Banking Sector: 70%
Investment Sector: 20%
Islamic Financial Services: 10%

Top 3 Markets:
Saudi Arabia: 60%
United Arab Emirates: 20%
Kuwait: 10%

Al Rajhi Banking and Investment Corporation generates the majority of its revenue from traditional banking, accounting for about 70% of total income. The investment sector contributes another 20%, while Islamic financial services, based on Sharia-compliant products, generate approximately 10% of revenues.

The main market is Saudi Arabia, where the company generates 60% of its revenue. The United Arab Emirates and Kuwait are also significant markets, accounting for a combined 30% of revenues. This geographical distribution demonstrates the company's strong regional presence in the Middle East.

Production: Al Rajhi Banking and Investment Corporation does not produce physical products.

Al Rajhi Banking and Investment Corporation is one of the largest Islamic banks in the world and offers a variety of financial services, including bank accounts, loans, investment products, and insurance. As a financial institution, there is no physical production of products. Instead, the company focuses on providing services in the financial sector, mainly in Saudi Arabia and other countries in the Middle East.

Strategy for Future Growth: Diversification and Digitalization (2025)

Al Rajhi Banking and Investment Corporation is pursuing a strategy aimed at diversification and digitalization to secure future growth. The company plans to expand its services beyond traditional banking and to increase investments in digital platforms.

A central part of this strategy is the introduction of new digital products and services to meet changing customer needs. Additionally, there is a focus on enhancing customer experience through technological innovations.

Furthermore, Al Rajhi aims to expand its presence in international markets to benefit from global growth opportunities. This includes both entering new markets and deepening existing international relationships.

Main imported raw materials: Paper, IT hardware, security equipment

Countries of origin: USA, Japan, Germany

Al Rajhi Banking and Investment Corporation, as one of the leading banks in Saudi Arabia, primarily imports materials necessary for its banking operations. These include paper for daily operations, IT hardware for technological infrastructure, and security equipment for the protection of branches and data.

The USA, Japan, and Germany are leaders in the production of high-quality IT hardware and security technologies. These countries are therefore important suppliers for the bank to ensure its high standards in technology and security.

It is important to note that the bank itself does not import raw materials in the traditional sense, but materials and technologies essential for its banking operations.

Market share in retail banking: 20% (2024, estimated)
Return on equity (ROE): 18.5% (2024)
Cost-Income-Ratio: 32% (2024)

Al Rajhi Banking and Investment Corporation enjoys a significant competitive advantage in the Saudi banking sector, especially due to its strong presence in retail banking. With an estimated market share of 20%, the bank is a leader in this segment, ensuring a stable source of income.

The return on equity of 18.5% in 2024 demonstrates efficient capital utilization, surpassing many competitors in the region. This indicates solid profitability and a strong market position.

Additionally, the bank has a low cost-income ratio of 32%, signaling high operational efficiency. This metric indicates that Al Rajhi Bank controls its costs well and keeps them low compared to its income, providing another advantage over competitors.

Overall, Al Rajhi benefits from strong brand recognition, an extensive branch network, and solid financial performance, solidifying its position as a leading Islamic bank in the region.

Institutional investor share: Approx. 40% (estimated for 2025 based on historical trends)

Insider purchases/sales: No significant transactions reported in the last year

The institutional investor share at Al Rajhi Banking and Investment Corporation typically ranges from 35% to 45%. This estimate is based on the most recent available data and the general interest of institutional investors in Saudi Arabian banks.

Regarding insider purchases and sales, there have been no significant transactions in the last year that would indicate a change in the executives' trust in the company. This suggests a stable assessment of the company's development by the management.

Market share of Al Rajhi Banking and Investment Corporation: 18% (2025, estimated)

Main competitors and their market share:

1. National Commercial Bank (NCB): 22%
2. Riyad Bank: 15%
3. Saudi British Bank (SABB): 12%
4. Banque Saudi Fransi: 10%
5. Arab National Bank: 8%

Al Rajhi Banking and Investment Corporation is one of the leading banks in Saudi Arabia with a significant market share of about 18%. The largest competitor is the National Commercial Bank with a market share of 22%, followed by Riyad Bank and Saudi British Bank.

The moat of Al Rajhi Bank is mainly characterized by its strong position in Islamic banking. The bank has established itself as a leading provider of Sharia-compliant financial products, giving it a competitive advantage in a market where demand for such products is high.

Compared to its competitors, Al Rajhi Bank has a significant advantage through its specialization and broad customer base. However, other banks like the National Commercial Bank also have strong moats, especially due to their size and comprehensive services. Competition remains intense, but Al Rajhi Bank has built a solid moat through its niche strategy and strong brand presence.

Return on Equity (ROE): 18.5% (2024) Net Interest Margin: 4.2% (2024) Customer Deposit Growth: 10% (2024)

Al Rajhi Banking and Investment Corporation demonstrates strong financial performance with a high return on equity of 18.5%, indicating efficient capital utilization. The net interest margin of 4.2% suggests that the bank is able to effectively manage its interest rate spread between deposits and loans.

The 10% growth in customer deposits in 2024 reflects customers' trust in the bank and provides a solid foundation for future loan growth. These metrics indicate that Al Rajhi Bank is well positioned to continue to succeed in a competitive market environment.

In the long term, the bank could benefit from the economic development in Saudi Arabia, particularly through the Vision 2030 initiative, which promotes economic diversification. This could lead to increased loan demand and further growth opportunities.

Dividend yield: 3.5% (2025, estimated)
Dividend history: Continuous payout in the last 5 years

Al Rajhi Banking and Investment Corporation has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield for 2025 is around 3.5%, which is competitive compared to other banks in the region.

The bank has a solid financial foundation and a strong market position, which increases the likelihood of continuous dividend payments. Historically, Al Rajhi Bank has also paid dividends in economically challenging times, strengthening confidence in their payout policy.