Mobile Telecommunications Company Saudi Arabia · TADAWUL:7030
Mobile Telecommunications Company Saudi Arabia — Zain KSA — Q3 2026 Earnings Presentation
26 slides from Mobile Telecommunications Company Saudi Arabia's earnings presentation, October 2026
Slide 1: Welcome to Zain KSA Q3 2026 Earnings Call
Welcome to Zain KSA Q3 2026 Earnings Call All rights reserved - © Zain KSA This document has been classified by Faisal Saif Alkahtani 2026-10-31T16:25:16Z
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 Mehdi Khalfaoui Eng. Mohammad AlNujaidi Tiago Rocha Ossama Matta Kharafi Chief Financial Officer Ch
Slide 6: Historical Performance
HISTORICAL PERFORMANCE Reported Figures (SAR mn) 10,983 10,365 9,883 9,075 8,386 7,917 7,901 7,531 7,306 6,927 6,741 6,699 6,523 6,404 6,244 5,934 3,004 1,267 604 550 505 485 596 332 260 214 12 (972) (980) (1,270) (1,651) (1,749) (1,925) (2,278) (2,358) (3,099) 2008 2009 2010 2011 2012 2013 2014 201
Slide 7: Eng. Saad bin Abdulrahman AlSadhan CEO
Eng. Saad bin Abdulrahman AlSadhan CEO This document has been classified by Faisal Saif Alkahtani 2026-10-31T16:25:16Z
Slide 8: Financial Overview
Financial Overview This document has been classified by Faisal Saif Alkahtani 2026-10-31T16:25:16Z
Slide 9: Tamam Finance Overview – 9M 2026
Tamam Finance Overview – 9M 2026 Over the first nine months of 2026, Tamam grew revenue 5% year-on-year, with momentum accelerating into Q3. Net Profit up by 31%, helped by tighter cost control and a one-off provision release in Q2. The business enters Q4 with a stronger sales engine. Key figures Ta
Slide 10: Zain KSA Today
Zain KSA Today 8.9 Million 1,344 Zainers 239 Shops 45% Data Revenue Costumers. Woman: 22 % (Excluding SMS & Local: 89% VAS) 11,644 Total number of sites 99% 66% 94.5% 69% 564 Cities covered by 3G 61 SAR 30,090 TB/Day 2G 3G* 4G 5G 479 Cities covered by 4G Blended ARPU Average daily data traffic Popul
Slide 11: Network Achievement in Q3-2026
NETWORK ACHIEVEMENT IN Q3-2026 ▪ #1 Position among all operators in Downlink Downlink User Speed (Mbps) Zain user speed (as per Global platform specializing 193.63 in performance measurements) with 200 179.5 +16% improvement year-over-year. 150 173.2 100 ▪ +3% Year-over-year overall increase in 50 0
Slide 12: Zain KSA Today
Zain KSA Today 5G & Total Data Traffic (TB) 40,000 19.55% 35,000 66.93% 67.32% 60.32% 64.22% 66.08% 30,000 30,090 28,754 27,894 25,000 26,176 25,169 20,000 20,257 19,245 18,431 15,000 16,811 15,183 10,000 5,000 0 Q3 Q4 Q1 Q2 Q3 2025 2025 2026 2026 2026 5G Data Traffic (TB) Total Data Traffic (TB) 5G
Slide 13: Infrastructure & Innovation
Infrastructure & Innovation Commercial 5G+ 50 Gbps microwave EcoFusion site First commercial Full Duplex E-band link Saudi Arabia’s first fully carbon-neutral Saudi Arabia’s first consumer rollout in KSA telecom site 11 robotic surgeries Red Hat Digital mosque platform Serving 85,980 mosques Enabled
Slide 14: Youth Empowerment
Youth Empowerment Dammam Technical Nokia Jouf University Aktham College MoU on technical and Agreement on digital talent MoU covering training and MoU exploring AI for leadership skills training student projects workforce development
Slide 15: LEAP 2026
LEAP 2026 Nokia Deepfield DataVolt Network analytics across 100+ cities MoU for planned data center development Diamond sponsor 264M+ 147 35+ National Center for Saudi Irrigation Organization Meteorology Total reach Media coverage MoUs & agreements MoU on forecasting and analytics MoU on smart dam m
Slide 16: Community and Cultural Participation
Community and Cultural Participation Zain KSA brought the iconic Zain Theater, with over 15 years of history, to Saudi Arabia for the first time, presenting “Ameerat galbi Zain” a unique theatrical experience for families and children that promotes the Arabic language and instills positive values. 7
Slide 17: Sustainability
Sustainability 2025 Sustainability Report
Slide 18: Honors & Awards
Honors & Awards Recycle Your Device IoT Adoption Recognition for e-waste recycling Recognition for enabling IoT adoption
Slide 19: Mehdi Khalfaoui CFO
ZAIN Mehdi Khalfaoui CFO
Slide 20: Financial Highlights
Financial Highlights GROSS PROFIT [Million SAR] GROSS MARGIN % REVENUE [Million SAR] +10% +2% 62% 62% 61% 59% 59% 60% 60% 59% 60% +6% +5% +10% 6,471 6,574 +9% 10,983 10,365 5,857 9,883 +3% 9,075 +1% 5,315 4,850 4,980 8,095 8,141 +-3% +7% +2% +1% 2,751 2,651 2,834 1,639 1,654 1,666 2022 2023 2024 202
Slide 21: Financial Highlights
Financial Highlights O P E R AT IO NA L INC O ME [Million S A R ] +9% +38% 1,313 1,199 -18% 1,066 14% Debts [Million SAR] +2% 12% 12% 897 913 Financing cost [Million SAR] 871 12% 12% 11% 11% 10,692 10% 10,376 10,351 Financing Cost 719 735 10,307 680 9,983 Borrowings (MFAs) 9% 566 9,688 MOF Loan -7%
Slide 22: Financial Highlights
Financial Highlights CASH BALANCE [Million SAR] +61% -53% 1,610 CAPEX [Million SAR] CAPEX/ REVENUES% +152% -11% +13% +56% Capex - Gross Addition 946 951 14% 13% Capex/Revenue 840 12% 749 10% 10% 8% -9% 7% 464 4% 1,344 3% 375 +4% 2022 2023 2024 2025 Q3 2025 Q2 2026 Q3 2026 EBITDA – PAID CAPEX [Millio
Slide 23: 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 5,469 30 Sept 2030 New (MFA) Al-Rajhi Bank 1,927 17 Feb 2030 CAPEX Facility Al-Rajhi Bank 1,118 23 May 2034 WC Financing ENBD 50
Slide 24: ZAIN
ZAIN
Slide 25: 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 26: Thank You
Thank You All rights reserved - © Zain KSA