3Q 2020 Investor Presentation
Balance Sheet Trends (2)
Strong financing growth, mortgage is the main driver
Highlights
■ Retail financing growth of (+21% YTD) mainly driven by growth in
mortgage financing (+61% YTD).
Financing is dominated by retail (78%) followed by corporate
(22%).
-
Retail financing is primarily compromised of personal (54%) and
mortgage financing (39%).
Financing, Net Mix By Segment
Retail
SAR 225bn
78%
(SARbn)
Corporate
SAR 62bn
21%
SME
SAR 1bn
0%
Financial
Financing, Net Drivers (SARbn)
249.7
+16.0%
38.5
3.6
289.7
(0.8)
(1.2)
4Q 19
Retail
Corporate
SME
Financial
institutions
3Q 20
Al Rajhi Bank
The Blue Chip Islamic Bank
29
مصرف الراجحي
Al Rajhi Bank
Retail Financing, Net Mix By
Type (SARbn)
Mortgage
SAR 88bn
39%
Auto Loans
SAR 15bn
6%
Personal
Credit Cards
institutions
SAR 123bn
SAR 2bn
1%
SAR 3bn
54%
1%
Mortgage Financing (SARbn)
55
34
27
21
88
2016
2017
2018
2019
9M 20
3Q 2020 Investor PresentationView entire presentation