Financial Results : Al Rajhi Bank profit rises 26% to SAR 24.79B in 2025; Q4 at SAR 6.37B

Al Rajhi Bank profit rises 26% to SAR 24.79B in 2025; Q4 at SAR 6.37B

27/01/2026 Argaam Exclusive

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Al Rajhi Bank's net profit rose to SAR 24.79 billion in 2025, up 26% compared to SAR 19.72 billion in 2024.



Financials (M)

Item 2024 2025 Change‬
Net Income from investments and financial activities 24,843.05 29,846.00 20.1 %
Operating Income 32,055.30 39,094.00 22.0 %
Total Provisions (2116.74) (2320.00) (9.6 %)
Net Income 19,722.21 24,792.00 25.7 %
Average Shares 4,000.00 4,000.00 -
Earnings Per Share before unusual items (Riyals) 4.93 6.20 25.7 %
EPS (Riyal) 4.93 6.20 25.7 %
EPS Diluted (Riyal) 4.67 5.85 25.2 %

The profit increase was driven by a 20.1% rise in net financing and investment income caused by an increase in gross financing and investment income, while there was an increase in gross financing and investment return.

 

Additionally, total operating income grew by 22% driven by an increase in net financing and investment income, fees from banking services, other operating income and exchange income.

 

In contrast, the total operating expenses including impairment charges for financing increased by 13.5% due to an increase in other general and administrative expenses, depreciation expenses and salaries and employees’ related benefits. In addition, there was a 9.6% increase in impairment charge for financing from SAR 2.12 billion to SAR 2.32 billion attributed to a leap in gross charge by 25.7% coupled with a rise in recoveries from written off financing by 41.4% compared to the same period of the last year.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Net Income from investments and financial activities 6,941.47 8,150.03 17.4 %
Operating Income 8,750.09 10,409.25 19.0 %
Debt Provisions (552.62) (625.39) (13.2 %)
Net Income 5,515.83 6,374.75 15.6 %
Average Shares 4,000.00 4,000.00 -
Earnings Per Share before unusual items (Riyal) 1.38 1.59 15.6 %
EPS (Riyal) 1.38 1.59 15.6 %
EPS Diluted (Riyal) 1.29 1.51 16.8 %

The fourth-quarter net profit rose 16% to SAR 6.37 billion from SAR 5.52 billion in Q4 2024.

 

Sequentially, the Q4 bottom line grew slightly by 0.2% from SAR 6.36 billion in Q3 2025.

Balance Sheet (B)

Item 2024 2025 Change‬
Assets 972.44 1,043.27 7.3 %
Customer Deposits 654.99 667.29 1.9 %
Financing Investments 693.41 752.76 8.6 %

Shareholders’ equity, after minority interest and sukuk, stood at SAR 114 billion by the end of December 2025, compared to SAR 99 billion in the year-earlier period.

 

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