ANB makes SAR 5.12B profit in 2025, SAR 1.15B in Q4

01/02/2026 Argaam Exclusive

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Arab National Bank (ANB) reported a net profit of SAR 5.12 billion in 2025, an increase of 3% compared to a net profit of SAR 4.97 billion a year earlier.



Financials (Million Riyal)

Item 2024 2025 Change‬
Net Special Commission Income 7,926.64 8,097.07 2.2 %
Operating Income 9,425.00 9,883.13 4.9 %
Total Provisions (629.61) (688.28) (9.3 %)
Net Income 4,966.02 5,116.24 3.0 %
Average Shares 2,000.00 2,000.00 -
Earnings Per Share before unusual items (Riyals) 2.54 2.51 (1.4 %)
EPS (Riyal) 2.48 2.56 3.0 %
EPS Diluted (Riyal) 2.48 2.49 0.3 %

The bank cited higher income from net special commissions, fees and commissions, dividends, trading and FX, along with net gains on FVSI financial instruments. Earnings were further buoyed by a reduction in impairment charges on other real estate owned, other general and administrative expenses and premises-related expenses.

 

Meanwhile, this profit growth was partially offset by the increase in the costs related to salaries and employee-related expenses, net allowance charges for ECL and other provisions and depreciation and amortization. Additionally, there was a reduction in net gains/(losses) on non-trading instruments and net other operating income.



Current Quarter Comparison (Million Riyal)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Net Special Commission Income 1,982.42 1,947.31 (1.8 %)
Operating Income 2,371.38 2,366.84 (0.2 %)
Debt Provisions (141.06) (156.75) (11.1 %)
Net Income 1,256.49 1,146.62 (8.7 %)
Average Shares 2,000.00 2,000.00 -
Earnings Per Share before unusual items (Riyal) 0.69 0.57 (16.6 %)
EPS (Riyal) 0.63 0.57 (8.7 %)
EPS Diluted (Riyal) 0.62 0.55 (11.9 %)
Q4 2025 net earnings dropped 8.8% to SAR 1.15 billion, compared to SAR 1.25 billion in the year-earlier period.
On a quarterly basis, net profit fell 13.8% from SAR 1.33 billion in Q3 2025. 


Balance Sheet (Billion Riyal)

Item 2024 2025 Change‬
Assets 248.84 281.38 13.1 %
Customer Deposits 182.22 209.29 14.9 %
Loan 169.49 195.30 15.2 %

Total shareholders’ equity, excluding minority interest and sukuk, stood at SAR 41.72 billion by Dec. 31, 2025, compared to SAR 38.65 billion in a prior-year period.

 

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Share Price

Arab National Bank
20.69
(0.31) (1.48 %)

Arab National Bank (ANB)

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Financial Ratios
Current
Market Cap (M Riyal) 41,380.00
Shares Outstanding ((M)) 2,000.00
Recurring EPS ( Riyal) (TTM) 2.64
EPS Diluted ( Riyal) (TTM) 2.40
Book Value (BV) ( Riyal) 21.05
Par Value ( Riyal) 10.00
Recurring P/E (TTM) 7.84
P/E (TTM) 7.84
Price/book 0.98
Dividend Yield (%) (Last Year) 6.28
Return on Average Assets (%) (TTM) 1.8
Return on Average Equity (%) (TTM) 12.8
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