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    harmonize
    the group

    Family

    harmonize
    the group

    Harmonizing Group

    harmonize
    the group

    Every decade or so, new trends, technologies, and rapidly evolving customer needs cause seismic shifts in the banking industry. Over these past few decades, alrajhi bank has been at the forefront of such industry changes. With YOU as our primary focus, our approach to these inevitable transitions has been strategic, yet bold. Prudent, yet innovative. Progressive, yet sustainable. We evolved alongside you and your needs, from a bank to an ecosystem of broader financial capabilities and solutions, ready for the next paradigm shift.

    A seamlessly connected, digitally elevated, hyper-personalised, omnichannel, universal banking experience, harmonized to fulfil YOUR evolving financial needs.

    this is
    al rajhi bank

    Headquartered in Riyadh, Kingdom of Saudi Arabia, alrajhi bank operates under Commercial Registration No. 1010000096. A member of the alrajhi bank group, the bank is listed on the Saudi Stock Exchange (Tadawul) with the Ticker No. RJHI [1120]. alrajhi bank is the world’s largest Islamic bank with X 1,043 Bn. (USD 278 Bn.) in assets, a paid-up capital of X 40 Bn. (USD 11 Bn.) and an employee base of over 25,000 associates.

    alrajhi bank
    group

    alrajhi bank group provides customers with innovative financial products and services that are simultaneously in line with Islamic banking principles and rapidly evolving market requirements.

    The group is Shariah-compliant and has been instrumental in bridging the gap between 21st-century financial demands and intrinsic Islamic values.

    chairman’s statement

    chairman

    Through a unified digital ecosystem and broader financial inclusion, we have delivered exceptional value, supporting national growth and cementing our position as a key architect of the Kingdom’s economic transformation.

    managing director
    and chief executive
    officer's review

    In 2025, we accelerated our digital transformation, strengthened our performance, and continued delivering sustainable growth aligned with Vision 2030 and our unified group strategy.

    ceo

    value drivers
    2025

    World’s largest Islamic Bank (by assets and market cap)

    #1 in

    • Bank in KSA (by number of customers and total financing)
    • Retail bank in the Middle East (Retail Deposits and Income)
    • Distribution network in the Middle East (by # of Branches, POS, ATMs, Remittance Centres)
    • In banking transactions in KSA (1+ billion transactions per month, on average)
    • Bank for remittances in Middle East (by payment value)
    • Bank brand in KSA (brand power score)

    Leading market share in KSA across key products

    #1 in

    Personal Loans

    #1 in

    Auto Loans

    #1 in

    Mortgages

    #3 in

    Corporate

    One of the Highest Net Promoter Scores (NPS) in the Kingdom

    2025 – 82

    Net income after Zakat

    2025

    X 24.8 Bn.

    2024 – X 19.7 Bn.

    Total assets

    2025

    X 1043 Bn.

    2024 – X 972 Bn.

    Earnings per share

    2025

    X 5.85

    2024 – X 4.67

    sustainable financing at
    alrajhi bank: a timeline

    alrajhi bank’s approach to sustainable finance is grounded in Shariah principles, with social responsibility, ethical conduct, and long-term value creation at its core. The bank’s lending strategy is rooted in the belief that advancing the Kingdom’s journey toward a sustainable future is not merely a responsibility but also a significant opportunity for growth, and that financial institutions are key enablers in making this transition a reality. The bank finances several diverse environmental and social initiatives as well as mega and giga projects, supporting the realisation Saudi Vision 2030 objectives.

    2025

    Issued Sustainable AT1 Sukuk of USD 1.5 Bn. under the Bank’s Sustainable Finance Framework, the largest AT1 issuance by a MENA bank to date. Strong international investor demand resulted in subscriptions exceeding 200%.

    The bank issued its first Tier 2 Sukuk in international debt markets in 2025. This USD 1 Bn. Shariah-compliant social sukuk was issued with the lowest profit rate for a Tier 2 instrument in the Saudi market, as well as one of the lowest globally.

    2024

    1st issuance of USD denominated AT1 Sukuk

    alrajhi bank succeeded in offering the first sustainable additional capital (AT1) USD denominated sukuk of USD 1 Bn. and a profit rate of 6.375% annually.

    2nd issuance of Sustainable Sukuk in the USD

    USD 1 Bn. 5-year 3rd successive shariah compliant syndication

    alrajhi bank conducted a USD 1.92 Bn. Sustainable Senior Secured Syndicated loan facility

    2023

    Successfully closed 1st USD Sustainable Sukuk issuance in international debt markets

    alrajhi bank issued a USD 1 Bn. 5-year USD-denominated Sustainable Sukuk

    The orderbook for the Sukuk peaked over USD 3.75 Bn.

    Successfully concluded 2nd successive shariah compliant syndication

    alrajhi bank closed a USD 1.43 Bn. Senior Secured Syndicated loan facility

    2022

    1st transaction completed under the Sustainable Finance Framework

    alrajhi bank successfully conducted a USD 1.165 Bn. 3-year dual tranche Sustainable Commodity Murabaha facility

    Close