Mobile Telecommunications Company Saudi Arabia · TADAWUL:7030
Mobile Telecommunications Company Saudi Arabia — Zain KSA — Q3 2025 Earnings Presentation
26 slides from Mobile Telecommunications Company Saudi Arabia's earnings presentation, 2025
Slide 1: Welcome to Zain KSA Q3 2025 Earnings call
This document has been classified as Public Welcome to Zain KSA Q3 2025 Earnings call
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 Generate value from and for Adopting sustainable and Leveraging areas of strength, outc
Slide 5: Historical Performance
505 (2,278) 2008 3,004 (3,099) 2009 5,934 (2,358) 2010 6,699 (1,925) 2011 6,404 (1,749) 2012 HISTORICL PERFORMANCE 6,523 (1,651) 2013 6,244 Net Profit (SAR M) (1,270) 2014 6,741 (972) 2015 6,927 Revenue (SAR M) (980) 2016 7,306 12 2017 Reported Figures (SAR mn) 7,531 Net loss (SAR M) 332 2018 8,386
Slide 6: 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 7: Eng. Saad bin Abdulrahman AlSadhan, CEO
This document has been classified as Public Eng. Saad bin Abdulrahman AlSadhan CEO 7
Slide 8: Financial Result for First Nine Months of 2025
Financial Result for First Nine Months of 2025 8
Slide 9: Tamam Finance Overview – 9M 2025
Tamam Finance Overview – 9M 2025 Tamam Finance, Zain KSA's fintech arm, delivered ongoing strong Q3 revenue growth for its shariah-compliant microfinance. Tamam is accelerating with new product services for new segments and driving scale through financial inclusion supporting Saudi Vision 2030's Fin
Slide 10: Zain KSA Today
Zain KSA Today 8.6 Million 1,405 Zainers 233 Shops 45% Data Revenue Costumers. Woman: 20 % Local: 89% 6, 421 POS (Excluding SMS & VAS) 10,929 Total number of sites 99% 66% 94.5% 66.7% 60 SAR 25,169 TB/Day 2G 3G* 4G 5G 564 Cities covered by 3G 479 Cities covered by 4G Blended ARPU Average daily data
Slide 11: Network Achievement in Q3-2025
NETWORK ACHIEVEMENT IN Q3-2025 Downlink User Speed (Mbps) Zain ▪ #1 Position among all operators in Downlink user speed (as 200 165.75 per Global platform specializing in performance measurements) +14% improvement year-over-year. 150 129.19 with 100 122.71 50 ▪ +12% Year-over-year overall increase i
Slide 12: Zain KSA Today: 5G & Total Data Traffic
Zain KSA Today 5G & Total Data Traffic (TB) 35,000 22.24% 30,000 60.32% 50.15% 53.68% 53.60% 58.10% 25,000 25,169 24,708 20,000 23,108 21,435 20,589 15,000 15,183 14,355 10,000 13,011 11,504 10,326 5,000 0 Q3 Q4 Q1 Q2 Q3 2024 2024 2025 2025 2025 5G Data Traffic (TB) Total Data Traffic (TB) 5G Traffi
Slide 13: Zain KSA Secures SAR 5.5 Billion Strategic Financing Agreement
Zain KSA Secures SAR 5.5 Billion Strategic Financing Agreement Zain KSA signed a SAR 5.5 billion Murabaha facility agreement with a consortium of five banks.
Slide 14: Zain KSA Taps into Insurtech
Zain KSA Taps into Insurtech Zain KSA has entered the Insurtech space through a strategic joint venture with global insurance specialist PREVENSURE
Slide 15: Zain Great Idea accelerator program for Tech startups
launch Zain Great Idea accelerator program for Tech startups TOTAL +200 APPLICANT ZGI 2025 program empowers startups with fully funded bootcamps in Silicon Valley, offering mentorship, training, and global investor access. • +43 Entrepreneurs • +25 Training hours 15
Slide 16: Awards & Recognition
Awards & Recognition 16 Yaqoot by Zain KSA Wins Two MENA Digital Zain KSA achieved ISO 30405:2023 certification, For the second consecutive year, Gold Awards 2025 reaffirming our commitment to excellence and Award for Corporate Social transparency in talent acquisition. Responsibility by HRSD 16
Slide 17: Sponsorships & Partnerships
Sponsorships & Partnerships Zain KSA Sponsors Boccia Championship to Empower Tamam Financing" is the Strategic Sponsor of the Zain KSA Digital Partner of Saudi Drone Exhibition. People with Disabilities. Money 20/20 Middle East Conference and Exhibition 17
Slide 18: Corporate Sustainability
Corporate Sustainability s Supporting people with disabilities in Saturday Purple with a Launch 2024 Sustainability Report following Zain KSA partnered with CST and other companies 50% lifetime offer. international standards. to introduce an e-waste recycling initiative 18
Slide 19: Mehdi Khalfaoui, CFO
This document has been classified as Public Mehdi Khalfaoui CFO 19
Slide 20: Financial Highlights
Financial Highlights GROSS PROFIT [Million SAR] REVENUE [Million SAR] GROSS MARGIN % +10% 66% 62% 61% 63% 59% 59% 60% 60% +5% +10% 6,471 +9% 10,365 5,857 9,883 5,315 +1% 9,075 +6% 4,800 4,850 8,095 7,671 +6% +4% -4% +1% 2,751 1,714 1,625 1,639 2,583 2,654 2022 2023 2024 Q3 2024 Q2 2025 Q3 2025 9 mon
Slide 21: Financial Highlights
Financial Highlights OPERATIONAL INCOME [Million SAR] +38% Debts [Million SAR] 1.199 Financing cost [Million SAR] -18% 1.066 Financing Cost 10.692 +11% 719 735 Borrowings (MFAs) 897 9.941 9.983 9.983 871 574 9.688 554 MOF Loan 810 519 12% 9.145 9.145 ARB New LT Loan 12% 12% 11% 12% 8.953 11% 11% 185
Slide 22: Financial Highlights
Financial Highlights CASH BALANCE [Million SAR] CAPEX [Million SAR] +152% CAPEX/ REVENUES % 30% -11% 946 840 +56% 14% 10% 10% 8% 5% Capex - Gross Addition 3% 3% +9% +20% +4% Capex/Revenue 464 +62% 426 375 386 1,482 668 915 951 -73% -3% 412 301 83 81 2022 2023 2024 Q3 2024 Q2 2025 Q3 2025 2022 2023 2
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 5,161 30 Sept 2030 Murabaha Facility Arrangement (MFA) Al-Rajhi Bank 1,924 17 Feb 2030 CAPEX Facility Al-Rajhi Bank 923 23 May 20
Slide 24: fom Zain
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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 25
Slide 26: Thank You
This document has been classified as Public Thank You All rights reserved - © Zain KSA