Largest Bank in the Kingdom and MENA In terms of market cap


in Retail Banking Branch Network and ATMs Microfinancing Payments Brokerage


in Corporate Banking as of December 2022 up


spots from #7 in 2021

Highest Net Promoter Score (NPS)
in the Kingdom

2022 - 75%

2021 – 72%

Customer deposits


SAR 565 Bn.

2021 – SAR 512 Bn.
Increase: 10%

Retail financing



market share
2021 – 42.2%

Earnings per share


SAR 4.24

2021 – SAR 3.69
Increase: 15%

Total mortgage


SAR 222 Bn.

2021 – SAR 171 Bn.
Increase: 30%

Digital:Manual ratio



2021 – 90:10

Total capital adequacy ratio


SAR 21.4%

2021 – 17.5%

Total assets


SAR 762 Bn.

2021 – SAR 624 Bn. Increase: 22.2%

Active digital users


11.4 million

2021 – 9.7 million Increase: 17.5%

Net income (after Zakat)


SAR 17.15 Bn.

2021 – SAR 14.75 Bn. Increase: 16.3%

Staff strength



2021 – 15,078

Employee training days



2021 – 98,335

Intellectual capital
Al Rajhi Bank prides itself in its wealth of intellectual capital which has, since the Bank’s inception, set it apart from the competition. This growing and increasingly sophisticated capital includes intangibles that provide competitive advantage, future readiness and the ability to meet stakeholder expectations at all times, on top of impacting the Bank’s total market value. Al Rajhi Bank’s intellectual capital also comprises a number of vital attributes that are rarely reflected on the balance sheet, including, among other things, integrity and business ethics, corporate culture, systems and processes, intellectual property, capacity to innovate, accumulated knowledge and expertise, brands, and relationships. (Refer Stakeholders on page 35 for descriptions of other capitals).


  • Best Digital Bank in Saudi Arabia awarded by The Digital Banker
  • Best Mobile Banking Application in Saudi Arabia awarded by Global Business Magazine
  • Three awards including Leading Digital Bank in Saudi Arabia won at the World Business Outlook Awards
  • Best Bank in Saudi Arabia awarded by Euromoney
  • Three awards including Best Digital Payments and Remittance Bank in Saudi Arabia won at the International Business Magazine Awards
  • The Best Digital Bank at the Global Economics Awards
  • Best Banking Group in Saudi Arabia at the World Finance Awards
  • Best Mobile Banking Application in Saudi Arabia awarded by the Global Business Outlook
  • Best Digital Bank at the Global Banking & Finance Awards
  • Best Broker and Best Financial Research House awards for the Saudi Market at the Saudi Stock Exchange Awards for 2021
  • Al Rajhi GCC Equity Fund named the Lipper Fund Award 2022 winner for Equity GCC (Gulf Cooperation Council) over the three- and five-year periods in the MENA Markets category, the MENA Markets Domestic Funds category and the Global Islamic Fund category
  • Best performance in 2021 in the Saudi equity funds and GCC equity funds categories for the Al Rajhi Saudi Equity Fund and Al Rajhi GCC Equity Fund at the 2021 Sanadeq Awards