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Al Rajhi Banking and Investment (1120) investor relations material
Al Rajhi Banking and Investment Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary27 Jul, 2025
Executive summary
Achieved record semi-annual net income, up 32.5% year-over-year, with strong growth in both yield and non-yield income streams.
Net income for the six months ended 30 June 2025 rose to SAR 12.07 billion, up from SAR 9.10 billion year-over-year.
Maintained industry-leading market share in retail banking, personal loans, mortgages, and digital banking in Saudi Arabia.
Continued focus on digital transformation, ESG initiatives, and expanding customer base, with 95:5 digital to manual ratio and 34% female workforce.
The review by independent auditors concluded no material misstatements in the interim financials.
Financial highlights
Net income after zakat reached SAR 12.1bn for 1H 2025, up 32.5% year-over-year.
Total assets grew 19.8% year-over-year to SAR 1,039bn; customer deposits up 3.1% to SAR 642bn.
Operating income rose 26.5% year-over-year to SAR 18.8bn; non-yield income up 30.9%.
Net financing and investment income for six months was SAR 14.40 billion, compared to SAR 11.50 billion year-over-year.
Cost to income ratio improved to 22.5% in 1H 2025 from 25.9% in 1H 2024.
Outlook and guidance
Positive economic outlook for Saudi Arabia, with GDP expected to grow 3.5% in 2025 and 3.9% in 2026.
The bank continues to maintain strong capital adequacy, with Tier I and II ratios above 20%.
Management expects continued growth in retail and corporate financing, supported by robust asset quality.
Continued focus on digitalization, ESG, and expanding into new business segments.
Targeting further growth in SME, investment banking, and corporate banking market share.
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Next Al Rajhi Banking and Investment earnings date
Q3 202521 Oct, 2025
Next Al Rajhi Banking and Investment earnings date
Q3 202521 Oct, 2025
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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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