Mobile Telecommunications Company Saudi Arabia · TADAWUL:7030
Mobile Telecommunications Company Saudi Arabia — Zain KSA — Q2 2026 Earnings Presentation
29 slides from Mobile Telecommunications Company Saudi Arabia's earnings presentation, 2026
Slide 1: Welcome to Zain KSA Q2 2026 Earnings Call
Welcome to Zain KSA Q2 2026 Earnings Call All rights reserved - © Zain KSA
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 Kharafi Mehdi Khalfaoui Eng. Mohammad AlNujaidi Tiago Rocha Ossama Matta Vice Chairman Chief Financ
Slide 6: Historical Performance
505 2008 (2,278) 3,004 2009 (3,099) 5,934 2010 (2,358) 6,699 2011 (1,925) 6,404 2012 (1,749) 6,523 2013 (1,651) 6,244 HISTORICAL PERFORMANCE 2014 (1,270) 6,741 Net Profit (SAR M) 2015 (972) 6,927 2016 (980) Reported Figures (SAR mn) 7,306 2017 12 Revenue (SAR M) 7,531 2018 332 8,386 2019 485 Net los
Slide 7: Eng. Saad bin Abdulrahman AlSadhan, CEO
Eng. Saad bin Abdulrahman AlSadhan CEO
Slide 8: Financial Overview
Financial Overview H1 2026 Financial Results ZQIN Revenue Soles. Key Achievements ies sa Launched the Al Center of Excellence. Net Profit EBITDA Earnings Before Interest, Ta and Amortization 402%! ‘y/ Million & @ F Billions Obtained a Tier 2 Managed Security Launched the Al-powered Smart Hajj Operat
Slide 9: Tamam Finance Overview – H1 2026
Tamam Finance Overview – H1 2026 Tamam Finance, the fintech arm of Zain KSA, delivered a stable but transitional first half of 2026. Revenue held broadly flat year-on-year. tightening underwriting and rebalancing the portfolio toward stronger segments. Collections momentum is building, cash generati
Slide 10: Zain KSA Today
Zain KSA Today 8.9 Million 1,343 Zainers 236 Shops 48% Data Revenue Costumers. Woman: 22 % (Excluding SMS & VAS) Local: 89% 99% 66% 94.5% 67.6% 11,446 Total number of sites 61 SAR 28,754 TB/Day 2G 3G* 4G 5G 564 Cities covered by 3G 479 Cities covered by 4G Blended ARPU Average daily data traffic Pop
Slide 11: Network Achievement in Q2 2026
NETWORK ACHIEVEMENT IN Q2 2026 ▪ #1 Position among all operators in Downlink user speed (as Downlink User Speed (Mbps) Zain per Global platform specializing in performance measurements) 200 193.3 with +21% improvement year-over-year. 150 174.9 175.81 100 ▪ +4% Year-over-year overall increase in atta
Slide 12: Zain KSA Today: 5G & Total Data Traffic
Zain KSA Today 5G & Total Data Traffic (TB) 40,000 16.38% 35,000 66.08% 66.93% 58.10% 60.32% 64.22% 30,000 28,754 25,000 27,894 26,176 25,169 24,708 20,000 19,245 15,000 18,431 16,811 15,183 14,355 10,000 5,000 0 Q2 Q3 Q4 Q1 Q2 2025 2025 2025 2026 2026 5G Data Traffic (TB) Total Data Traffic (TB) 5G
Slide 13: Year of AI: Accelerating Zain KSA's Intelligent Transformation
Year of AI: Accelerating Zain KSA’s Intelligent Transformation Zain KSA Launches AI Center of Excellence A strategic initiative aligned with the Year of AI to enhance operational efficiency, elevate customer experience, and enable smarter, data-driven decision-making for consumers and businesses.
Slide 14: Launch Smart Hajj Platform
Launch Smart Hajj Platform AI-Driven Hajj Experience Zain KSA launched the Smart Hajj platform, an AI- powered solution for end-to-end network management, and welcomed the Minister during his visit to review its operational readiness across the holy sites.
Slide 15: Enterprise Growth
Enterprise Growth Licensed by the National Cybersecurity Authority to Strategic partnership with Dammam airport to operate a Managed Security Operations Center. strengthen digital infrastructure,
Slide 16: Excellence Recognition
Excellence Recognition CIPS Accreditation Customer Experience Excellence
Slide 17: Advanced BSS
Advanced BSS Yaqoot by Zain KSA Collaborates with Huawei Strategic partnership to strengthen BSS, enhance digital services competitiveness
Slide 18: Saudi Association of Hearing MOU
Saudi Association of Hearing MOU In line with our commitment to fostering an inclusive workplace, we signed an MoU with the Saudi Association for Hearing Impairment to provide sign language training for employees and equip employees with disabilities with the tools, resources, and development opport
Slide 19: Career Fair Participation
Career Fair Participation Actively participated in career fairs at leading universities and academic institutions, including King Saud University, Al Yamamah University, the Eastern Chamber, MCIT College, and Almadinah University, to attract and engage high-potential graduates and strengthen Zain KS
Slide 20: Launch Sustainability Strategy
Launch Sustainability Strategy Launched the 2026–2030 Sustainability Strategy, a five- year roadmap reinforcing the company's commitment to environmental responsibility, circular economy initiatives, and long-term sustainable growth.
Slide 21: Sustainable Impact
Sustainable Impact Digital Partner of Disability Social Responsibility Forum 2026 Zain KSA joined the forum as its Digital Partner, reaffirming its commitment to digital inclusion and accessibility. contribute in "Recycle Your Device" initiative alongside a group of partners. Reaching the milestone
Slide 22: Mehdi Khalfaoui, CFO
ZAIN Mehdi Khalfaoui CFO
Slide 23: Financial Highlights
Financial Highlights REVENUE [Million SAR] GROSS PROFIT [Million SAR] GROSS MARGIN % +10% +2% 62% 61% 62% 62% 62% 59% 59% 60% 60% +6% +5% +10% 6,471 6,574 +9% 10,983 10,365 5,857 9,883 9,075 5,315 +3% -1% 3,211 3,314 5,344 5,307 -0% 0% +2% 0% 2,654 2,656 2,651 1,625 1,659 1,654 2022 2023 2024 2025 Q
Slide 24: Financial Highlights
Financial Highlights OPERATIONAL INCOME [Million SAR] +9% +38% 1,313 1,199 -18% 1,066 14% Debts [Million SAR] 12% 12% +7% 12% Financing cost [Million SAR] 871 12% 11% 11% 10,692 10,376 10,351 Financing Cost 10% 719 735 680 9,940 10,086 Borrowings (MFAs) 9% 619 579 566 9,688 MOF Loan +17% +38% 8,953
Slide 25: Financial Highlights
Financial Highlights CASH BALANCE [Million SAR] +317% +102% 1,610 CAPEX [Million SAR] CAPEX/ REVENUES % +152% -11% +13% +56% Capex - Gross Addition 946 951 14% Capex/Revenue 840 12% 795 11% 10% 10% -9% 386 3% 3% 4% 3% 375 1,344 2022 2023 2024 2025 Q2 2025 Q1 2026 Q2 2026 +4% EBITDA – PAID CAPEX [Mil
Slide 26: 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 5,467 30 Sept 2030 New (MFA) Al-Rajhi Bank 1,927 17 Feb 2030 CAPEX Facility Al-Rajhi Bank 1,117 23 May 2034 WC Financing ENBD 100
Slide 27: ZAIN
ZAIN
Slide 28: 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 29: Thank You
This document has been classified as Internal Thank You All rights reserved - © Zain KSA