Al Rajhi Banking and Investment (1120) Investor presentation summary

Market position and network

• Holds the largest Islamic banking franchise globally, ranking first in Saudi Arabia by assets, market cap, and customer base.

• Maintains the largest distribution network in Saudi Arabia with 510 branches, 4,304 ATMs, and over 900,000 POS terminals.

• Leads in retail, mortgage, and auto loans, with significant market shares across key product segments.

• Achieved an 85 NPS and 68% CASA ratio, reflecting strong customer satisfaction and deposit stability.

Financial performance and growth

• Net income after zakat grew 32.5% YoY to SAR 12.1bn, with total assets rising 19.8% YoY to SAR 1,039bn.

• Net financing portfolio expanded 19.3% YoY, driven by corporate and mortgage segments.

• Operating income increased 26.5% YoY, supported by higher net yield and fee income.

• Cost to income ratio improved to 22.5%, indicating strong operational efficiency.

• Return on equity reached 21.06% and return on assets 2.38%, maintaining industry-leading profitability.

Balance sheet and capital

• Customer deposits grew 3.1% YTD to SAR 642bn, with 66% in demand deposits.

• Total capital adequacy ratio stood at 20.2%, well above regulatory requirements.

• Loan-to-deposit ratio decreased to 82.5%, supporting liquidity and regulatory compliance.

• NPL ratio improved to 0.74% with strong coverage at 150.5%.