Al Rajhi Banking and Investment (1120) Investor presentation summary

Market position and network

• Holds the largest Islamic banking franchise globally, ranking first in KSA by assets, market cap, and customer base.

• Maintains leading market shares in retail, personal, mortgage, and auto loans, as well as remittances and digital wallets.

• Operates the largest distribution network in Saudi Arabia with 510 branches, 4,302 ATMs, and over 970,000 POS terminals.

• Serves 20.5 million customers, with a strong presence in Saudi Arabia and select international markets.

• Achieved a Net Promoter Score (NPS) of 85, reflecting high customer satisfaction.

Financial performance and growth

• Total assets grew 17.4% YoY to SAR 1,059bn, with net financing up 16.5% YoY and customer deposits up 7.6%.

• Net income after zakat rose 29.6% YoY to SAR 18.4bn for 9M 2025, driven by higher net yield and non-yield income.

• Operating income increased 23.1% YoY, while cost to income ratio improved to 22.5%, indicating strong efficiency.

• Maintained a robust capital adequacy ratio of 21.1% and a return on equity of 21.1%.

• Loan-to-deposit ratio decreased to 81.2%, well below regulatory limits, supporting liquidity.

Asset quality and risk management

• NPL ratio improved to 0.31% with strong coverage at 151%, and cost of risk remained stable at 0.31%.

• Credit quality remained stable despite higher gross impairment charges due to portfolio growth.

• Maintained high liquidity with LCR at 120.1% and NSFR at 110.6%, both above regulatory minimums.