Bank AlJazira profit up to SAR 1.14B in 9M 2025; Q3 at SAR 400.1M

21/10/2025 Argaam Exclusive

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Bank AlJazira reported a net profit of SAR 1.14 billion for the first nine months of 2025, an increase of 20% from SAR 950.7 million in the same period last year.



Financials (M)

Item 9m 2024 9m 2025 Change‬
Net Special Commission Income 1,899.30 2,226.70 17.2 %
Operating Income 2,812.08 3,279.50 16.6 %
Total Provisions (183.20) (253.90) (38.6 %)
Net Income 950.71 1,143.20 20.2 %
Average Shares 1,281.25 1,281.25 -
Earnings Per Share before unusual items (Riyals) 0.71 0.89 25.9 %
EPS (Riyal) 0.74 0.89 20.2 %
EPS Diluted (Riyal) 0.66 0.79 19.7 %

The increase was driven by a 17% rise in net financing and investment income, supported by a 9% increase in income from investments and financing due to portfolio growth.

 

Meanwhile, returns on deposits and financial liabilities grew 5%, mainly reflecting higher returns on customer deposits and placements with banks and other financial institutions, offset by lower returns on Shariah-compliant derivatives.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net Special Commission Income 649.82 711.10 9.4 %
Operating Income 1,020.72 1,098.40 7.6 %
Debt Provisions (87.60) (54.00) 38.4 %
Net Income 332.72 400.10 20.3 %
Average Shares 1,281.25 1,281.25 -
Earnings Per Share before unusual items (Riyal) 0.26 0.31 20.3 %
EPS (Riyal) 0.26 0.31 20.3 %
EPS Diluted (Riyal) 0.26 0.29 11.9 %

In Q3 2025, net profit rose 20.3% to SAR 400.1 million from SAR 332.7 million a year earlier. Sequentially, profit was up 4.7% from SAR 382.1 million in the previous quarter.

Balance Sheet (B)

Item 9m 2024 9m 2025 Change‬
Assets 145.41 163.43 12.4 %
Customer Deposits 103.35 115.28 11.5 %
Loan 92.71 107.81 16.3 %

Total shareholders’ equity, no minority interest and after excluding sukuk, stood at SAR 14.89 billion as of Sept. 30, 2025, compared with SAR 13.72 billion a year earlier.

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Share Price

Bank Aljazira
12.72
(0.24) (1.85 %)

Bank Aljazira (BJAZ)

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Financial Ratios
Current
Market Cap (M Riyal) 16,297.50
Shares Outstanding ((M)) 1,281.25
EPS ( Riyal) (TTM) 1.11
EPS Diluted ( Riyal) (TTM) 0.93
Book Value (BV) ( Riyal) 11.62
Par Value ( Riyal) 10.00
Recurring P/E 11.45
P/E (TTM) 11.45
Price/book 1.09
Return on Average Assets (%) (TTM) 0.9
Return on Average Equity (%) (TTM) 10.0
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