Al Rajhi Bank · TADAWUL:1120
Al Rajhi Bank — Q4 2025 Earnings Presentation
31 slides from Al Rajhi Bank's earnings presentation, 2026
Slide 1: Al Rajhi Bank Investor Presentation 4Q 2025
Al Rajhi Bank Investor Presentation 4Q 2025
Slide 2: 4Q 2025 Investor Presentation
4Q 2025 Investor Presentation 03 The World’s Leading Islamic Bank 11 KSA Macro-Economic Environment 13 Harmonize the group Strategy 15 4Q 2025 Financial Highlights 27 ESG Highlights 29 IR Contact Information 4Q 2025 Investor Presentation 2
Slide 3: The World's Leading Islamic Bank
The World’s Leading Islamic Bank
Slide 4: Al Rajhi Bank | Islamic Banking, Everywhere
Al Rajhi Bank | Islamic Banking, Everywhere At a glance, 4Q 2025 Presence & Branches, 4Q 2025 100% 65% Jordan Kuwait Islamic CASA Customers 13 2 511 4,327 Branches ATMs 20.6 million 82% 96 : 4 +990k 135 NPS Digital : Manual 511 Remittance 13 POS Centers Saudi Arabia Malaysia Largest network in Saudi
Slide 5: Top Facts About Al Rajhi Bank
Top 10 Facts About Al Rajhi Bank Largest Islamic Bank worldwide #1 Bank in KSA 1 (by Assets & Market Cap) 6 (by total financing and number of customers) #1 Retail Bank in Middle East #1 Distribution network in Middle East 2 (Retail Deposits & Income) 7 (by # of Branches, POS, ATMs, Remittance Centre
Slide 6: Robust balance sheet with 65% CASA deposits in 2025
The World’s Leading Islamic Bank | Robust balance sheet with 65% CASA deposits in 2025 Total Assets (SARbn) Capital Ratios (%) 0 +67.3% 1,400 21.9% 0 1043 21.4% 21.5% 1,200 972 20.2% 0 808 1,000 762 20.3% 20.4% 20.5% 0 624 17.5% 800 600 0 19.3% 16.4% 17.2% 0 400 16.6% 200 0 16.0% 0 0 2021 2022 2023
Slide 7: What sets Al Rajhi Bank Apart: largest retail banking business
What sets Al Rajhi Bank Apart | ARB has the largest retail banking business in the Kingdom Market Share - Demand Deposits Market Share - Deposits 1 20.6 +90bps -160bps 0 0 0 24.2% 24.6% 23.4% 28.6% 23.2% 22.6% 26.8% 0 0 25.9% 25.2% 24.6% 0 0 Million 0 0 Customers 0 0 0 0 2021 2022 2023 2024 2025 202
Slide 8: Al Rajhi Bank's Leading Network
Al Rajhi Bank’s Leading Network | The Bank has the largest distribution network in Saudi Arabia #1 in Branches #1 in ATMs Market Share - Branches Market Share - ATMs 1 1 0 +0bps -10bps 0 26.9% 26.9% 29.6% 29.1% 28.5% 29.0% 29.5% 0 26.8% 26.8% 26.8% 0 0 0 0 0 0 0 2021 2022 2023 2024 2025 2021 2022 20
Slide 9: Unique franchise with leading market share across key products
Al Rajhi Bank has a unique franchise | We maintain a leading market share across key products #1 in Personal Loans #1 in Auto Loans Market Share - Personal Loans Market Share - Auto Loans 1 1 1 -610bps -1740bps 51.8% 51.7% 1 44.6% 44.3% 41.0% 41.6% 1 38.5% 43.7% 40.3% 1 34.4% 0 0 0 0 0 0 0 0 0 0 202
Slide 10: Al Rajhi Bank Market Performance
Al Rajhi Bank Market Performance | ARB maintained its momentum and outperform its peer group • Share Price Performance Top 3 KSA Banks (Daily; Rebased to 100) 31 Dec 2025 RAJHI SNB Riyad TASI Key Metrics 300 Closing Price SAR 97.5 Market Cap SAR 390 bn 250 Market Cap / % Industry 39.8% RAJHI, 239 Ma
Slide 11: KSA's Macro-Economic Environment
KSA’s Macro–Economic Environment 4Q 2025 Investor Presentation
Slide 12: KSA Economic Outlook
KSA Economic Outlook | Economic conditions remain positive for the Kingdom GDP Growth/Brent Oil Price Highlights 99.0 • Saudi GDP is expected to increase by 4.5% in 2025 driven by higher oil 82.5 80.5 100.0 7.2 70.9 69.0 and non-oil activities. 5.2 80.0 8.7 41.7 60.0 3.2 4.3 • Based on IMF forecasts
Slide 13: Our strategy: Harmonize the group
Our strategy “Harmonize the group”
Slide 14: Harmonize the Group: Highlights on our strategy performance
“Harmonize the Group” | Highlights on our strategy performance Business to Business to Support Digital & Data Consumer Business Businesses Leverage customer Become ‘main bank’ Centralization Expand digital base via cross-sell of large corporates and standardization capabilities Group-wide % of custo
Slide 15: 4Q 2025 Financial Highlights
4Q 2025 Financial Highlights
Slide 16: 4Q 2025 Results Summary
4Q 2025 Results Summary | Results were above expectations for the year 2025 8.6% YoY Growth in financing portfolio 6.0% Growth in liabilities LDR below regulatory cap 7.3% YoY Balance Net Financing Total Liabilities Loan to Deposit Ratio Sheet Growth 693.4bn +8.6% 752.8bn 849.3bn +6.0% 900.4bn 85.5%
Slide 17: Balance Sheet Trends (1)
Balance Sheet Trends (1) | Total assets growth of 7.3% driven by Financing book growth Total Assets (SARbn) SAR (mn) 4Q 25 3Q 25 QoQ 4Q 24 YoY +7.3% Cash & balances with SAMA 54,005 57,302 -6% 53,245 +1% 1,400 1,039 1,059 1,043 Due from banks & other FI 26,941 31,122 -13% 19,530 +38% 1,023 1,200 1,0
Slide 18: Balance Sheet Trends (2)
Balance Sheet Trends (2) | Financing growth driven by large Corporate and SME Financing, Net (SARbn) Financing, Net Mix By Segment Retail Financing Mix By Segment (SARbn) (SARbn) +8.6% Auto Loans 1,050 Corporate SME SAR 23bn SAR 211bn SAR 59bn 850 756.0 752.8 5% Credit Cards 693.4 52.9 58.7 28% 8% S
Slide 19: Balance Sheet Trends (3)
Balance Sheet Trends (3) | Balance sheet shows improving funding mix Total Liabilities (SARbn) Total Customers' Deposits Mix By Total Liabilities Mix By Segment 1,400 Type (SARbn) (SARbn) Treasury 1,200 +6.0% SAR 243bn Customers’ Time 27% 921.7 Investments Other 900.4 1,000 849.3 35.9 Rajhi 39.2 42.
Slide 20: Net Income Trends
Net Income Trends | Outstanding net income with a 25.7% growth YoY in 2025 Net Income For The Period After Zakat (SARmn) SAR (mn) FY 25 FY 24 YoY 4Q 25 4Q 24 YoY Net financing & investment income 29,846 24,843 +20% 8,150 6,941 +17% +15.6% 10,000 Fee from banking services, net 5,869 4,693 +25% 1,554
Slide 21: Operating Income Trends
Operating Income Trends | Higher operating income driven by net yield and fee income growth Total Operating Income (SARmn) Total Operating Income Growth Drivers By Type (SARmn) 50,000 16,000 14,000 +19.0% +22.0% 266 593 39,094 40,000 10,409 5,003 1,176 9,882 12,000 9,200 9,603 10,000 8,750 30,000 32
Slide 22: Expenses Trends
Expenses Trends | Cost efficiencies remains solid with a market leading cost to income ratio of 23.3% Operating Expenses (SARmn) Operating Expenses Growth Drivers By Type (SARmn) 9,000 4,500 +30.7% +14.5% 8,000 4,000 7,000 3,500 2,680 467 9,127 387 6,000 3,000 2,216 7,971 302 2,500 2,050 2,088 2,143
Slide 23: Liquidity Trends
Liquidity Trends | Liquidity remains comfortably within regulatory requirements HQLA (SARbn) Loan to Deposits Ratio (SAMA) (%) 200 Regulatory 1 -0.6% Maximum 90% 85.5% 1 150 128.1 124.5 127.3 84.9% 82.5% 82.8% 120.7 122.3 1 81.2% 100 1 1 50 1 0 0 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 24 1Q 25 2Q 25 3Q 25
Slide 24: Net Impairment & Assets quality
Net Impairment & Assets quality | Asset quality remains healthy with a maintained CoR Net Impairment Charges (SARmn) Cost of Risk (%) 1,250 +13.3% 0 1,050 0 850 600 626 0.32% 0.29% 0.31% 0.31% 0.32% 570 0 650 553 525 0 450 0 250 50 (0) 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 FY 24 1Q 25 1H 25 9M 25 FY 25 NPL
Slide 25: Capitalization Trends
Capitalization Trends | Capital position well above regulatory minima RWA (SARbn) Total Capital (SARbn) 1,000 +10.2% 200 +19.2% 670.2 673.9 147.3 800 611.4 46.1 46.1 141.5 47.0 123.6 150 15.3 9.3 9.2 17.1 600 10.5 100 5.6 400 554.0 607.0 612.5 132.2 138.1 200 50 117.9 0 0 4Q 24 3Q 25 4Q 25 4Q 24 3Q
Slide 26: Return Metrics
Return Metrics | Al Rajhi Bank’s returns remain industry-leading Return on RWA (%) Earnings per Share (SAR) 0 3 0 +17.1% 2 3.86% 1.51 0 3.74% 3.78% 3.83% 1.41 1.45 1.48 0 3.49% 2 1.29 0 1 0 1 0 0 0 FY 24 1Q 25 1H 25 9M 25 FY 25 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Return on Equity (%) Return on Assets (%)
Slide 27: ESG Highlights
ESG Highlights
Slide 28: ESG Highlights | 4Q 2025
ESG Highlights | 4Q 2025 +200 USD 6.9 bn Scholarships to Orphan ISO/DIS 37301:2020 Green syndicated loans students to join Compliance Universities Started using solar +39k ISO 22301:2019 energy system in 61 Families have been benefited from the USD 1.0bn Business Continuity branches to reduce Social
Slide 29: IR Contact Information
IR Contact Information
Slide 30: Additional Information
Additional Information | Contact investor relations for more information Investors Relations IR@alrajhibank.com.sa Visit our website (here) for more Investor disclosers: • Annual Report • Factsheet • Financial Statements • Data Supplement • Investor Presentation • Earnings Release Alrajhi Mobile App
Slide 31: Disclaimer
Disclaimer • AL RAJHI BANK HEREIN REFERRED TO AS ARB MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY REGARDING THIS DOCUMENT OR THE MATERIALS AND INFORMATION CONTAINED OR REFERRED TO ON EACH PAGE ASSOCIATED WITH THIS DOCUMENT. THE MATERIAL AND INFOR- MATION CONTAINED O