Al-Rajhi Bank has established 25 banks in Malaysia. Financing and advances is RM3.7 billion as at end-2011. Total assets is RM6.1 billion. But profits are still small - RM472,000 in 2011, and reserves is a negative RM243 million. How will Al-Rajhi differentiate itself under Datuk Azrulnizam Abdul Aziz, the CEO who was appointed in early 2012? And will the US Senate findings that Al-Rajhi group had financed terrorist organisations curtail its expansion beyond Malaysia? (Al-Rajhi denies involvement in such activities)

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