Mobile Telecommunications Company Saudi Arabia · TADAWUL:7030
Mobile Telecommunications Company Saudi Arabia — Zain KSA — FY2025 Earnings Presentation
27 slides from Mobile Telecommunications Company Saudi Arabia's earnings presentation, 2026
Slide 1: Welcome to Zain KSA 2025 earnings call
Welcome to Zain KSA 2025 earnings call All rights reserved - © Zain KSA
Slide 2: Disclaimer
Disclaimer Expectations and projections regarding future performance of the company referenced in this presentation are ‘forward-looking statements’ within the meaning of applicable securities laws and regulations. These are statements which the management believes are true at the time of their prep
Slide 3: Introduction
Introduction Zain KSA established itself as a reliable telecom operator and a digital service provider whose services include telecom services, 5G network, FinTech (Financial Technology), cloud computing, IoT solutions, fiber services, drones, and many others. Zain KSA is committed to the continuous
Slide 4: Our Strategic Pillars
Our Strategic Pillars The below eight pillars come as a natural evolution and extension of the strategy Zain KSA has successfully delivered on as well as the expectations of stakeholders. Creative positive impact Adopting sustainable and Leveraging areas of Generate value from and for strength, incl
Slide 5: Our experienced and diverse Board of Directors and Executive Management team
Our experienced and diverse Board of Directors and Executive Management team Our Board of Directors Our Executive Management Eng. Abdullah Fahad Alfaris Eng. Saad AlSadhan CEO Chairman Bader Nasser Al Kharafi Mehdi Khalfaoui Eng. Mohammad AlNujaidi Tiago Rocha Ossama Matta Vice Chairman Chief Financ
Slide 6: Eng. Saad bin Abdulrahman AlSadhan, CEO
Eng. Saad bin Abdulrahman AlSadhan CEO
Slide 7: Financial Overview
Financial Overview Secures SAR 5.5 Billion Strategic Refinancing Financial Results Agreement
Slide 8: Tamam Finance Overview – 2025 Full Year Data
Tamam Finance Overview – 2025 Full Year DATA Tamam Finance, the fintech arm of Zain KSA, has swiftly reshaped shariah-compliant microfinance since 2020 debut. Licensed by the Saudi Central Bank ("SAMA"), Tamam has achieved continued robust growth through financial inclusion and innovation, supportin
Slide 9: Zain KSA Today
Zain KSA Today 8.1 Million 1,360 Zainers 234 Shops 46% Data Revenue Costumers. Woman: 22 % Local: 89% 6,889POS (Excluding SMS & VAS) 10,929 Total number of sites 99% 66% 94.5% 66.7% 64 SAR 26,176 TB/Day 2G 3G* 4G 5G 564 Cities covered by 3G 479 Cities covered by 4G Blended ARPU Average daily data tr
Slide 10: Network Achievement in Q4-2025
NETWORK ACHIEVEMENT IN Q4-2025 ▪ #1 Position among all operators in Downlink user speed (as Downlink User Speed (Mbps) Zain 202.07 per Global platform specializing in performance measurements) 200 +13% improvement year-over-year. 163.94 with 150 153.35 100 ▪ +12% Year-over-year overall increase in a
Slide 11: Zain KSA Today: 5G & Total Data Traffic
Zain KSA Today 5G & Total Data Traffic (TB) 35,000 22.12% 30,000 56.30% 58.10% 60.32% 64.22% 53.68% 25,000 26,176 25,169 24,708 23,108 20,000 21,435 15,000 16,811 15,183 14,355 10,000 13,011 11,504 5,000 0 Q4 Q1 Q2 Q3 Q4 2024 2025 2025 2025 2025 5G Data Traffic (TB) Total Data Traffic (TB) 5G Traffi
Slide 12: Infrastructure Empowerment
Infrastructure Empowerment Connected Farasan Islands Activated the 600 MHz Provides 4G and 5G Services Deployed the first AI- with sustainable wireless spectrum in Abu Bakr Al-Siddiq Tunnel powered 5G network in solutions the Holy Sites.
Slide 13: Digital Solutions Enabling Key Sectors
Digital Solutions Enabling Key Sectors Expanded sector-focused Launched “Made in Strengthened cloud, digital solutions across key Saudi” package cybersecurity, and AI capabilities industries. through partnerships.
Slide 14: Adjacent Market
Adjacent Market Enters Insurtech via a strategic JV with Mobile number verification service for Signing with Emkan to Provide Flexible PREVENSURE and acquires a majority stake in visitors through the Absher platform Online Payment Solutions GSIB.
Slide 15: Strategic partnerships
Strategic partnerships • Sponsoring 12 events and activities across the , technology, financial, entertainment, social responsibility, and information security sectors. • Signed partnerships and MoUs with more than [30] global and regional partners
Slide 16: Community Empowerment
Community Empowerment Social Development Bank MoU with Social Development Bank Ithra VolunteerHacathon Launched Zain Great Idea in People with disability Saudi Arabia
Slide 17: Awards and Recognitions
Awards and Recognitions 14 regional and international awards, in the year covered key focus areas, including: • Digital Marketing • Customer Experience • Youth Empowerment & Inclusion • Corporate Social Responsibility (CSR) • Technology & Artificial Intelligence • Work Environment & Employee Wellbei
Slide 18: Ranking and Certificate
Ranking and Certificate Digital Certification Licenses with Digital National Council for Upgrades Score in Global Climate Change signature Occupational Safety and Health Disclosure to ‘A’ Advancing Climate Governance Toward Carbon Neutrality
Slide 19: Mehdi Khalfaoui, CFO
ZAIN Mehdi Khalfaoui CFO
Slide 20: Historical Performance
505 2008 (2,278) 3,004 2009 (3,099) 5,934 2010 (2,358) 6,699 2011 (1,925) 6,404 2012 (1,749) 6,523 2013 (1,651) 6,244 2014 (1,270) 6,741 Net Profit (SAR M) 2015 HISTORICAL PERFORMANCE (972) 6,927 2016 (980) Reported Figures (SAR mn) 7,306 2017 12 Revenue (SAR M) 7,531 2018 332 8,386 2019 485 Net los
Slide 21: Financial Highlights
Financial Highlights GROSS PROFIT [Million SAR] REVENUE [Million SAR] GROSS MARGIN % +10% +2% 62% 62% 59% 59% 60% 60% 60% +6% 6,574 +5% +10% 6,471 +9% 10,983 10,365 5,857 9,883 5,315 9,075 +7% +3% +5% +5% 2,751 2,888 1,672 1,639 1,724 2,695 2022 2023 2024 2025 Q4 2024 Q3 2025 Q4 2025 2022 2023 2024
Slide 22: Financial Highlights
Financial Highlights OPERATIONAL INCOME [Million SAR] Debts [Million SAR] +9% Financing cost [Million SAR] +38% 1.313 Financing Cost -18% 1.199 10.692 14% 14% 719 735 10.376 10.376 Borrowings (MFAs) 1.066 680 9.983 566 9.688 9.688 MOF Loan 12% 871 12% 12% 12% 8.953 ARB New LT Loan 181 168 Other Loan
Slide 23: Financial Highlights
Financial Highlights CASH BALANCE [Million SAR] CAPEX [Million SAR] +152% -11% +13% +13% +105% CAPEX/ REVENUES % 40% 946 951 951 840 840 +56% -9% 23% 1,344 14% -37% +4% 12% 10% 10% 1,070 Capex - Gross Addition +738% Capex/Revenue 464 3% 375 1,482 676 915 951 81 2022 2023 2024 2025 Q4 2024 Q3 2025 Q4
Slide 24: Company Debt
Company Debt Zain Saudi Arabia borrowings summary Outstanding Amount Description Party Maturity in Million SAR Murabaha Facility Arrangement (MFA) Consortium of Six Banks 5,633 30 Sept 2030 New (MFA) Al-Rajhi Bank 1,926 17 Feb 2030 CAPEX Facility Al-Rajhi Bank 1,003 23 May 2034 Total 8,562 • Amounts
Slide 25: ZAIN
ZAIN
Slide 26: More Information
More Information For more information, please visit our website or contact us through: Investor Relations investor.relations@sa.zain.com +966 59 244 8888 Investor Relations app https://sa.zain.com/en/investors/share-statistics
Slide 27: Thank You
This document has been classified as Internal Thank You All rights reserved - © Zain KSA