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Al Rajhi Banking and Investment (1120) investor relations material
Al Rajhi Banking and Investment Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Net income for the first nine months of 2025 reached SAR 18.4 billion, up 30% year-over-year, driven by strong growth in operating and fee income, exceeding expectations.
Total assets surpassed SAR 1.06 trillion, up 17.4% year-over-year and 8.7% year-to-date, reflecting robust expansion in financing and investments.
Customer base expanded to over 20 million, with a net promoter score of 85, reflecting high satisfaction.
Strategic focus on new retail segments, SME, investment banking, and digital transformation supported performance.
Financial highlights
Operating income for Q3 2025 was SAR 9.9 billion, up 17% year-over-year; for the period, SAR 28.7 billion, up 23.1%.
Net yield income rose 21.2% year-over-year; non-yield income increased 29.3%.
Cost-to-income ratio improved to 22.5%, a market-leading level.
NPL ratio at 0.76%, with coverage at 151%; loan-to-deposit ratio at 81.2%.
Return on equity at 23.5% and return on assets at 2.4%, both market-leading.
Outlook and guidance
FY 2025 guidance revised: financing growth expected in high single digits, cost-to-income ratio below 23%, ROE above 23%.
NIM guidance revised to a range of -5 to +5 bps, reflecting liquidity premium pressures.
Management highlights alignment with Saudi Vision 2030, especially in mortgage and SME financing.
Loan book guidance unchanged, with focus on value over volume.
Capital strategy with new regulatory buffers?
NIM outlook given liquidity premium trends?
Non-yield income growth sustainability?
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Frequently asked questions
Al Rajhi Banking and Investment Corporation, also known simply as Al Rajhi Bank, is a leading financial services provider based in Saudi Arabia. It is recognized as the largest Islamic bank in the world. The bank offers a wide range of services including retail banking, corporate banking, treasury, and investment services. Retail banking comprises a significant portion of its business, including services like personal banking, mortgages, and auto loans. The corporate segment caters to larger businesses, providing services such as deposits, credit facilities, and cash management. Additionally, Al Rajhi Bank engages in treasury operations and various investment activities including brokerage services and mutual funds. The company is headquartered in Riyadh, Saudi Arabia, and its shares are listed on the Saudi Stock Exchange.
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