Al Rajhi Bank · TADAWUL:1120
Al Rajhi Bank — Q2 2026 Earnings Presentation
31 slides from Al Rajhi Bank's earnings presentation, 2026
Slide 1: Al Rajhi Bank Investor Presentation 2Q 2026
Al Rajhi Bank Investor Presentation 2Q 2026
Slide 2: 2Q 2026 Investor Presentation
2Q 2026 Investor Presentation 03 The World’s Leading Islamic Bank 11 KSA Macro-Economic Environment 13 Harmonize the group Strategy 15 2Q 2026 Financial Highlights 27 ESG Highlights 29 IR Contact Information 2Q 2026 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, 2Q 2026 Presence & Branches, 2Q 2026 100% 64% Jordan Kuwait Islamic CASA Customers 13 2 513 4,273 Branches ATMs 21.7 million 78% 96 : 4 +990K 135 NPS Digital : Manual 513 Remittance 13 # POS Centers Saudi Arabia Malaysia Largest network in Sau
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 & Loans) 7 (by # of Branches, POS, ATMs, Remittance Centres
Slide 6: Robust balance sheet with 64% CASA deposits in 2Q 2026
The World’s Leading Islamic Bank | Robust balance sheet with 64% CASA deposits in 2Q 2026 Total Assets (SARbn) Capital Ratios (%) 0 1,400 +38.5% 23.5% 21.9% 0 1,200 1043 1055 21.4% 21.5% 972 20.2% 0 808 21.7% 1,000 762 20.3% 20.4% 20.5% 0 800 600 0 19.3% 17.3% 0 16.6% 400 200 0 16.0% 0 0 2022 2023 2
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 21.7 1 0 +170bps -270bps 0 0 24.6% 23.4% 23.2% 22.6% 21.9% 28.6% 0 25.2% 26.8% 26.9% 24.6% 0 0 0 Million 0 0 Customers 0 0 0 0 2022 2023 2024 2025 1H 26 2
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 -20bps +60bps 0 0 26.8% 26.9% 26.9% 26.8% 26.6% 29.1% 28.5% 29.0% 29.5% 29.7% 0 0 0 0 0 0 0 2022 2023 2024 2025 1H 26 2022 2023
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 -750bps -1800bps 1 51.7% 1 44.3% 41.0% 41.6% 1 38.5% 43.7% 36.8% 40.3% 1 34.4% 0 0 33.7% 0 0 0 0 0 0 0 0 2022
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) 30 Jun 2026 RAJHI SNB Riyad TASI Key Metrics 300 Closing Price SAR 65.9 Market Cap SAR 395.4 bn 250 Market Cap / % Industry 39.3% RAJHI, 242
Slide 11: KSA's Macro-Economic Environment
KSA’s Macro–Economic Environment 2Q 2026 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 decline by 4.8% in Q2 2026 driven by lower 7.2 82.5 80.5 85.0 100.0 70.9 69.0 oil activities. 5.2 80.0 8.7 60.0 3.2 4.3 • Based on IMF forecasts , Saudi’s
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: 2Q 2026 Financial Highlights
2Q 2026 Financial Highlights
Slide 16: 2Q 2026 Results Summary
2Q 2026 Results Summary | Results were strong for the first half 2026 1.2% YTD Growth in financing portfolio 0.2% increase in liabilities LDR below regulatory cap 1.1% YTD Balance Net Financing Total Liabilities Loan to Deposit Ratio Sheet Growth 752.8bn +1.2% 762.1bn 900.4bn +0.2% 902.2bn 82.8% 82.
Slide 17: Balance Sheet Trends (1)
Balance Sheet Trends (1) | Total assets growth of 1.8% YoY driven by Financing book growth Total Assets (SARbn) SAR (mn) 2Q 26 1Q 26 QoQ 4Q 25 YTD +1.8% Cash & balances with SAMA 53,266 62,523 -15% 54,005 -1% 1,400 1,059 1,051 1,055 Due from banks & other FI 29,548 24,420 +21% 26,941 +10% 1,036 1,04
Slide 18: Balance Sheet Trends (2)
Balance Sheet Trends (2) | Financing grew 2.7% YoY driven by Corporate and SME Financing, Net (SARbn) Financing, Net Mix By Segment Retail Financing Mix By Segment (SARbn) (SARbn) +2.7% Auto Loans Corporate SME 1,000 SAR 23bn 741.7 752.8 762.1 SAR 216bn SAR 68bn 5% Credit Cards 800 46.4 58.7 68.1 28
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 Type (SARbn) (SARbn) Treasury 1,200 +0.0% SAR 216bn Customers’ Time 24% 901.8 Investments Other 900.4 902.2 1,000 35.6 31.7 customer Rajhi
Slide 20: Net Income Trends
Net Income Trends | Outstanding net income with a 14.2% growth YoY in the first half 2026 Net Income For The Period After Zakat (SARmn) SAR (mn) 1H 26 1H 25 YoY 2Q 26 2Q 25 YoY Net financing & investment income 16,712 14,402 +16% 8,307 7,305 +14% 12,000 10,000 +14.0% Fee from banking services, net 3
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) 18,000 +13.3% +13.9% 16,000 25,000 14,000 10,884 2,310 473 144 21,413 9,882 10,409 10,528 20,000 12,000 10,000 9,603 18,803
Slide 22: Expenses Trends
Expenses Trends | Cost efficiencies remains solid with a market leading cost to income ratio of 22.7% Operating Expenses (SARmn) 4,500 Operating Expenses Growth Drivers By Type (SARmn) 4,500 4,000 3,500 +11.7% 4,000 +14.7% 2,680 791 4,852 3,500 2,457 3,000 2,395 2,143 2,216 146 3,000 4,231 2,500 2,5
Slide 23: Liquidity Trends
Liquidity Trends | Liquidity remains comfortably within regulatory requirements HQLA (SARbn) Loan to Deposits Ratio (SAMA) (%) 200 Regulatory 1 +9.3% 1 Maximum 90% 127.3 127.6 132.0 82.5% 82.8% 82.6% 82.8% 122.3 81.2% 150 120.7 1 100 1 1 50 1 0 0 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26
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 (%) 1,850 +46.9% 0 1,650 1,450 0 1,250 0.39% 1,050 881 0 0.31% 0.31% 0.32% 0.33% 626 631 850 650 600 570 0 450 0 250 50 (0) 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 1H 25 9M 25 FY 2
Slide 25: Capitalization Trends
Capitalization Trends | Capital position well above regulatory minima RWA (SARbn) Total Capital (SARbn) 250 +2.2% +19.3% 1,000 200 663.8 673.9 678.5 159.6 800 56.2 46.1 51.5 147.3 133.8 12.1 150 15.3 14.2 9.2 600 15.0 100 5.3 400 592.6 612.5 612.8 128.6 138.1 147.5 50 200 0 0 2Q 25 4Q 25 2Q 26 2Q 25
Slide 26: Return Metrics
Return Metrics | Al Rajhi Bank’s returns remain industry-leading Return on RWA (%) Earnings per Share (SAR) 2 0 0 +14.9% 2 3.98% 4.07% 3.86% 1.11 0 3.78% 3.83% 1.06 0 0.97 0.99 1.01 1 0 0 1 0 0 0 1H 25 9M 25 FY 25 1Q 26 1H 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Return on Equity (%) Return on Assets (%) 0
Slide 27: ESG Highlights
ESG Highlights
Slide 28: ESG Highlights | 2Q 2026
ESG Highlights | 2Q 2026 +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