BSF's 2025 profit rises 18% to SAR 5.35B; Q4 at SAR 1.26B

Banque Saudi Fransi (BSF) reported a net profit of SAR 5.35 billion for 2025, growing 18% from SAR 4.54 billion in the year before.

The positive performance was driven by a 7.3% rise in gross special commission income, mainly due to higher returns from financing and investments, while net special commission income also increased by 10.3%.

Net income also was driven by a 9.1% increase in total operating income, coupled with a 0.9% decline in total operating expenses.

The growth in total operating income was primarily driven by higher net special commission income, gains on non-trading investments, and other operating income, although it was partly countered by lower trading income and net fee and commission income.

Additionally, the decrease in total operating expenses was primarily due to lower impairment charges for expected credit losses on loans and advances, which were partially offset by other operating expenses (OOE), general and administrative expenses (G&A), and depreciation and amortization.

Furthermore, net impairment charges for financing and other financial assets decreased by 16.2%, mainly due to lower impairment charges for expected credit losses on loans and advances as well as lower impairment charges for other financial assets.

BSF’s net profit rose 12.7% to SAR 1.26 billion in Q4 2025, from SAR 1.12 billion a year earlier.

Meanwhile, net profit fell 6.9% quarter-on-quarter (QoQ) from SAR 1.35 billion in Q3 2025.

Shareholders’ equity, no minority interest and after deducting sukuk, rose to SAR 47.72 billion as of Dec. 31, 2025, from SAR 39.13 billion a year earlier.

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