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Al Rajhi Banking and Investment
Al Rajhi Banking and Investment (1120) investor relations material
Al Rajhi Banking and Investment Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary3 Feb, 2026
Executive summary
Net income for FY2025 reached SAR 24.8 billion, up 26% year-over-year, driven by strong operating income, improved yields, and operational efficiency.
Total assets grew 7.3% year-over-year to nearly SAR 1.04 trillion, with net financing up 8.6% and significant growth in corporate and SME lending.
Strategy focused on expanding customer base, digital transformation, ESG leadership, and the "harmonize the group" initiative.
Board recommended a capital increase to SAR 60 billion via bonus shares and a cash dividend of SAR 1.75 per share for H2 2025.
Return on equity stood at 23.4% and return on assets at 2.4%, reflecting robust profitability.
Financial highlights
Operating income rose 22% year-over-year to SAR 39.1 billion, with net yield income up 20% and non-yield income up 28%.
Cost-to-income ratio improved to 23.3% from 24.9% year-over-year.
NPL ratio stable at 0.75%, with coverage at 152.5%.
Earnings per share reached 5.85, up 25.3% year-over-year.
Pre-provision profit grew 24.4% year-over-year; net impairment charge increased 9.6%.
Outlook and guidance
2026 GDP growth expected at 4%-5%, mainly from non-oil sectors, with Saudi GDP projected to grow 4.5% in 2025 and 2026.
Credit demand in 2026 anticipated to be slower than historical averages; financing book guidance is low to mid-single digit growth.
NIM expected to expand by 25-35 basis points; cost-income ratio to remain below 23%; ROE to stay above 23.5%.
Cost of risk projected stable at 30-40 basis points; total capital ratio to remain above 20%.
Continued focus on digital transformation, financial innovation, and customer experience aligned with Vision 2030.
Retail financing growth vs securitization impact
Drivers of 113% YoY debt issued growth
Harmonize group strategy impact on non-yield income
New strategy: What differentiates the ecosystem?
Dividend payout: How to sustain 50-60% with growth?
NIM drivers: Impact of repricing, mix, and fees?
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Next Al Rajhi Banking and Investment earnings date
Q1 202620 Apr, 2026
Al Rajhi Banking and Investment
Next Al Rajhi Banking and Investment earnings date
Q1 202620 Apr, 2026
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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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