AI Summary
Abdullah bin Sulaiman Al Rajhi, Chairman of Alrajhi Bank
alrajhi bank delivered strong financial results for 2025, recording solid profit growth and positive financial indicators that reflect the strength of its financial position and the effectiveness of its strategy. Performance was supported by growth in core businesses, improved operating efficiency, and continued demand for financing and investment products, reinforcing the bank’s position as one of the region’s largest and most prominent financial institutions.
Net income for 2025 reached approximately SAR 24,792 million, representing year-on-year growth of 26% compared to 2024, driven by higher operating income and stronger profit margins. Total operating income amounted to around SAR 39,094 million, reflecting annual growth of 22%. Total assets increased to SAR 1,043 billion, up 7% year-on-year, demonstrating balanced expansion overall.
The financing portfolio recorded notable growth during the year, reaching SAR 753 billion, an increase of 9% compared to the previous year, supported by strong demand for the bank’s financing solutions. Customer deposits also rose to SAR 667 billion, highlighting the strength and stability of the bank’s deposit base.
alrajhi bank maintained strong profitability and efficiency metrics in 2025, with return on assets at 2.41% and return on shareholders’ equity at 23.4%. Earnings per share reached SAR 5.85. The coverage ratio for non-performing loans remained above 152%, reflecting disciplined risk management aligned with international best practices.
Commenting on the results, Chairman Abdullah Al Rajhi said: “alrajhi bank’s 2025 results demonstrate the strength of our business model and ability to deliver sustainable, balanced growth, supported by strong operating efficiency and disciplined execution of our “harmonize the group” strategy. We remain focused on maximizing shareholder value while delivering banking solutions that meet our customers’ evolving needs, while maintaining a strong financial position and high asset quality.”
He added that the 2025 performance reflects the success of the bank’s long-term strategy and the continued implementation of the Integrated Banking model, which strengthens collaboration across business units and subsidiaries and supports the delivery of innovative financial products and services across customer segments.
The Chairman also emphasized that the bank continues to invest in digital transformation, financial innovation, and customer experience as key pillars for growth and business development, in line with Saudi Vision 2030 and the ambitions of the Kingdom’s financial sector.
He added: “We look ahead with confidence to the next phase, as digital transformation and sustainability are at the core of our strategic priorities. alrajhi bank will continue to invest in innovation, expand financial inclusion, and apply best practices in environmental, social, and governance (ESG).”
Throughout 2025, social responsibility remained a core commitment embedded in the bank’s mission. alrajhi bank continued to implement long-term, high-impact initiatives across housing, healthcare, and education, reaffirming its role as an active partner in national development and quality-of-life enhancement.
In housing, the first phase of the “Dar Shahem” initiative was launched, providing 13 housing units for beneficiaries of the Martyrs, Wounded, Prisoners of War, and Missing Persons Fund, as part of an integrated project targeting the construction of 50 housing units across multiple phases. The initiative reinforces the bank’s role in supporting eligible beneficiaries and advancing sustainable development.
In healthcare, alrajhi bank’s initiatives delivered measurable impact. The Alrajhi Bank Cardiac Catheterization Center in Al Rass, equipped with the latest medical technologies, contributed to performing more than 10,000 cardiac imaging procedures, in addition to over 582 medical procedures at Al Rass General Hospital, including 272 successful cardiac catheterization procedures, some of which involved life-saving interventions. The bank also continued its support for long-term, high-impact healthcare projects, including the establishment of a diabetes treatment center in Qassim and a physical and occupational therapy and anti-smoking center at Turaif General Hospital, which has received more than 60,000 cases since its establishment through the end of 2025.
In education and capabilities building, the bank continued its orphan sponsorship program, supporting more than 200 students, alongside delivering over 260 hours of academic guidance to strengthen educational outcomes and skills development. The bank also implemented the “Riyal and Generations Tour” financial literacy initiative, benefiting 160 students through awareness sessions hosted at the bank. In addition, the “Shawirna & Shawarna” initiative, targeting university students across the Kingdom, provided more than 780 financial consultations, promoting saving and responsible financial management among youth.
Furthermore, in collaboration with the Ministry of Human Resources and Social Development and several non-profit organizations, alrajhi bank contributed to the employment of more than 792 new employees from social security beneficiary families during 2025.
Concluding his remarks, the Chairman affirmed that the 2025 results reflect alrajhi bank’s steady progress in executing its strategy, supported by a strong financial position and a clear growth agenda. He reiterated the bank’s leadership role in supporting the national economy, investing in the digital future, and advancing sustainability in line with Vision 2030 objectives. He also extended his appreciation to the bank’s employees for their dedication and efforts throughout 2025, emphasizing that sustaining strong performance and leadership requires continued commitment and excellence at both local and international levels.
Earlier in the year, the bank announced the board of directors’ recommendation to increase the bank’s capital by SAR 20 billion, raising total capital to SAR 60 billion from SAR 40 billion, through the issuance of one bonus share for every two shares held.
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