SAIB profit rises 2% to SAR 1.55B in 9M 2026; Q3 at SAR 506.9M

22/10/2026 Argaam Exclusive

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The Saudi Investment Bank (SAIB) reported a net profit of SAR 1.55 billion for the first nine months of 2026, an increase of 2% from SAR 1.53 billion in the year-earlier period.


Financials (Million Riyal)

Item 9m 2025 9m 2026 Change‬
Net Special Commission Income 2,653.41 2,705.40 2.0 %
Operating Income 3,166.14 3,211.90 1.4 %
Total Provisions (186.20) (182.00) 2.3 %
Net Income 1,534.19 1,557.50 1.5 %
Average Shares 1,500.00 1,500.00 -
Earnings Per Share before unusual items (Riyals) 1.02 1.04 1.5 %
EPS (Riyal) 1.02 1.04 1.5 %
EPS Diluted (Riyal) 0.90 0.91 1.1 %

Net special commission income rose 2% year-on-year (YoY), driven by higher total investment and financing returns.

 

Total operating income grew 1.4% YoY, supported by higher net special commission income, banking service fee income, gains on the derecognition of debt instruments measured at fair value through other comprehensive income, and other operating income, despite lower unrealized fair value gains through profit or loss and foreign currency conversion fees.

 

Total operating expenses edged down 0.1% YoY, reflecting lower depreciation and amortization, other general and administrative expenses, and credit and other loss provisions, partly offset by higher salaries and employee expenses, rent, and premises expenses.

 

Net provisions for expected credit and other losses fell 2.3% YoY, driven by lower net provisions for loans and advances following an improvement in the portfolio’s credit quality.



Current Quarter Comparison (Million Riyal)

Compared With The
Item Q3 2025 Q3 2026 Change‬
Net Special Commission Income 857.29 901.40 5.1 %
Operating Income 1,045.97 1,049.20 0.3 %
Debt Provisions (60.50) (53.90) 10.9 %
Net Income 518.41 506.90 (2.2 %)
Average Shares 1,500.00 1,500.00 -
Earnings Per Share before unusual items (Riyal) 0.35 0.34 (2.2 %)
EPS (Riyal) 0.35 0.34 (2.2 %)
EPS Diluted (Riyal) 0.33 0.33 (2.0 %)

In Q3 2026, SAIB’s bottom line fell 2.2% to SAR 506.9 million, from SAR 518.4 million a year ago.

 

Compared to Q2 2026, profits also declined by 4.6% from SAR 531 million.



Balance Sheet (Billion Riyal)

Item 9m 2025 9m 2026 Change‬
Assets 175.05 189.93 8.5 %
Customer Deposits 105.15 120.76 14.8 %
Loan 110.58 119.04 7.7 %

Total shareholders’ equity, with no minority interest and after excluding sukuk, reached SAR 17.42 billion by September 30, 2026, compared to SAR 16.43 billion in the year-earlier period.

 

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Share Price

Saudi Investment Bank
11.16
(0.27) (2.36 %)

Saudi Investment Bank (SAIB)

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Financial Ratios
Current
Market Cap (M Riyal) 16,740.00
Shares Outstanding ((M)) 1,500.00
Recurring EPS ( Riyal) (TTM) 1.28
EPS Diluted ( Riyal) (TTM) 1.41
Book Value (BV) ( Riyal) 11.61
Par Value ( Riyal) 10.00
Recurring P/E (TTM) 8.72
P/E (TTM) 6.82
Price/book 0.96
Dividend Yield (%) (Last Year) 5.22
Return on Average Assets (%) (TTM) 1.3
Return on Average Equity (%) (TTM) 14.5
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