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Al Rajhi Capital is one of the leading financial services companies in the Kingdom of Saudi Arabia and a subsidiary of Al Rajhi Bank, one of the largest Islamic banks in the world. The company offers a comprehensive range of investment and financial management solutions, including financial market brokerage, asset management, investment funds, and specialized financial consulting—all in compliance with the provisions of Islamic Sharia.

Al Rajhi Bank - Comprehensive Overview

🏦 Al Rajhi Bank (Ticker: 1120) – Detailed Overview

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📅 About Al Rajhi Bank Established in 1957 and transformed into a Saudi joint stock company in 1988. One of the largest Islamic banks globally. Headquartered in Riyadh. Operates under Sharia principles.
💰 Current Share Price Last Share Price: SAR 94.10
52-Week High: SAR 104.80
52-Week Low: SAR 84.20
Market Cap: ~SAR 376 billion		 Highly liquid and actively traded on Tadawul.
📈 Annual Profits Since Inception
  • 2006: 6.0 Billion SAR
  • 2010: 7.5 Billion SAR
  • 2015: 6.9 Billion SAR
  • 2020: 10.6 Billion SAR
  • 2021: 14.7 Billion SAR
  • 2022: 17.2 Billion SAR
  • 2023: 19.7 Billion SAR
  • 2024: 19.7 Billion SAR (Growth 19%)
  • Q1 2025: SAR 5.91 Billion
 Consistent growth with ~9% CAGR over 10 years.
💵 Annual Dividend Distributions 2024:
First half: 12.5% of capital (~SAR 5B)
Second half: 14.6% (~SAR 5.84B)
Total: ~SAR 10.8 Billion
Policy: Semi-annual cash distributions. 		One of the highest dividend payers in the sector.
🧱 Upcoming and Strategic Projects
  • Digital Transformation
  • Regional Expansion (Jordan, Kuwait, Malaysia)
  • Green Finance & SME Support
  • FinTech Investments
 Focus on innovation and sustainable finance.
👥 Major Owners
  • Al Rajhi Family (Founders)
  • General Organization for Social Insurance
  • Institutional and individual investors from KSA and Gulf countries.
 Strong family ownership with institutional backing.
🧠 Strengths
  • Largest Islamic bank by assets
  • Customer base >10 million
  • Regular dividends
  • High operational efficiency
  • Strong regional reputation
📘 Section 2: Historical Financial Data
Year Revenue (Billion SAR) Net Profit (Billion SAR) Total Assets (Billion SAR)
2010 11.4 7.5 196.8
2012 13.8 7.8 229.6
2015 16.2 6.9 293.5
2018 18.4 10.3 368.4
2020 20.3 10.6 470.0
2022 24.6 17.2 627.5
2023 26.9 19.7 690.0
2024 (Est.) 28.3 20.4 730.0
Compound annual profit growth ~9%
📘 Section 3: Bank Services and Products
  • Retail Banking: Islamic accounts, credit cards, mobile banking
  • Corporate Banking: Financing, payroll, cash management
  • Investment Services: Funds, portfolio management, REITs
 All services are Sharia-compliant.
📘 Section 4: Position on Tadawul Trading Name: Alrajhi Bank
Symbol: 1120
Sector: Banking
Daily Liquidity: Very high
Ratings: A1 (Moody’s), A+ (Fitch) 		Considered a defensive, stable investment.
📘 Section 5: Comparison with Other Banks
Bank 2023 Net Profit (Billion SAR) Branches Dividend Focus Specialization
Al Rajhi 19.7+ ~600 ~60% Islamic Banking
National Commercial Bank 21.0+ ~500 Moderate Comprehensive
Riyadh Bank 10.3+ ~300 Moderate Commercial & Investment
Alinma Bank 4.8+ ~170 Moderate Islamic – Accelerated Growth
Best in Islamic banking profitability and customer reach.
📘 Section 6: SWOT Analysis Strengths:
  • Strong local and Gulf reputation
  • Attractive dividends
  • Clear digital leadership
  • Sharia model
Weaknesses:
  • Local market dependence
  • Slow international expansion
  • Limited geographic diversification
Opportunities:
  • Digital markets
  • FinTech partnerships
  • Sustainable finance
Threats:
  • Competition from digital banks
  • Economic or regulatory changes
  • Interest rate fluctuations
📘 Section 7: Social Responsibility & Sustainability
  • Supporting renewable energy projects
  • Reducing paper consumption
  • Publishing ESG reports
  • Youth training programs
  • Scholarships and social support
 Aligned with Vision 2030 sustainability goals.
📘 Section 8: Digital Performance & Innovation
  • Over 7M active app users
  • Thousands of ATMs/Kiosks
  • Chatbots via WhatsApp/Twitter
  • Partnerships with STC Pay & Apple Pay
 Leading in digital transformation in the region.
📘 Section 9: Future Outlook
  • Expansion into Indonesia & Turkey
  • 70% digital operations target
  • Increased real estate financing
  • New digital wallet & trading platform
 Long-term vision aligned with economic transformation.
📘 Section 10: Investor Recommendations Suitable for:
  • Steady-growth investors
  • Sharia-compliant portfolios
  • Long-term strategies
Points to Watch:
  • Interest rate impacts
  • Regulatory changes in Islamic banking

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