver SAIBOR Management action 9M 20 3Q 2020 Investor Presentation

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