Al Rajhi Bank · TADAWUL:1120
Al Rajhi Bank — Q1 2026 Earnings Presentation
31 slides from Al Rajhi Bank's earnings presentation, 2026
Slide 1: Al Rajhi Bank Investor Presentation 1Q 2026
Al Rajhi Bank Investor Presentation 1Q 2026
Slide 2: 1Q 2026 Investor Presentation
1Q 2026 Investor Presentation 03 The World’s Leading Islamic Bank 11 KSA Macro-Economic Environment 13 Harmonize the group Strategy 15 1Q 2026 Financial Highlights 27 ESG Highlights 29 IR Contact Information 1Q 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, 1Q 2026 Presence & Branches, 1Q 2026 100% 68% Jordan Kuwait Islamic CASA Customers 13 2 512 4,311 Branches ATMs 21.2 million 82% 96 : 4 +990k 136 NPS Digital : Manual 512 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 68% CASA deposits in 1Q 2026
The World’s Leading Islamic Bank | Robust balance sheet with 68% CASA deposits in 1Q 2026 Total Assets (SARbn) Capital Ratios (%) 0 +38.0% 23.0% 1,400 21.9% 0 1,200 1043 1051 21.4% 21.5% 972 20.2% 0 808 1,000 762 21.6% 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 21.2 1 +195bps 0 -244bps 0 0 24.6% 23.4% 23.2% 22.6% 22.2% 28.6% 0 26.8% 27.2% 25.2% 24.6% 0 0 0 Million 0 0 Customers 0 0 0 0 2022 2023 2024 2025 1Q 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 -6bps +54bps 0 26.8% 26.9% 26.9% 26.8% 29.1% 28.5% 29.0% 29.5% 29.6% 0 26.7% 0 0 0 0 0 0 0 2022 2023 2024 2025 1Q 26 2022 2023 2
Slide 9: Al Rajhi Bank has a unique franchise
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 -694bps -1779bps 51.7% 1 44.3% 41.0% 41.6% 1 38.5% 43.7% 37.4% 40.3% 1 34.4% 33.9% 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 Mar 2026 RAJHI SNB Riyad TASI Key Metrics 300 Closing Price SAR 106.6 Market Cap SAR 426 bn RAJHI, 261 250 Market Cap / % Industry 39.5% M
Slide 11: KSA's Macro-Economic Environment
KSA’s Macro–Economic Environment 1Q 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 increase by 2.8% in Q1 2026 driven by higher 7.2 82.5 80.5 85.0 100.0 70.9 69.0 oil and non-oil activities. 5.2 80.0 8.7 60.0 3.2 4.3 • Based on IMF foreca
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: 1Q 2026 Financial Highlights
1Q 2026 Financial Highlights
Slide 16: 1Q 2026 Results Summary
1Q 2026 Results Summary | Results were above expectations for the first quarter 2026 0.1% YTD Growth in financing portfolio 0.2% decrease in liabilities LDR below regulatory cap 0.8% YTD Balance Net Financing Total Liabilities Loan to Deposit Ratio Sheet Growth 752.8bn +0.1% 753.7bn 900.4bn -0.2% 89
Slide 17: Balance Sheet Trends (1)
Balance Sheet Trends (1) | Total assets growth of 3.0% YoY driven by Financing book growth Total Assets (SARbn) SAR (mn) 1Q 26 4Q 25 QoQ 1Q 25 YoY +3.0% Cash & balances with SAMA 62,523 54,005 +16% 65,077 -4% 1,400 1,059 1,051 Due from banks & other FI 24,420 26,941 -9% 20,978 +16% 1,039 1,043 1,200
Slide 18: Balance Sheet Trends (2)
Balance Sheet Trends (2) | Financing grew 4.3% YoY driven by Corporate and SME Financing, Net (SARbn) Financing, Net Mix By Segment Retail Financing Mix By Segment (SARbn) (SARbn) +4.3% Auto Loans Corporate 1,000 SME SAR 23bn 722.8 752.8 753.7 SAR 207bn SAR 66bn 5% Credit Cards 800 43.6 58.7 65.9 27
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 +1.4% SAR 219bn Customers’ Time 24% Investments Other 886.5 900.4 898.6 1,000 45.2 35.6 SAR 219bn custo
Slide 20: Net Income Trends
Net Income Trends | Outstanding net income with a 14.3% growth YoY in the first quarter 2026 Net Income For The Period After Zakat (SARmn) SAR (mn) 1Q 26 1Q 25 YoY 1Q 26 4Q 25 YoY 12,000 Net financing & investment income 8,405 7,097 +18% 8,405 8,150 +3% 10,000 +14.3% Fee from banking services, net 1
Slide 21: Operating Income Trends
Operating Income Trends | Higher operating income driven by net yield and fee income growth Total Operating Income (SARmn) 18,000 Total Operating Income Growth Drivers By Type (SARmn) 14,000 16,000 14,000 +14.4% 12,000 +14.4% 10,528 1,308 231 79 10,528 12,000 9,882 10,409 10,000 10,000 9,200 9,603 9
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) 4,500 2,500 +17.7% +17.7% 4,000 2,000 3,500 2,680 387 2,457 2,457 3,000 2,143 2,216 112 1,500 2,500 2,088 2,088 2,000 1,0
Slide 23: Liquidity Trends
Liquidity Trends | Liquidity remains comfortably within regulatory requirements HQLA (SARbn) Loan to Deposits Ratio (SAMA) (%) 200 Regulatory 1 +2.5% 1 Maximum 90% 150 124.5 122.3 127.3 127.6 84.9% 82.5% 82.8% 82.6% 120.7 1 81.2% 100 1 1 50 1 0 0 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 1Q 25 2Q 25 3Q 25 4Q 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 +20.2% 0 1,050 0 850 600 626 631 0.29% 0.31% 0.31% 0.32% 0.33% 570 0 525 650 0 450 0 250 50 (0) 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 1Q 25 1H 25 9M 25 FY 25 1Q 26 NPL
Slide 25: Capitalization Trends
Capitalization Trends | Capital position well above regulatory minima RWA (SARbn) Total Capital (SARbn) 250 +4.9% +16.8% 1,000 200 673.9 683.2 156.9 800 651.1 46.1 51.5 147.3 56.2 134.4 9.2 150 15.3 14.1 9.2 600 21.2 5.4 100 400 573.8 612.5 617.6 129.0 138.1 147.7 50 200 0 0 1Q 25 4Q 25 1Q 26 1Q 25
Slide 26: Return Metrics
Return Metrics | Al Rajhi Bank’s returns remain industry-leading Return on RWA (%) Earnings per Share (SAR) 0 +12.5% 3 0 3.98% 2 3.86% 1.59 0 3.74% 3.78% 3.83% 1.48 1.51 0 1.41 1.45 2 0 1 0 1 0 0 0 1Q 25 1H 25 9M 25 FY 25 1Q 26 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 Return on Equity (%) Return on Assets (%)
Slide 27: ESG Highlights
ESG Highlights
Slide 28: ESG Highlights | 1Q 2026
ESG Highlights | 1Q 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