overview

five-year summary

Key indicators from the consolidated financial statements for the year ended 31 December 2025.

For the years ended 31 December	2025	2024	2023	2022	2021
Operating results for the year, X ‘000
Net financing and investment income	29,845,671	24,843,046	21,269,119	22,172,687	20,391,936
Total operating income	39,093,965	32,055,303	27,531,409	28,575,019	25,716,398
Total operating expenses	11,447,469	10,087,408	9,002,124	9,452,329	9,271,608
Net income	24,791,754	19,731,186	16,621,159	17,150,825	14,746,211
Total comprehensive income	25,716,835	19,516,348	16,955,074	16,640,035	15,190,996
Assets and liabilities, X ‘000
Financing, net	752,759,851	693,409,723	594,204,806	568,338,114	452,830,657
Customer deposits	667,287,500	654,988,501	573,100,607	564,924,688	512,072,213
Total assets	1,043,268,297	972,444,354	808,098,272	761,618,888	623,644,628
Total liabilities	900,355,952	849,305,123	701,338,841	661,393,853	556,363,064
Total equity	142,912,345	123,139,231	106,759,431	100,225,035	67,281,564
Profitability
Return on average assets (%)	2.41	2.26	2.12	2.46	2.70
Return on average equity (%)	23.36	21.06	19.35	22.68	23.87
Earnings per share (X)	5.85	4.67	3.95	4.24	3.69
Dividend per share (X)	2.5*	2.71	2.30	1.25	0.88
Regulatory ratios
Capital adequacy ratio:
Tier I (%)	20.49	19.29	20.40	20.27	16.36
Tier I and II (%)	21.85	20.21	21.52	21.41	17.50
Growth
alrajhi group staff (Nos.)	25,083	23,406	20,878	19,964	15,078
Branches (Nos.)	511	512	509	516	521
ATMs (Nos.)	4,327	4,371	4,552	4,727	4,891
POS terminals (Nos.)	991,927	786,252	601,153	533,442	326,121

*The Board of Directors recommended to the General Assembly to distribute X 1.75 dividends per share for the second half of 2025.

INTEGRATED ANNUAL REPORT 2025