Slides
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Al Rajhi Bank Results Presentation 4Q 2025 Earnings Conference Call and Webcast
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 4Q 2025 Earnings Call 2 03 4Q 2025 Results Summary 04 Harmonize The Group – Strategy Update 05 4Q 2025 Financial Highlights 18 FY 2026 Guidance 22 ESG Highlights 24 KSA’s Macro-Economic Environment 27 IR Contact Information
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 4Q 2025 Results Summary | Results were above expectations for the year 2025 3 7.3% YoY Balance Sheet Growth 8.6% YoY Growth in financing portfolio 6.0% Growth in liabilities LDR below regulatory cap Net Financing Total Liabilities Loan to Deposit Ratio 25.7% higher net income YoY 20.1% growth in net yield income 28.2% higher Non yield income 22.0% higher operating income Net Yield income Non Yield Income Operating Income Stable credit quality Maintained COR Healthy NPL ratio NPL coverage remained strong Cost of risk NPL NPL Coverage Key Ratios Operating efficiency remains solid Strong capital position Higher NPM Cost to income ratio Total Capital Adequacy Ratio NPM 693.4bn FY 24 752.8bn FY 25 +8.6% 849.3bn FY 24 900.4bn FY 25 +6.0% 24,843mn FY 24 29,846mn FY 25 +20.1% 7,212mn FY 24 9,248mn FY 25 +28.2% 32,055mn FY 24 39,094mn FY 25 +22.0% 0.32% FY 24 0.32% FY 25 24.9% FY 24 23.3% FY 25 3.13% FY 24 3.16% FY 25 0.76% FY 24 0.75% FY 25 85.5% FY 24 82.8% FY 25 20.2% FY 24 21.9% FY 25 159% FY 24 152% FY 25
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 4 “Harmonize the Group” | Highlights on our strategy performance Expand digital capabilities Group-wide Maintain leadership in customer experience Build successful careers across Al Rajhi Group Leader in Financial Conduct and Sustainability Centralization and standardization Increase automation and efficiency Increase scale and agility via Cloud Leverage customer base via cross-sell Enter new segments Develop customer focused propositions Become ‘main bank’ of large corporates Develop Investment Banking business Grow SME via tailored solutions Customer-centric digital journeys Group-wide Group-wide insights and real-time marketing % of customers with more than one product 38.0% 44.6% FY 2023 Q4 2025+6.6% Corporate Banking market share 12.3% 14.6% FY 2023 Q3 2025+2.3% % of capabilities centralized & standardized 13.5% 53.5% FY 2023 Q4 2025+40.0% Digital : Manual ratio 94:6 96:4 FY 2023 Q4 2025+2% Sales growth from target customers - indexed 100 440 FY 2023 Q4 2025+340% Revenue growth from Investment Banking - indexed 100 370 FY 2023 Q4 2025+270% % of processes automated 25% 62% FY 2023 Q4 2025+37% # of Group and open banking APIs 119 409 FY 2023 Q4 2025+244% # of Customers 15.8M 20.6M FY 2023 Q4 2025+30% SME portfolio growth SAR 30B SAR 59B FY 2023 Q4 2025+94.3% % of applications that are Cloud ready 29% %92 FY 2023 Q4 2025+63% Revenue increase from data driven marketing - indexed 100 547 FY 2023 Q4 2025+447% Business to Consumer Business to Business Support Businesses Digital & Data Net-Promoter-Score (NPS) 76% 82% FY 2023 Q4 2025+6% Training Days Total - indexed 100 405 FY 2023 Q4 2025+305% ESG rating BBB AA FY 2023 Q4 2025 Ensure Al Rajhi Group’s a great place to work Employee Engagement 74% 74% FY 2023 Q4 2025+0% +2
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4Q 2025 Financial Highlights
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 6 Balance Sheet Trends (1) | Total assets growth of 7.3% driven by Financing book growth 972 1,023 1,039 1,059 1,043 +7.3% 200 400 600 800 1,000 1,200 1,400 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Total Assets (SARbn) 15.4 972.4 (0.4) 12.3 1,043.3 +7.3% 39.1 4.4 0 100 200 300 400 500 600 700 4Q 24 Interbank Customers' Deposits Sukuk & Other Liab. Equity Equity Sukuk 4Q 25 Movement in Funding (SARbn) (0.6) 3.9 972.4 0.8 7.4 1,043.3 +7.3% 59.4 0 100 200 300 400 500 600 4Q 24 Cash & SAMA Interbank Investments, net Financing, Net Other Assets, Net 4Q 25 Movement in Assets (SARbn) SAR (mn) 4Q 25 3Q 25 QoQ 4Q 24 YoY Cash & balances with SAMA 54,005 57,302 -6% 53,245 +1% Due from banks & other FI 26,941 31,122 -13% 19,530 +38% Investments, net 175,462 179,916 -2% 176,068 -0% Financing, net 752,760 755,985 -0% 693,410 +9% Other assets, net 34,101 34,915 -2% 30,192 +13% Total assets 1,043,268 1,059,240 -1.5% 972,444 +7% Due to banks & other FI 117,284 112,775 +4% 117,677 -0% Customers' deposits 667,288 693,905 -4% 654,989 +2% Sukuk issued & term Financing 79,867 72,413 +10% 37,458 +113% Other liabilities 35,918 42,633 -16% 39,181 -8% Total liabilities 900,356 921,725 -2% 849,305 +6% Total equity 142,912 137,515 +4% 123,139 +16%
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 7 Balance Sheet Trends (2) | Financing growth driven by Corporate and Mortgage 475.2 487.3 482.1 177.9 214.6 211.21.3 1.2 0.8 39.0 52.9 58.7693.4 756.0 752.8 +8.6% 0 200 400 600 800 1,000 4Q 24 3Q 25 4Q 25 Financing, Net (SARbn) Retail Corporate Financial institutions SME (3.4) 655.0 (25.1) 40.8 667.3 +1.9% 0 100 200 300 400 500 600 700 4Q 24 Demand Time Other 4Q 25 Movement in Total Customers' Deposits (SARbn) 33.3 (0.4) 693.4 8.8 (2.0) 752.8 +8.6% 19.7 0 100 200 300 400 500 600 4Q 24 Mortgage Other Retail Corporate SME Financial institutions 4Q 25 Movement in Financing (SARbn) 446.4 427.4 421.4 14.7 12.1 11.3 193.8 254.3 234.6 655.0 693.9 667.3 +1.9% 0 200 400 600 800 1,000 4Q 24 3Q 25 4Q 25 Total Customers' Deposits (SARbn) Demand deposits Other customer accounts Customers’ time investments
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 8 Balance Sheet Trends (3) | Investments continue supporting our portfolio diversification 140.4 155.9 151.5 15.0 7.8 9.5 9.6 11.8 13.4 13.2 175.0 178.8 174.3 -0.4% 0 50 100 150 200 250 4Q 24 3Q 25 4Q 25 Investments, Net (SARbn) Sukuk Murabaha with Gov. & SAMA Structured Products Equity & Mutual funds 145.6 147.6 144.2 29.4 31.2 30.1 175.0 178.8 174.3 -0.4% 0 50 100 150 200 250 4Q 24 3Q 25 4Q 25 Investments, Net (SARbn) Domestic Investments International Investments 138.1 141.8 138.3 28.7 29.3 28.38.2 7.7 7.8 175.0 178.8 174.3 -0.4% 0 50 100 150 200 250 4Q 24 3Q 25 4Q 25 Investments, Net (SARbn) Investments held at AC FVOCI investments FVIS investments 133.0 133.8 129.6 22.4 22.1 21.87.8 9.5 9.6 11.8 13.4 13.2 175.0 178.8 174.3 -0.4% 0 50 100 150 200 250 4Q 24 3Q 25 4Q 25 Investments, Net (SARbn) Fixed-rate Sukuk Floating-rate Sukuk Structured Products Equity & Mutual funds
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 9 Net Income Trends | Outstanding net income with a 25.7% growth YoY in 2025 5,516 5,906 6,151 6,360 6,375 +15.6% 0 2,000 4,000 6,000 8,000 10,000 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Net Income For The Period After Zakat (SARmn) (56) 6,360 856 (328) 6,375 +0.2% (463) 13 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 3Q 25 Yield Non-Yield Expenses Impairments Zakat 4Q 25 Net Income After Zakat Growth Drivers By Type (SARmn) (204)19,722 5,003 2,036 24,792 +25.7% (1,156) (585) 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 FY 24 Yield Non-Yield Expenses Impairments Zakat FY 25 Net Income After Zakat Growth Drivers By Type (SARmn) SAR (mn) FY 25 FY 24 YoY 4Q 25 4Q 24 YoY Net financing & investment income 29,846 24,843 +20% 8,150 6,941 +17% Fee from banking services, net 5,869 4,693 +25% 1,554 1,288 +21% Exchange Income, net 1,559 1,293 +21% 457 337 +35% Other operating income, net 1,820 1,227 +48% 248 183 +36% Fees and other income 9,248 7,212 +28% 2,260 1,809 +25% Total operating income 39,094 32,055 +22% 10,409 8,750 +19% Operating expenses -9,127 -7,971 +15% -2,680 -2,050 +31% Pre-provision profit 29,967 24,085 +24% 7,730 6,700 +15% Total impairment charge -2,320 -2,117 +10% -626 -553 +13% Net income for the period before Zakat 27,646 21,968 +26% 7,104 6,147 +16% Zakat -2,822 -2,237 +26% -717 -626 +14% Non-controlling interests 33 9 +265% 13 5 +134% Net income for the period after Zakat 24,792 19,722 +26% 6,375 5,516 +16%
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 10 Operating Income Trends | Higher operating income driven by net yield and fee income growth -0.01% 0.02%3.13% 0.02% -0.07% 3.16% +3 bps 0.05% 0 0 0 0 0 0 0 0 0 0 FY 24 Retail Corporate Treasury CoF Mgmt Actions FY 25 NPM Drivers (%) 593 32,055 5,003 1,176 39,094 +22.0% 266 0 10,000 20,000 30,000 40,000 50,000 FY 24 Net Yield Fee banking services, net Exchange income, net Other income, net FY 25 Total Operating Income Growth Drivers By Type (SARmn) 8,750 9,200 9,603 9,882 10,409 +19.0% 0 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Total Operating Income (SARmn) 3.13% 3.16% 3.14% 3.09% 3.16% 5.93% 5.86% 5.85% 5.85% 5.91% 2.80% 2.70% 2.71% 2.76% 2.75% (0) 0 FY 24 1Q 25 1H 25 9M 25 FY 25 Net Profit Margin (%) NPM (%) Gross Yield (%) CoF (%)
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 11 Expenses Trends | Cost efficiencies remains solid with a market leading cost to income ratio of 23.3% 2,050 2,088 2,143 2,216 2,680 +30.7% 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Operating Expenses (SARmn) 24.9% 22.7% 22.5% 22.5% 23.3% 0 0 0 0 0 0 0 FY 24 1Q 25 1H 25 9M 25 FY 25 Cost To Income Ratio (%) 0.8% 1.3% 24.9% -3.3% -1.4% 23.3% -152 bps 1.0% 0 0 0 0 0 FY 24 Yield Income Non-Yield Income Staff Depreciation G&A FY 25 Cost to Income Ratio Drivers (%) 467 7,971 302 387 9,127 +14.5% 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 FY 24 Salaries & Benefits Depreciation Other G&A expenses FY 25 Operating Expenses Growth Drivers By Type (SARmn)
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 12 Net Impairment & Cost of Risk | Higher gross charge due to Financing portfolio growth with a maintained CoR 553 525 600 570 626 +13.3% 50 250 450 650 850 1,050 1,250 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Net Impairment Charges (SARmn) 2,117 861 (657) 2,320 +9.6% 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 FY 24 Retail Non-Retail FY 25 Movement in Net Impairment by Group (SARmn) (899) 2,117 1,102 2,320 +9.6% 0 1,000 2,000 3,000 4,000 5,000 FY 24 Gross charges Recoveries FY 25 Movement in Net Impairment (SARmn) 0.32% 0.29% 0.31% 0.31% 0.32% (0) 0 0 0 0 0 FY 24 1Q 25 1H 25 9M 25 FY 25 Cost of Risk (%)
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 13 Asset Quality Trends (1) | Asset quality remains healthy 0.36% 0.29% 0.46% 0.43% 0.40% 1.63% 1.66% 1.27% 1.36% 1.37% 0.76% 0.74% 0.74% 0.76% 0.75% (0) 0 0 0 0 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 NPL Ratio (%) Retail Non-Retail Group 159.4% 152.7% 150.5% 151.2% 152.5% 1 1 2 2 3 3 4 4 5 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 NPL coverage ratio (%) 5,615 5,334 (5,256) 5,694 +6.7% 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 4Q 24 Write off Netflow 4Q 25 NPL Formation (SARmn) 141 5,334 218 5,694 +6.7% 0 1,000 2,000 3,000 4,000 5,000 4Q 24 Retail Non-Retail 4Q 25 Movement in NPL (SARmn)
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 14 Asset Quality Trends (2) | Healthy stage coverage reflecting prudent risk management 0.37% 0.37% 0.37% 12.0% 11.4% 10.6% 54.8% 56.3% 55.5% 0 0 0 0 0 0 0 0 0 4Q 24 3Q 25 4Q 25 ECL Coverage (%) Stage 1 Stage 2 Stage 3 426 8,505 (248) 8,683 +2.1% 0 2,000 4,000 6,000 8,000 10,000 12,000 4Q 24 Retail Non-Retail 4Q 25 Movement in ECL by Group (SARmn) 2,482 2,732 2,714 1,699 1,653 1,682 4,324 4,399 4,287 8,505 8,784 8,683 0 2,000 4,000 6,000 8,000 10,000 4Q 24 3Q 25 4Q 25 ECL by Stage (SARmn) Stage 1 Stage 2 Stage 3 679.9 742.5 737.8 14.1 14.5 15.9 7.9 7.8 7.7701.9 764.8 761.4 +8.5% 0 200 400 600 800 1,000 4Q 24 3Q 25 4Q 25 Gross Loans by Stage (SARbn) Stage 1 Stage 2 Stage 3
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n Regulatory Minimum 100% Regulatory Maximum 90% 15 Liquidity Trends | Liquidity remains comfortably within regulatory requirements 85.5% 84.9% 82.5% 81.2% 82.8% 0 1 1 1 1 1 1 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Loan to Deposits Ratio (SAMA) (%) 120.1% 148.6% 152.9% 154.4% 168.7% 1 1 1 1 1 2 2 2 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 LCR (%) 108.7% 110.3% 108.6% 110.6% 109.0% 1 1 1 1 1 1 1 1 1 1 1 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 NSFR (%) Regulatory Minimum 100% 128.1 124.5 120.7 122.3 127.3 -0.6% 0 20 40 60 80 100 120 140 160 180 200 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 HQLA (SARbn)
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 16 Capitalization Trends | Capital position well above regulatory minima 554.0 607.0 612.5 10.5 17.1 15.347.0 46.1 46.1611.4 670.2 673.9 +10.2% 0 200 400 600 800 1,000 4Q 24 3Q 25 4Q 25 RWA (SARbn) Credit risk Market risk Operational risk 117.9 132.2 138.1 5.6 9.3 9.2123.6 141.5 147.3 +19.2% 0 50 100 150 200 4Q 24 3Q 25 4Q 25 Total Capital (SARbn) Total tier 1 capital (T1) Tier 2 capital (T2) 0.1% 0.9% 19.3% -1.4% 3.8% 20.5% 1.20% -0.1% -2.1% 0 0 0 0 0 0 0 4Q 24 Dividends YTD Profit Other reserves FTA + Goodwill Sukuk RWA 4Q 25 Tier 1 Drivers (%) 16.0% 15.8% 15.5% 15.9% 16.6% 19.3% 19.8% 19.4% 19.7% 20.5% 20.2% 20.6% 20.2% 21.1% 21.9% 0 0 0 0 0 0 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Capital Ratios (%) CET1 ratio T1 ratio TC ratio
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 17 Return Metrics | Al Rajhi Bank’s returns remain industry-leading 3.49% 3.74% 3.78% 3.83% 3.86% 0 0 0 0 0 0 0 FY 24 1Q 25 1H 25 9M 25 FY 25 Return on RWA (%) 21.06% 23.10% 23.50% 23.55% 23.36% 0 0 0 0 0 0 0 0 0 0 FY 24 1Q 25 1H 25 9M 25 FY 25 Return on Equity (%) 2.26% 2.36% 2.38% 2.40% 2.41% 0 0 0 0 0 0 0 FY 24 1Q 25 1H 25 9M 25 FY 25 Return on Assets (%) 1.29 1.41 1.45 1.48 1.51 +17.1% 0 1 1 2 2 3 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Earnings per Share (SAR)
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FY 2026 Guidance
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n FY 2026 Assumptions and Outlook | Interest rates are expected to be lower in 2026 19 Economy • Saudi real GDP is estimated to improve by 4.5% in 2025 driven by 4.9% higher non-oil activities • IMF has revised Saudi GDP growth forecasts to 4.5% in 2026 • Consumer spending increased by 10.7% YoY in FY 2025 backed by the improved economic activities • Credit demand is expected to remain positive with a lower growth compared to historical levels Interest Rates • Based on the recent updates on U.S and global economy, we expect two rate cuts during the second half of 2026 • The outlook of the interest rates environment will have an impact on both credit demand and deposit mix • NIM outlook in the lower rate environment is positive supported by the bank fixed-rate book • SRC benchmark rates remains at 7.2% levels by end of 2025 Strategy & Execution • ln February 2024, we have launched our “Harmonize the Group” strategy • Our new Strategy will be focused on providing a financial ecosystem through a universal bank offering • The focus will continue to improve the overall banking experience through several initiatives • ESG remains a focus for the management to build a sustainable business that contributes to the bottom line
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n FY 2026 Guidance | For our strategy “Harmonize the Group“ 20 FY 2025 Change FY 2025 Actual FY 2026 Guidance Balance Sheet Financing +8.6% SAR 753 Bn. Low to mid single digit Profitability Net profit margin +3 bps 3.16% +25 bps to +35 bps Cost to income ratio -1.52% 23.35% Below 23.0% ROE +2.30% 23.36% Above 23.5% Asset Quality Cost of risk 0 bps 0.32% 0.30% - 0.40% Capital Tier 1 ratio +1.20% 20.49% Above 20%
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Q & A
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ESG Highlights
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 23 ESG Highlights | 4Q 2025 USD 6.9 bn Green syndicated loans +200 Scholarships to Orphan students to join Universities ISO/DIS 37301:2020 Compliance Started using solar energy system in 61 branches to reduce utilities consumption +39k Families have been benefited from the affordable housing solutions USD 1.0bn Social Sukuks ISO 22301:2019 Business Continuity Management SAR 1,043bn Total Assets Around SAR 3bn of financing renewable energy projects SAR 2,822mn Zakat +272 Catheterization Procedures Performed 282 Sharia Board Resolutions in 2024 24% growth in female employees in 2024 SAR 24.8bn Net Profit after Zakat USD 2.0bn Sustainable senior Sukuk SAR 4,026mn In salaries and benefits paid 14 Batches of Graduate Development Program since 2015 137 Policies & Frameworks 34% of female employees at the group level 0% Financing exposure in Tobacco, Alcohol & Gambling 96:4 Digital to Manual Ratio SAR 58.7bn in financing for SMEs +24k Employees across the group 4 out of 11 Independent Board Directors +100% growth in female customers since 2015 Financial Sustainability Environmental Social Governance Gender Diversity 4Q 2025 figures
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KSA’s Macro–Economic Environment
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1,076 1,039 1,164 1,293 1,375 1,336 782 965 1,268 1,212 1,259 1,091 1,701 1,708 1,724 1,638 1,640 1,726 1,000 1,100 1,200 1,300 1,400 1,500 1,600 1,700 1,800 0 200 400 600 800 1,000 1,200 1,400 1,600 1,800 2,000 2020 2021 2022 2023 2024 2025 Expenditure/Revenue and Asset Reserves (SARbn) Government expenditure Government revenue SAMA asset reserves Highlights • Saudi GDP is expected to increase by 4.5% in 2025 driven by higher oil and non-oil activities. • Based on IMF forecasts, Saudi’s GDP is estimated to grow 4.5% in 2026 • Unemployment rate stands at 7.5% in Q3 2025 25 KSA Economic Outlook | Economic conditions remain positive for the Kingdom Source: SAMA, IMF, MoFSource: MoF, SAMA Source: IMF, U.S. Energy Information 1.2% 0.8% 3.2% 5.9% 6.0% 5.3% 3.4% 3.3% 2.5% 2.3% 1.7% 2.3% -10.0% -8.0% -6.0% -4.0% -2.0% 0.0% 2.0% 4.0% 6.0% 8.0% 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 6.0% 2020 2021 2022 2023 2024 2025 3M SAIBOR / Inflation 3M SAIBOR (average %) Inflation (average consumer prices %) -4.1 3.3 8.7 -0.8 1.3 4.3 41.7 70.9 99.0 82.5 80.5 69.0 0.0 20.0 40.0 60.0 80.0 100.0 -2.8 -0.8 1.2 3.2 5.2 7.2 2020 2021 2022 2023 2024 2025 GDP Growth/Brent Oil Price GDP Growth, Constant Prices (%) Brent Crude (USD/bbl)
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Recent Developments • Deposits have grown in the banking system by end of December 2025 align with loans growth. • SRC benchmark rates stand at 7.2% by the end of 2025 • Consumer spending increased by 10.7% YoY in FY 2025 with continuous migration toward cashless payment methods 26 Banking Sector Highlights | Banking system deposits continue growing in 2025 Source: SAMA Source: SAMASource: SAMA 2,059 2,349 2,584 2,956 3,296 2,104 2,295 2,473 2,692 2,926 79.5% 81.5% 80.7% 83.2% 80.3% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 1,000 1,100 1,200 1,300 1,400 1,500 1,600 1,700 1,800 1,900 2,000 2,100 2,200 2,300 2,400 2,500 2,600 2,700 2,800 2,900 3,000 3,100 3,200 3,300 3,400 3,500 3,600 3,700 3,800 2021 2022 2023 2024 2025 SAMA LDR (%) & Bank Loans and Deposits (SARbn) Loans to private & public sectors Total Deposits SAMA LDR 582 555 549 553 538 473 559 614 668 707 74 123 157 197 325 1,130 1,237 1,320 1,418 1,570 0 200 400 600 800 1000 1200 1400 1600 2021 2022 2023 2024 2025 POS/ATM & E-Commerce (SARbn) ATM withdrawls POS spending E-Commerce Spending 315 446 550 607 681 726 59.1% 41.4% 23.3% 10.4% 12.2% 10.5% -30.0% -10.0% 10.0% 30.0% 50.0% 70.0% 0 100 200 300 400 500 600 700 800 2020 2021 2022 2023 2024 Q3 25 Retail Mortgage (SARbn) Retail Mortgage loans (SARbn) YoY Growth (%)
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IR Contact Information
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 28 Additional Information | Contact investor relations for more information Visit our website (here) for more Investor disclosers: • Annual Report • Financial Statements • Investor Presentation • Factsheet • Data Supplement • Earnings Release Alrajhi Mobile App Alrajhi Business App Alrajhi IR App Emkan App urpay App Sulaiman Alquraishi +966 (11) 828 1987 Alquraishis@alrajhibank.com.sa Mohammed M. Alqahtani +966 (11) 828 1921 AlqahtaniM-M@alrajhibank.com.sa Aishah Alshammari +966-11-828-1973 Al-shammariAK@alrajhibank.com.sa Investors Relations IR@alrajhibank.com.sa
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4 Q 2 0 2 5 R e s u l t s P r e s e n t a t i o n 29 Disclaimer • AL RAJHI BANK HEREIN REFERRED TO AS ARB MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY REGARD ING THIS DOCUMENT OR THE MATERIALS AND INFORMATION CONTAINED OR REFERRED TO ON EACH PAGE ASSOCIATED WITH THIS DOCUMENT. THE MATERIAL AND INFOR - MATION CO NTAINED ON THIS DOCUMENT IS PROVIDED FOR GENERAL INFORMATION ONLY AND SHOULD NOT BE USED AS A BASIS FOR MAKING BUSINESS DECISIONS. ANY ADVICE OR INFORMATION RECEIVED VIA THIS DOCUMENT SHOULD NOT BE RELIED UPON WITHOUT CONSULTING PRIMARY OR MORE ACCURATE OR MORE UP-TO-DATE SOURCES OF INFORMATION ORSPECIFIC PROFESSIONAL ADVICE. YOU ARE RECOMMENDED TO OBTAIN SUCH PROFESSIONAL ADVICE WHERE APPROPRIATE. • GEOGRAPHIC, POLITICAL, ECONOMIC, STATISTICAL, FINANCIAL AND EXCHANGE RATE DATA IS PRESENTED IN CERTAIN CASES IN APPROXIMATE OR SUMMARY OR SIMPLIFIED FORM AND MAY CHANGE OVER TIME. RELIANCE HAS BEEN PLACED BY THE EDITORS ON CERTAIN EXTERNAL STATISTICAL DATA WHICH, THOUGH BELIEVED TO BE CORRECT, MAY NOT IN FACT BE ACCURATE. ARB ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY FROM ACTION TAKEN, OR NOT TAKEN, IN RELIANCE ON MATERIAL OR INFORMATION CONTAINED IN THIS DOCUMENT. IN PARTICULAR, NO WARRANTY IS GIVEN THAT ECONOMIC REPORTING INFORMATION MATERIAL OR D ATA IS ACCURATE RELIABLE OR UP TO DATE. • ARB ACCEPTS NO LIABILITY AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDI - RECTLY (INCLUDING SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM YOUR USE OF CONTENTS IN THE DOCUMENT, HOWSOEVER ARISING, AND INCLUDING ANY LOSS, DAMAGE OR EXPENSE ARISING FROM, BUT NOT LIMITED TO, ANY DEFECT, ERROR, IMPERFECTION, FAULT, MISTAKE OR INACCURACY WITH THIS DOCUMENT.