3Q 2020 Investor Presentation
Macro environment impact
Focused in managing the current challenges & beyond
Key Challenges
COVID-19
RATE ENVIRONMENT
Impact
Focus Areas to
Mitigate
Downside
Management
Delivery
Long Term |
Al Rajhi Bank
1
Growth Forecast
Consumer lending, mainly
Mortgage financing
2
SMEs & Corporate structured
products & stimulating
Kafalah program
1
Asset Quality
Core Portfolio is low risk,
salary assigned Retail
portfolio
1
2
2
Small portfolio in MSME
supported by Government
Stimulus Packages
Liquidity
Strict and prudent liquidity
management, and
monitoring
Expand funding client base
and product mix
3
3
3
Grow Credit Cards & Trade
Finance market Share
Close monitoring and
prudent provisioning
SAMA Continues to support
Liquidity in USD & SAR
measures
1
2
مصرف الراجحي
Al Rajhi Bank
OIL PRICES
Profitability
Yield income focus through
mix change
Digital & Payments
leadership
Rationalizing our Opex &
Capex spend
16% Financing Growth
0.78% COR
79.9% LDR
-4.5% YoY Net Income
Preparing for the " Next Normal"
The Blue Chip Islamic Bank
24
3Q 2020 Investor PresentationView entire presentation