Mobile Telecommunications Company Saudi Arabia · TADAWUL:7030
Mobile Telecommunications Company Saudi Arabia — Zain KSA — Q1 2026 Earnings Presentation
25 slides from Mobile Telecommunications Company Saudi Arabia's earnings presentation, 2026
Slide 1: Welcome to Zain KSA Q1 2026 earnings call
Welcome to Zain KSA Q1 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
inancial Overview Q1 2026 Financial Results Revenues Net Profit 2 ° 6 6 4 Billion 2 0 1 3£ Million Upgraded to “A”rating in the global : Strategic partnerships to support CDP climate action assessment y social responsibility * Net profit growth excluding non-recurring items. * Results compared to Q1
Slide 9: Tamam Finance Overview – Q1 2026
Tamam Finance Overview – Q1 2026 Tamam Finance, the fintech arm of Zain KSA, continues to scale its digital lending platform in a competitive and evolving market. Licensed by the Saudi Central Bank (“SAMA”), Tamam is strengthening credit quality, enhancing collections, and optimizing portfolio perfo
Slide 10: Zain KSA Today
Zain KSA Today 8.3 Million 1,358 Zainers 236 Shops 49% Data Revenue Costumers. Woman: 22 % Local: 86% 7,170POS (Excluding SMS & VAS) 11,278 Total number of sites 99% 66% 94.5% 67.6% 65 SAR 27,894 TB/Day 2G 3G* 4G 5G 564 Cities covered by 3G 479 Cities covered by 4G Blended ARPU Average daily data tr
Slide 11: Network Achievement in Q1 2026
NETWORK ACHIEVEMENT IN Q1 2026 ▪ #1 Position among all operators in Downlink user speed (as per Global platform specializing in performance measurements) Zain Downlink User Speed (Mbps) with +19% improvement year-over-year. 200 187.94 164.55 150 155.17 ▪ +7% Year-over-year overall increase in attach
Slide 12: Zain KSA Today
Zain KSA Today 5G & Total Data Traffic (TB) 40,000 20.71% 35,000 64.22% 66.08% 56.30% 58.10% 60.32% 30,000 25,000 27,894 26,176 25,169 24,708 20,000 23,108 15,000 18,431 16,811 15,183 14,355 10,000 13,011 5,000 0 Q1 Q2 Q3 Q4 Q1 2025 2025 2025 2025 2026 5G Data Traffic (TB) Total Data Traffic (TB) 5G
Slide 13: Infrastructure Empowerment
Infrastructure Empowerment AI-Driven Connectivity Experience to Pilgrims at the Two Holy Mosque Sites During Ramadan 1447H
Slide 14: Ramadhan engagement with Employees and partners
Ramadhan engagement with Employees and partners
Slide 15: People Empowerment
People Empowerment MOU with the Ministry of Human Resources MOU with Princess Nourah University
Slide 16: CSR
CSR Partnership with Ehsan Partnership with Furijat partnership with Jood Eskan
Slide 17: Awards, Ranking and Certificate
Awards, Ranking and Certificate Labor Award - OSH Leaders & Partners Category Upgrades Score in Global Climate Change (Large and Mega Enterprises) Award recognizes Disclosure to ‘A’ Advancing Climate Governance leadership in fostering a safe workplace Toward Carbon Neutrality
Slide 18: Mehdi Khalfaoui CFO
ZAIN Mehdi Khalfaoui CFO
Slide 19: Financial Highlights
Financial Highlights GROSS PROFIT [Million SAR] REVENUE [Million SAR] GROSS MARGIN % +10% +2% 62% 62% 59% 59% 60% 59% 60% +6% 6,574 +5% +10% 6,471 +9% 10,983 10,365 5,857 9,883 5,315 9,075 --1% -8% +5% -4% 2,888 1,585 1,724 1,659 2,690 2,656 2022 2023 2024 2025 Q1 2025 Q4 2025 Q1 2026 2022 2023 2024
Slide 20: Financial Highlights
Financial Highlights OPERATIONAL INCOME [Million SAR] Debts [Million SAR] +9% Financing cost [Million SAR] +38% 1.313 Financing Cost -18% 1.199 10.692 Borrowings (MFAs) 10.376 10.376 14% 719 735 10.086 1.066 680 MOF Loan 9.688 9.863 566 12% ARB New LT Loan 12% 871 12% 8.953 Other Loans (ARB) 10% 175
Slide 21: Financial Highlights
Financial Highlights CASH BALANCE [Million SAR] CAPEX [Million SAR] +152% +13% CAPEX/ REVENUES % -11% +155% -16% 23% 946 951 951 +56% -9% 19% 840 14% 1,344 795 12% 10% 10% 3% Capex - Gross Addition +4% Capex/Revenue -84% -88% 375 1,482 676 312 504 915 951 79 2022 2023 2024 2025 Q1 2025 Q4 2025 Q1 20
Slide 22: 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 5,465 30 Sept 2030 New (MFA) Al-Rajhi Bank 1,926 17 Feb 2030 CAPEX Facility Al-Rajhi Bank 1,004 23 May 2034 Total 8,395 • Amounts
Slide 23: ZAIN
ZAIN
Slide 24: 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 25: Thank You
This document has been classified as Internal Thank You All rights reserved - © Zain KSA