Al Rajhi Banking and Investment (1120) Investor presentation summary

Market leadership and strategic positioning

• Holds top market share in Saudi Arabia for retail banking, personal loans, mortgages, and distribution network, with 19 million customers and the largest branch, ATM, and POS network in the country.

• Maintains a robust 69% CASA deposit ratio and 85 NPS, reflecting strong customer loyalty and operational efficiency.

• Recognized as the world's largest Islamic bank by assets and market capitalization.

Financial performance and growth

• Achieved 22.4% YoY growth in total assets to SAR 1,023bn and 18.7% YoY net financing growth in 1Q 2025.

• Net income after zakat rose 34.1% YoY to SAR 5.9bn, with operating income up 27.3% and non-yield income up 32.9%.

• Maintained a cost-to-income ratio of 22.7%, reflecting strong cost efficiency.

• Return on equity reached 23.1% and return on assets 2.36%, both industry-leading.

Balance sheet and capital strength

• Customer deposits grew 4.2% YoY to SAR 629bn, with a funding mix favoring demand deposits (67%).

• Total capital adequacy ratio improved to 22.7%, well above regulatory requirements.

• Loan-to-deposit ratio remained stable at 84.9%, and liquidity coverage ratio at 146.2%.