Al Rajhi Bank · TADAWUL:1120
Al Rajhi Bank — Q3 2025 Earnings Presentation
31 slides from Al Rajhi Bank's earnings presentation, 2025
Slide 1: Al Rajhi Bank Investor Presentation 3Q 2025
Al Rajhi Bank Investor Presentation 3Q 2025
Slide 2: 3Q 2025 Investor Presentation
3Q 2025 Investor Presentation 03 The World’s Leading Islamic Bank 11 KSA Macro-Economic Environment 13 Harmonize the group Strategy 15 3Q 2025 Financial Highlights 27 ESG Highlights 29 IR Contact Information 3Q 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, 3Q 2025 Presence & Branches, 3Q 2025 100% 66% Jordan Kuwait Islamic CASA Customers 13 2 510 4,302 Branches ATMs 20.5 million 85% 96 : 4 +970k 136 NPS Digital : Manual 510 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 66% CASA deposits in 2025
The World’s Leading Islamic Bank | Robust balance sheet with 66% CASA deposits in 2025 Total Assets (SARbn) Capital Ratios (%) 0 +69.8% 1,400 0 1,200 1059 21.4% 21.5% 21.1% 974 0 20.2% 808 1,000 762 20.3% 20.4% 0 624 17.5% 800 0 19.3% 19.7% 600 16.4% 17.2% 0 400 200 0 16.0% 15.9% 0 0 2021 2022 2023
Slide 7: What sets Al Rajhi Bank Apart
What sets Al Rajhi Bank Apart | ARB has the largest retail banking business in the Kingdom Market Share - Demand Deposits Market Share - Deposits 1 20.5 +40bps -130bps 0 0 0 24.2% 24.6% 23.4% 28.6% 0 23.2% 22.9% 0 25.9% 25.2% 24.6% 26.3% 0 0 Million 0 0 Customers 0 0 0 0 2021 2022 2023 2024 9M 25 20
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 -50bps 0 29.6% 29.1% 28.5% 29.0% 29.1% 0 26.8% 26.8% 26.9% 26.9% 26.8% 0 0 0 0 0 0 0 2021 2022 2023 2024 9M 25 2021 2022 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 -500bps -1530bps 1 1 51.8% 51.7% 1 44.6% 44.3% 41.0% 41.6% 1 39.6% 43.7% 40.3% 1 0 0 36.5% 0 0 0 0 0 0 0 0 2
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 Sep 2025 RAJHI SNB Riyad TASI Key Metrics 300 Closing Price SAR 107.2 RAJHI, 262 Market Cap SAR 423 bn 250 Market Cap / % Industry 40.4% M
Slide 11: KSA's Macro-Economic Environment
KSA’s Macro–Economic Environment 3Q 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 5.0% in Q3 2025 driven by higher 82.5 80.5 100.0 7.2 70.9 70.0 oil activities 5.2 80.0 8.7 41.7 60.0 3.2 4.0 • 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: 3Q 2025 Financial Highlights
3Q 2025 Financial Highlights
Slide 16: 3Q 2025 Results Summary
3Q 2025 Results Summary | Results were above expectations in the first nine months of 2025 9.0% YTD Growth in financing portfolio 8.3% Growth in liabilities LDR below regulatory minima 8.7% YTD Balance Net Financing Total Liabilities Loan to Deposit Ratio Sheet Growth 693.4bn +9.0% 756.0bn 851.2bn +
Slide 17: Balance Sheet Trends (1)
Balance Sheet Trends (1) | Total assets growth of 17.4% YoY and 8.6% YTD Total Assets (SARbn) SAR (mn) 3Q 25 2Q 25 QoQ 4Q 24 YTD +17.4% Cash & balances with SAMA 57,302 50,149 +14% 53,245 +8% 1,400 1,059 Due from banks & other FI 31,122 30,434 +2% 19,530 +59% 1,023 1,039 1,200 974 Investments, net 1
Slide 18: Balance Sheet Trends (2)
Balance Sheet Trends (2) | Financing growth driven by Corporate and Mortgage Financing, Net (SARbn) Financing, Net Mix By Segment Retail Financing Mix By Segment (SARbn) (SARbn) +16.5% Auto Loans 1,050 Corporate SME SAR 24bn SAR 215bn SAR 53bn 756.0 5% Credit Cards 52.9 850 693.4 28% 7% 649.0 39.1 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 +17.5% SAR 223bn Customers’ Time 24% 921.7 Investments Other 851.2 42.6 1,000 784.7 customer Rajh
Slide 20: Net Income Trends
Net Income Trends | Outstanding net income with a 29.6% growth YoY in 9M 2025 Net Income For The Period After Zakat (SARmn) SAR (mn) 9M 25 9M 24 YoY 3Q 25 3Q 24 YoY Net financing & investment income 21,696 17,902 +21% 7,294 6,397 +14% +24.6% 10,000 Fee from banking services, net 4,315 3,404 +27% 1,5
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) 16,000 +17.1% +23.1% 35,000 14,000 30,000 12,000 9,882 910 147 528 28,685 9,200 9,603 3,794 8,439 8,750 25,000 23,305 10,00
Slide 22: Expenses Trends
Expenses Trends | Cost efficiencies remains solid with a market leading cost to income ratio of 22.5% Operating Expenses (SARmn) Operating Expenses Growth Drivers By Type (SARmn) 4,000 6,000 +7.1% +8.9% 3,500 3,000 5,000 2,143 2,216 315 27 6,447 2,070 2,050 2,088 185 2,500 5,920 4,000 2,000 3,000 1,
Slide 23: Liquidity Trends
Liquidity Trends | Liquidity remains comfortably within regulatory requirements HQLA (SARbn) Loan to Deposits Ratio (SAMA) (%) 200 Regulatory 1 -6.6% Maximum 90% 131.0 85.5% 1 128.1 124.5 84.9% 150 120.7 122.3 82.5% 81.2% 1 78.3% 100 1 1 50 1 0 0 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25
Slide 24: Net Impairment & Assets quality
Net Impairment & Assets quality | Higher gross charge due to Financing portfolio growth with a maintained CoR Net Impairment Charges (SARmn) Cost of Risk (%) 1,250 -17.2% 0 1,050 0 688 850 600 0.33% 0.32% 0.29% 0.31% 0.31% 570 0 650 553 525 0 450 0 250 50 (0) 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 9M 24 FY 2
Slide 25: Capitalization Trends
Capitalization Trends | Capital position well above regulatory minima RWA (SARbn) Total Capital (SARbn) 1,000 +16.0% 200 +18.2% 670.2 800 611.4 46.1 141.5 577.8 47.0 123.6 119.7 150 47.0 17.1 9.3 600 10.5 5.6 400 9.8 100 6.0 554.0 607.0 132.2 200 521.0 50 113.7 118.0 0 0 3Q 24 4Q 24 3Q 25 3Q 24 4Q 2
Slide 26: Return Metrics
Return Metrics | Al Rajhi Bank’s returns remain industry-leading Return on RWA (%) Earnings per Share (SAR) 0 3 0 +21.7% 2 1.48 0 3.74% 3.78% 3.83% 1.41 1.45 3.49% 1.22 1.29 3.45% 2 0 0 1 0 1 0 0 0 9M 24 FY 24 1Q 25 1H 25 9M 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Return on Equity (%) Return on Assets (%)
Slide 27: ESG Highlights
ESG Highlights
Slide 28: ESG Highlights | 3Q 2025
ESG Highlights | 3Q 2025 +200 USD 5.7 bn Scholarships to Orphan ISO/DIS 37301:2020 Green syndicated loan 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 Sulaiman Alquraishi Mohammed M. Alqahtani +966 (11) 828 1987 +966 (11) 828 1921 Alquraishis@alrajhibank.com.sa AlqahtaniM-M@alrajhibank.com.sa Aishah Alshammari Investors Relations +966-11-828-1973 Al-shammariAK@alrajhibank.com
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