Al Rajhi Banking and Investment (1120) Investor presentation summary

Market position and network

• Maintains the largest Islamic bank status globally and leads in Saudi Arabia by assets, market cap, and customer base.

• Holds top market share in retail banking, personal loans, mortgages, auto loans, and remittances in the Middle East.

• Operates the largest distribution network in Saudi Arabia with 511 branches, 4,327 ATMs, and over 990,000 POS terminals.

• Serves 20.6 million customers, including significant presence in Jordan, Kuwait, and Malaysia.

• Achieved a Net Promoter Score (NPS) of 82 and a female workforce participation of 36%.

Financial performance and balance sheet

• Total assets grew 7.3% YoY to SAR 1,043bn, driven by 8.6% growth in net financing.

• Net income after zakat rose 25.7% YoY to SAR 24.8bn, with operating income up 22% and non-yield income up 28.2%.

• Maintained a strong capital adequacy ratio of 21.9% and a cost-to-income ratio of 23.3%.

• Loan-to-deposit ratio at 82.8%, well below the regulatory cap, and liquidity coverage ratio at 120.1%.

• Return on equity reached 21.06% and return on assets 2.41%, both industry-leading.

Strategic initiatives and digital transformation

• Strategy focused on harmonizing the group, cross-selling, and entering new segments.

• Increased automation and digitalization, achieving a 96:4 digital-to-manual ratio.

• Expanded SME portfolio by 94.3% and investment banking revenue by 340% since FY 2023.

• Enhanced customer experience, with 38% of customers holding more than one product.

• Significant growth in cloud-ready applications and data-driven marketing initiatives.