Alinma Bank’s 9M 2025 profit rises 9% to SAR 4.67B; Q3 at SAR 1.59B

21/10/2025 Argaam Exclusive
Alinma Bank posted a 9% increase in net profit to SAR 4.67 billion for the first nine months of 2025, versus SAR 4.30 billion in the year-ago period, spurred by 7.4% higher total operating income on increased income from financing and investment, fee income, exchange income and other operating income.


Financials (Million Riyal)

Item 9m 2024 9m 2025 Change‬
Net Income from investments and financial activities 6,382.89 6,919.40 8.4 %
Operating Income 8,125.44 8,724.93 7.4 %
Total Provisions (797.54) (747.00) 6.3 %
Net Income 4,302.76 4,673.28 8.6 %
Average Shares 3,000.00 3,000.00 -
Earnings Per Share before unusual items (Riyals) 1.43 1.56 8.6 %
EPS (Riyal) 1.43 1.56 8.6 %
EPS Diluted (Riyal) 1.35 1.43 6.2 %

The decrease year-on-year (YoY) in impairment charge on financing and other financial assets came mainly due to onboarding of better-quality new assets, the bank noted.

 

The third-quarter net profit grew by 1% to SAR 1.59 billion, from SAR 1.57 billion in Q3 2024, due to a 5.3% increase in total operating income on higher net income from financing and investment, fee income and other operating income partly offset with the lower exchange income and FVIS income.



Current Quarter Comparison (Million Riyal)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net Income from investments and financial activities 2,220.17 2,364.60 6.5 %
Operating Income 2,815.20 2,964.65 5.3 %
Debt Provisions (211.56) (246.85) (16.7 %)
Net Income 1,571.46 1,592.02 1.3 %
Average Shares 3,000.00 3,000.00 -
Earnings Per Share before unusual items (Riyal) 0.52 0.53 1.3 %
EPS (Riyal) 0.52 0.53 1.3 %
EPS Diluted (Riyal) 0.47 0.48 1.8 %

Sequentially, the three-month bottom line also rose by 1% from SAR 1.57 billion in Q2 2025.



Balance Sheet (Billion Riyal)

Item 9m 2024 9m 2025 Change‬
Assets 266.98 307.21 15.1 %
Customer Deposits 209.14 234.62 12.2 %
Financing Investments 195.90 225.68 15.2 %

Shareholders’ equity, no minority interest and after sukuk, stood at SAR 34.96 billion by the end of Sept. 30, 2025, up from SAR 32.40 billion in the year-earlier period.

 

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Share Price

Alinma Bank
25.16
0.00 0.00 %

Alinma Bank (ALINMA)

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Financial Ratios
Current
Market Cap (M Riyal) 75,480.08
Shares Outstanding ((M)) 3,000.00
Recurring EPS ( Riyal) (TTM) 2.20
EPS Diluted ( Riyal) (TTM) 2.00
Book Value (BV) ( Riyal) 12.58
Par Value ( Riyal) 10.00
Recurring P/E (TTM) 11.45
P/E (TTM) 11.45
Price/book 2.00
Dividend Yield (%) (Last Year) 2.97
Return on Average Assets (%) (TTM) 2.1
Return on Average Equity (%) (TTM) 18.3
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Financial results (Million Riyal)

Period Net Income from investments and financial activities Change Operating Income Change Debt Provisions Change
Q1 2008 - - - - - -
Q2 2008 - - - - - -
Q3 2008 - - - - - -
Q4 2008 - - - - - -
Q1 2009 177.96 - 178.21 - - -
Q2 2009 152.81 - 153.56 - - -
Q3 2009 144.07 - 145.22 - - -
Q4 2009 470.66 - 476.99 - - -
Q1 2010 67.26 (62.2 %) 82.36 (53.8 %) - -
Q2 2010 161.61 5.8 % 174.26 13.5 % - -
Q3 2010 187.50 30.1 % 191.04 31.6 % - -
Q4 2010 108.77 (76.9 %) 214.57 (55.0 %) (3.00) -
Q1 2011 219.18 225.9 % 261.71 217.8 % (2.00) -
Q2 2011 277.87 71.9 % 307.25 76.3 % (5.04) -
Q3 2011 298.60 59.3 % 332.25 73.9 % (5.64) -
Q4 2011 315.91 190.4 % 487.05 127.0 % (112.06) (3,635.4 %)
Q1 2012 330.36 50.7 % 393.08 50.2 % (16.88) (743.8 %)
Q2 2012 346.36 24.7 % 484.15 57.6 % (67.41) (1,238.9 %)
Q3 2012 407.10 36.3 % 459.10 38.2 % (44.07) (681.9 %)
Q4 2012 433.31 37.2 % 489.72 0.5 % (26.01) 76.8 %
Q1 2013 443.27 34.2 % 521.71 32.7 % (51.03) (202.4 %)
Q2 2013 456.91 31.9 % 559.13 15.5 % (60.49) 10.3 %
Q3 2013 460.46 13.1 % 542.46 18.2 % (28.31) 35.8 %
Q4 2013 474.20 9.4 % 655.78 33.9 % (134.40) (416.6 %)
Q1 2014 512.62 15.6 % 599.84 15.0 % (24.98) 51.1 %
Q2 2014 501.80 9.8 % 611.44 9.4 % (15.65) 74.1 %
Q3 2014 529.49 15.0 % 687.33 26.7 % (50.65) (78.9 %)
Q4 2014 531.05 12.0 % 721.31 10.0 % (70.40) 47.6 %
Q1 2015 550.00 7.3 % 729.60 21.6 % (70.12) (180.8 %)
Q2 2015 610.46 21.7 % 845.51 38.3 % (78.13) (399.3 %)
Q3 2015 547.52 3.4 % 707.94 3.0 % (10.33) 79.6 %
Q4 2015 570.72 7.5 % 779.70 8.1 % (37.59) 46.6 %
Q1 2016 611.17 11.1 % 734.32 0.6 % (13.03) 81.4 %
Q2 2016 626.79 2.7 % 819.89 (3.0 %) (24.70) 68.4 %
Q3 2016 687.54 25.6 % 828.72 17.1 % (41.43) (301.2 %)
Q4 2016 726.60 27.3 % 944.88 21.2 % (115.99) (208.5 %)
Q1 2017 814.43 33.3 % 1,004.85 36.8 % (124.24) (853.2 %)
Q2 2017 834.22 33.1 % 1,006.70 22.8 % (119.54) (384.0 %)
Q3 2017 877.17 27.6 % 1,062.75 28.2 % (104.65) (152.6 %)
Q4 2017 967.21 33.1 % 1,298.66 37.4 % (210.06) (81.1 %)
Q1 2018 896.28 10.1 % 1,109.76 10.4 % (89.47) 28.0 %
Q2 2018 942.39 13.0 % 1,231.00 22.3 % (162.76) (36.2 %)
Q3 2018 987.21 12.5 % 1,211.70 14.0 % (98.24) 6.1 %
Q4 2018 971.95 0.5 % 1,292.46 (0.5 %) (41.92) 80.0 %
Q1 2019 976.43 8.9 % 1,289.64 16.2 % (65.40) 26.9 %
Q2 2019 1,066.01 13.1 % 1,364.21 10.8 % (141.66) 13.0 %
Q3 2019 1,138.86 15.4 % 1,440.97 18.9 % (108.31) (10.2 %)
Q4 2019 1,141.93 17.5 % 1,515.34 17.2 % (385.11) (818.6 %)
Q1 2020 1,121.16 14.8 % 1,259.28 (2.4 %) (358.69) (448.5 %)
Q2 2020 1,127.30 5.8 % 1,332.41 (2.3 %) (192.79) (36.1 %)
Q3 2020 1,185.15 4.1 % 1,479.84 2.7 % (231.00) (113.3 %)
Q4 2020 1,214.21 6.3 % 1,610.11 6.3 % (636.70) (65.3 %)
Q1 2021 1,206.64 7.6 % 1,604.24 27.4 % (346.77) 3.3 %
Q2 2021 1,231.43 9.2 % 1,653.14 24.1 % (336.80) (74.7 %)
Q3 2021 1,392.89 17.5 % 1,722.06 16.4 % (279.06) (20.8 %)
Q4 2021 1,309.43 7.8 % 1,680.16 4.4 % (288.98) 54.6 %
Q1 2022 1,311.57 8.7 % 1,807.61 12.7 % (241.02) 30.5 %
Q2 2022 1,413.49 14.8 % 1,932.14 16.9 % (248.35) 26.3 %
Q3 2022 1,673.65 20.2 % 2,075.43 20.5 % (272.53) 2.3 %
Q4 2022 1,667.81 27.4 % 2,147.89 27.8 % (435.79) (50.8 %)
Q1 2023 1,734.76 32.3 % 2,179.41 20.6 % (337.03) (39.8 %)
Q2 2023 1,859.68 31.6 % 2,436.87 26.1 % (325.54) (31.1 %)
Q3 2023 2,005.90 19.9 % 2,540.64 22.4 % (300.99) (10.4 %)
Q4 2023 2,054.17 23.2 % 2,568.74 19.6 % (308.54) 29.2 %
Q1 2024 2,011.96 16.0 % 2,564.50 17.7 % (266.18) 21.0 %
Q2 2024 2,150.76 15.7 % 2,745.73 12.7 % (319.81) 1.8 %
Q3 2024 2,220.17 10.7 % 2,815.20 10.8 % (211.56) 29.7 %
Q4 2024 2,265.74 10.3 % 2,814.64 9.6 % (252.27) 18.2 %
Q1 2025 2,282.96 13.5 % 2,813.65 9.7 % (225.95) 15.1 %
Q2 2025 2,271.84 5.6 % 2,946.63 7.3 % (274.20) 14.3 %
Q3 2025 2,364.60 6.5 % 2,964.65 5.3 % (246.85) (16.7 %)


Profit Performance (Million Riyal)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS(Riyal)
Q1 2008 - - - - - -
Q2 2008 - - - - - -
Q3 2008 - - - - - -
Q4 2008 - - - - - -
Q1 2009 109.38 - 0.04 - 109.38 0.04
Q2 2009 67.92 - 0.02 - 67.92 0.02
Q3 2009 38.65 - 0.01 - 38.65 0.01
Q4 2009 395.57 - 0.13 - 395.57 0.13
Q1 2010 (75.09) (168.7 %) (0.03) - (75.09) (0.03)
Q2 2010 3.30 (95.1 %) 0.00 - 3.30 0.00
Q3 2010 20.21 (47.7 %) 0.01 - 20.21 0.01
Q4 2010 66.80 (83.1 %) 0.02 - 66.80 0.02
Q1 2011 70.23 193.5 % 0.02 - 70.23 0.02
Q2 2011 102.50 3007.9 % 0.03 - 102.50 0.03
Q3 2011 122.30 505.1 % 0.04 - 122.30 0.04
Q4 2011 136.30 104.1 % 0.05 - 136.30 0.05
Q1 2012 150.48 114.3 % 0.05 - 150.48 0.05
Q2 2012 179.42 75.0 % 0.06 - 179.42 0.06
Q3 2012 195.65 60.0 % 0.07 - 195.65 0.07
Q4 2012 207.61 52.3 % 0.07 - 207.61 0.07
Q1 2013 221.41 47.1 % 0.07 - 221.41 0.07
Q2 2013 241.46 34.6 % 0.08 - 241.46 0.08
Q3 2013 262.03 33.9 % 0.09 - 262.03 0.09
Q4 2013 279.86 34.8 % 0.09 - 279.86 0.09
Q1 2014 292.84 32.3 % 0.10 - 292.84 0.10
Q2 2014 307.66 27.4 % 0.10 - 307.66 0.10
Q3 2014 331.34 26.4 % 0.11 - 331.34 0.11
Q4 2014 332.60 18.8 % 0.11 - 332.60 0.11
Q1 2015 344.11 17.5 % 0.11 - 344.11 0.11
Q2 2015 364.76 18.6 % 0.12 - 364.76 0.12
Q3 2015 375.19 13.2 % 0.13 - 375.19 0.13
Q4 2015 385.92 16.0 % 0.13 - 385.92 0.13
Q1 2016 391.32 13.7 % 0.13 - 391.32 0.13
Q2 2016 409.12 12.2 % 0.14 - 409.12 0.14
Q3 2016 311.61 (16.9 %) 0.10 - 311.61 0.10
Q4 2016 390.22 1.1 % 0.13 - 390.22 0.13
Q1 2017 421.32 7.7 % 0.14 - 421.32 0.14
Q2 2017 488.22 19.3 % 0.16 - 488.22 0.16
Q3 2017 541.76 73.9 % 0.18 - 541.76 0.18
Q4 2017 560.05 43.5 % 0.19 - 560.05 0.19
Q1 2018 567.27 34.6 % 0.19 - 567.27 0.19
Q2 2018 605.79 24.1 % 0.20 - 605.79 0.20
Q3 2018 636.93 17.6 % 0.21 - 636.93 0.21
Q4 2018 1,046.96 86.9 % 0.35 556.58 490.38 0.16
Q1 2019 637.84 12.4 % 0.21 - 637.84 0.21
Q2 2019 675.67 11.5 % 0.23 - 675.67 0.23
Q3 2019 712.78 11.9 % 0.24 - 712.78 0.24
Q4 2019 508.53 (51.4 %) 0.17 - 508.53 0.17
Q1 2020 370.27 (41.9 %) 0.12 - 370.27 0.12
Q2 2020 572.49 (15.3 %) 0.19 - 572.49 0.19
Q3 2020 629.25 (11.7 %) 0.21 - 629.25 0.21
Q4 2020 393.99 (22.5 %) 0.13 - 393.99 0.13
Q1 2021 641.84 73.3 % 0.21 - 641.84 0.21
Q2 2021 710.33 24.1 % 0.24 - 710.33 0.24
Q3 2021 738.09 17.3 % 0.25 - 738.09 0.25
Q4 2021 619.13 57.1 % 0.21 - 619.13 0.21
Q1 2022 824.75 28.5 % 0.27 - 824.75 0.27
Q2 2022 925.09 30.2 % 0.31 - 925.09 0.31
Q3 2022 989.03 34.0 % 0.33 - 989.03 0.33
Q4 2022 860.28 38.9 % 0.29 - 860.28 0.29
Q1 2023 969.89 17.6 % 0.32 - 969.89 0.32
Q2 2023 1,225.08 32.4 % 0.41 - 1,225.08 0.41
Q3 2023 1,323.90 33.9 % 0.44 - 1,323.90 0.44
Q4 2023 1,320.34 53.5 % 0.44 - 1,320.34 0.44
Q1 2024 1,314.73 35.6 % 0.44 - 1,314.73 0.44
Q2 2024 1,416.57 15.6 % 0.47 - 1,416.57 0.47
Q3 2024 1,571.46 18.7 % 0.52 - 1,571.46 0.52
Q4 2024 1,528.90 15.8 % 0.51 - 1,528.90 0.51
Q1 2025 1,508.01 14.7 % 0.50 - 1,508.01 0.50
Q2 2025 1,573.26 11.1 % 0.52 - 1,573.26 0.52
Q3 2025 1,592.02 1.3 % 0.53 - 1,592.02 0.53


Balance Sheet (Billion Riyal)

Period Assets Change Customer Deposits Change Financing Investments Change
Q1 2008 - - - - - -
Q2 2008 - - - - - -
Q3 2008 - - - - - -
Q4 2008 - - - - - -
Q1 2009 16.19 - 0.58 - 0.30 -
Q2 2009 16.61 - 0.54 - 0.42 -
Q3 2009 16.53 - 0.78 - 0.73 -
Q4 2009 17.31 - 1.50 - 1.11 -
Q1 2010 18.83 16.3 % 2.98 411.2 % 3.60 1095.0 %
Q2 2010 24.95 50.2 % 6.41 1091.6 % 8.43 1927.1 %
Q3 2010 23.77 43.8 % 6.79 767.2 % 13.75 1783.1 %
Q4 2010 26.67 54.1 % 8.32 455.3 % 15.59 1302.5 %
Q1 2011 29.61 57.2 % 11.31 280.3 % 20.38 466.6 %
Q2 2011 32.35 29.7 % 13.23 106.4 % 22.50 167.1 %
Q3 2011 33.85 42.4 % 15.85 133.6 % 24.06 74.9 %
Q4 2011 36.78 37.9 % 17.78 113.8 % 25.26 62.0 %
Q1 2012 39.87 34.7 % 21.33 88.5 % 27.61 35.5 %
Q2 2012 44.19 36.6 % 25.96 96.2 % 30.03 33.5 %
Q3 2012 49.85 47.3 % 28.57 80.2 % 35.00 45.4 %
Q4 2012 54.01 46.8 % 32.21 81.2 % 37.19 47.2 %
Q1 2013 56.24 41.0 % 34.36 61.1 % 39.42 42.8 %
Q2 2013 57.94 31.1 % 36.47 40.4 % 41.57 38.4 %
Q3 2013 59.14 18.6 % 37.62 31.7 % 41.91 19.8 %
Q4 2013 63.00 16.6 % 42.76 32.7 % 44.92 20.8 %
Q1 2014 65.44 16.4 % 45.14 31.4 % 45.81 16.2 %
Q2 2014 70.60 21.8 % 48.98 34.3 % 49.01 17.9 %
Q3 2014 75.46 27.6 % 53.39 41.9 % 50.22 19.8 %
Q4 2014 80.86 28.3 % 59.43 39.0 % 53.64 19.4 %
Q1 2015 83.69 27.9 % 61.56 36.4 % 55.01 20.1 %
Q2 2015 81.84 15.9 % 60.59 23.7 % 53.39 8.9 %
Q3 2015 82.39 9.2 % 60.38 13.1 % 53.47 6.5 %
Q4 2015 88.72 9.7 % 65.69 10.5 % 57.01 6.3 %
Q1 2016 91.61 9.5 % 68.79 11.7 % 60.25 9.5 %
Q2 2016 98.19 20.0 % 74.17 22.4 % 66.49 24.5 %
Q3 2016 102.94 24.9 % 77.32 28.1 % 69.27 29.6 %
Q4 2016 104.73 18.0 % 80.61 22.7 % 70.31 23.3 %
Q1 2017 105.08 14.7 % 81.45 18.4 % 73.54 22.1 %
Q2 2017 111.18 13.2 % 85.78 15.7 % 76.96 15.8 %
Q3 2017 111.12 8.0 % 87.23 12.8 % 77.81 12.3 %
Q4 2017 114.75 9.6 % 89.06 10.5 % 79.06 12.4 %
Q1 2018 113.94 8.4 % 89.34 9.7 % 79.01 7.4 %
Q2 2018 116.78 5.0 % 88.94 3.7 % 82.13 6.7 %
Q3 2018 120.21 8.2 % 89.87 3.0 % 83.17 6.9 %
Q4 2018 121.54 5.9 % 90.13 1.2 % 83.89 6.1 %
Q1 2019 121.79 6.9 % 92.26 3.3 % 85.88 8.7 %
Q2 2019 123.48 5.7 % 92.82 4.4 % 87.67 6.7 %
Q3 2019 128.01 6.5 % 99.84 11.1 % 90.78 9.2 %
Q4 2019 131.84 8.5 % 102.06 13.2 % 94.80 13.0 %
Q1 2020 138.02 13.3 % 103.87 12.6 % 97.78 13.9 %
Q2 2020 142.20 15.2 % 107.42 15.7 % 103.18 17.7 %
Q3 2020 147.85 15.5 % 111.32 11.5 % 105.33 16.0 %
Q4 2020 156.88 19.0 % 119.45 17.0 % 111.20 17.3 %
Q1 2021 159.95 15.9 % 120.71 16.2 % 117.15 19.8 %
Q2 2021 164.06 15.4 % 125.88 17.2 % 119.62 15.9 %
Q3 2021 166.81 12.8 % 116.65 4.8 % 121.32 15.2 %
Q4 2021 173.48 10.6 % 121.06 1.3 % 126.27 13.6 %
Q1 2022 179.52 12.2 % 128.04 6.1 % 128.97 10.1 %
Q2 2022 184.62 12.5 % 130.38 3.6 % 131.19 9.7 %
Q3 2022 193.23 15.8 % 132.05 13.2 % 139.99 15.4 %
Q4 2022 200.44 15.5 % 145.17 19.9 % 146.49 16.0 %
Q1 2023 213.75 19.1 % 159.95 24.9 % 153.15 18.8 %
Q2 2023 226.90 22.9 % 177.87 36.4 % 161.77 23.3 %
Q3 2023 232.59 20.4 % 180.23 36.5 % 169.06 20.8 %
Q4 2023 236.72 18.1 % 187.90 29.4 % 173.62 18.5 %
Q1 2024 244.86 14.6 % 188.99 18.2 % 180.70 18.0 %
Q2 2024 260.14 14.6 % 205.36 15.5 % 189.91 17.4 %
Q3 2024 266.98 14.8 % 209.14 16.0 % 195.90 15.9 %
Q4 2024 276.83 16.9 % 210.54 12.1 % 202.31 16.5 %
Q1 2025 287.22 17.3 % 218.84 15.8 % 209.43 15.9 %
Q2 2025 297.22 14.3 % 229.94 12.0 % 218.60 15.1 %
Q3 2025 307.21 15.1 % 234.62 12.2 % 225.68 15.2 %

Profitability

Period Return On Average Assets Return on Average Equity Net Income/Operating profit
Q1 2008 - - -
Q2 2008 - - -
Q3 2008 - - -
Q4 2008 - - -
Q1 2009 - - -
Q2 2009 - - -
Q3 2009 - - -
Q4 2009 3.72 % 3.95 % 64.10 %
Q1 2010 2.44 % 2.75 % 49.76 %
Q2 2010 1.74 % 2.33 % 41.24 %
Q3 2010 1.71 % 2.21 % 37.20 %
Q4 2010 0.07 % 0.10 % 2.30 %
Q1 2011 0.66 % 1.03 % 19.08 %
Q2 2011 0.91 % 1.67 % 26.65 %
Q3 2011 1.26 % 2.31 % 32.43 %
Q4 2011 1.36 % 2.74 % 31.07 %
Q1 2012 1.47 % 3.24 % 33.67 %
Q2 2012 1.54 % 3.69 % 34.69 %
Q3 2012 1.58 % 4.11 % 36.30 %
Q4 2012 1.61 % 4.50 % 40.15 %
Q1 2013 1.67 % 4.88 % 41.14 %
Q2 2013 1.70 % 5.19 % 42.67 %
Q3 2013 1.71 % 5.51 % 44.13 %
Q4 2013 1.72 % 6.00 % 44.09 %
Q1 2014 1.77 % 6.32 % 45.66 %
Q2 2014 1.78 % 6.61 % 47.41 %
Q3 2014 1.80 % 6.88 % 47.44 %
Q4 2014 1.76 % 7.27 % 48.26 %
Q1 2015 1.76 % 7.60 % 47.85 %
Q2 2015 1.80 % 7.76 % 46.01 %
Q3 2015 1.79 % 7.86 % 47.15 %
Q4 2015 1.73 % 8.10 % 48.00 %
Q1 2016 1.73 % 8.57 % 49.46 %
Q2 2016 1.73 % 8.60 % 51.34 %
Q3 2016 1.62 % 8.11 % 47.36 %
Q4 2016 1.55 % 8.01 % 45.14 %
Q1 2017 1.56 % 8.17 % 42.58 %
Q2 2017 1.54 % 8.55 % 42.57 %
Q3 2017 1.72 % 9.55 % 45.82 %
Q4 2017 1.83 % 10.18 % 46.00 %
Q1 2018 1.97 % 10.85 % 48.18 %
Q2 2018 2.00 % 11.70 % 48.38 %
Q3 2018 2.05 % 11.83 % 48.86 %
Q4 2018 2.42 % 13.72 % 58.97 %
Q1 2019 2.48 % 14.41 % 58.26 %
Q2 2019 2.50 % 14.71 % 58.11 %
Q3 2019 2.48 % 14.58 % 57.05 %
Q4 2019 2.00 % 11.59 % 45.18 %
Q1 2020 1.75 % 10.49 % 40.63 %
Q2 2020 1.63 % 9.71 % 39.01 %
Q3 2020 1.51 % 9.05 % 37.24 %
Q4 2020 1.36 % 8.39 % 34.60 %
Q1 2021 1.50 % 9.35 % 37.13 %
Q2 2021 1.55 % 9.78 % 37.42 %
Q3 2021 1.58 % 10.10 % 37.70 %
Q4 2021 1.64 % 10.81 % 40.68 %
Q1 2022 1.70 % 11.21 % 42.14 %
Q2 2022 1.78 % 12.03 % 43.50 %
Q3 2022 1.87 % 13.05 % 44.80 %
Q4 2022 1.93 % 13.69 % 45.20 %
Q1 2023 1.90 % 13.69 % 44.92 %
Q2 2023 1.97 % 14.86 % 45.75 %
Q3 2023 2.06 % 15.99 % 47.06 %
Q4 2023 2.21 % 17.22 % 49.76 %
Q1 2024 2.26 % 17.64 % 51.27 %
Q2 2024 2.21 % 18.14 % 51.59 %
Q3 2024 2.25 % 18.48 % 52.58 %
Q4 2024 2.27 % 18.80 % 53.31 %
2024 2.27 % 18.80 % 53.31 %
Q1 2025 2.26 % 18.60 % 53.85 %
Q2 2025 2.22 % 18.89 % 54.27 %
Q3 2025 2.16 % 18.41 % 53.75 %

Ratios

Period Customer Deposits Per Total Assets Financing Investments/Total Assets Financing Investments/Customer Deposits
Q1 2008 - - -
Q2 2008 - - -
Q3 2008 - - -
Q4 2008 - - -
Q1 2009 3.60 % 1.86 % 51.70 %
Q2 2009 3.24 % 2.50 % 77.28 %
Q3 2009 4.73 % 4.42 % 93.34 %
Q4 2009 8.65 % 6.42 % 74.25 %
Q1 2010 15.80 % 19.10 % 120.88 %
Q2 2010 25.69 % 33.77 % 131.46 %
Q3 2010 28.55 % 57.86 % 202.67 %
Q4 2010 31.18 % 58.47 % 187.51 %
Q1 2011 38.21 % 68.82 % 180.11 %
Q2 2011 40.91 % 69.57 % 170.06 %
Q3 2011 46.83 % 71.09 % 151.82 %
Q4 2011 48.33 % 68.67 % 142.09 %
Q1 2012 53.49 % 69.24 % 129.43 %
Q2 2012 58.75 % 67.96 % 115.68 %
Q3 2012 57.31 % 70.21 % 122.51 %
Q4 2012 59.64 % 68.85 % 115.44 %
Q1 2013 61.10 % 70.09 % 114.72 %
Q2 2013 62.94 % 71.74 % 113.99 %
Q3 2013 63.61 % 70.87 % 111.41 %
Q4 2013 67.88 % 71.31 % 105.05 %
Q1 2014 68.97 % 70.00 % 101.49 %
Q2 2014 69.37 % 69.42 % 100.07 %
Q3 2014 70.75 % 66.55 % 94.07 %
Q4 2014 73.49 % 66.33 % 90.26 %
Q1 2015 73.56 % 65.74 % 89.37 %
Q2 2015 74.03 % 65.23 % 88.11 %
Q3 2015 73.28 % 64.90 % 88.56 %
Q4 2015 74.04 % 64.25 % 86.77 %
Q1 2016 75.08 % 65.77 % 87.59 %
Q2 2016 75.54 % 67.72 % 89.65 %
Q3 2016 75.11 % 67.30 % 89.60 %
Q4 2016 76.97 % 67.14 % 87.22 %
Q1 2017 77.51 % 69.99 % 90.30 %
Q2 2017 77.16 % 69.22 % 89.72 %
Q3 2017 78.50 % 70.02 % 89.20 %
Q4 2017 77.62 % 68.90 % 88.77 %
Q1 2018 78.41 % 69.34 % 88.44 %
Q2 2018 76.16 % 70.33 % 92.34 %
Q3 2018 74.76 % 69.19 % 92.55 %
Q4 2018 74.16 % 69.02 % 93.08 %
Q1 2019 75.75 % 70.51 % 93.08 %
Q2 2019 75.17 % 71.00 % 94.45 %
Q3 2019 77.99 % 70.92 % 90.93 %
Q4 2019 77.41 % 71.91 % 92.89 %
Q1 2020 75.26 % 70.85 % 94.14 %
Q2 2020 75.54 % 72.56 % 96.05 %
Q3 2020 75.29 % 71.24 % 94.62 %
Q4 2020 76.15 % 70.88 % 93.09 %
Q1 2021 75.46 % 73.24 % 97.05 %
Q2 2021 76.73 % 72.92 % 95.03 %
Q3 2021 69.93 % 72.73 % 104.00 %
Q4 2021 69.79 % 72.79 % 104.30 %
Q1 2022 71.32 % 71.84 % 100.73 %
Q2 2022 70.62 % 71.06 % 100.63 %
Q3 2022 68.34 % 72.45 % 106.01 %
Q4 2022 72.43 % 73.09 % 100.91 %
Q1 2023 74.83 % 71.65 % 95.75 %
Q2 2023 78.39 % 71.30 % 90.95 %
Q3 2023 77.49 % 72.69 % 93.80 %
Q4 2023 79.38 % 73.35 % 92.40 %
Q1 2024 77.18 % 73.80 % 95.62 %
Q2 2024 78.94 % 73.00 % 92.48 %
Q3 2024 78.33 % 73.37 % 93.67 %
Q4 2024 76.06 % 73.08 % 96.09 %
Q1 2025 76.19 % 72.92 % 95.70 %
Q2 2025 77.37 % 73.55 % 95.06 %
Q3 2025 76.37 % 73.46 % 96.19 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Earnings Per Share before unusual items (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2008 - - - - -
Q2 2008 - - - - -
Q3 2008 - - - - -
Q4 2008 - - - - -
Q1 2009 3,000.00 - - - 5.17
Q2 2009 3,000.00 - - - 5.19
Q3 2009 3,000.00 - - - 5.20
Q4 2009 3,000.00 0.20 0.20 - 5.20
Q1 2010 3,000.00 0.14 0.14 - 5.18
Q2 2010 3,000.00 0.12 0.12 - 5.18
Q3 2010 3,000.00 0.11 0.11 - 5.18
Q4 2010 3,000.00 0.01 0.01 - 5.21
Q1 2011 3,000.00 0.05 0.05 - 5.18
Q2 2011 3,000.00 0.09 0.09 - 5.22
Q3 2011 3,000.00 0.12 0.12 - 5.25
Q4 2011 3,000.00 0.14 0.14 - 5.30
Q1 2012 3,000.00 0.17 0.17 - 5.36
Q2 2012 3,000.00 0.20 0.20 - 5.41
Q3 2012 3,000.00 0.22 0.22 - 5.48
Q4 2012 3,000.00 0.24 0.24 - 5.55
Q1 2013 3,000.00 0.27 0.27 - 5.63
Q2 2013 3,000.00 0.29 0.29 - 5.71
Q3 2013 3,000.00 0.31 0.31 - 5.81
Q4 2013 3,000.00 0.33 0.33 - 5.61
Q1 2014 3,000.00 0.36 0.36 - 5.71
Q2 2014 3,000.00 0.38 0.38 - 5.82
Q3 2014 3,000.00 0.40 0.40 - 5.94
Q4 2014 3,000.00 0.42 0.42 - 5.98
Q1 2015 3,000.00 0.44 0.44 - 5.82
Q2 2015 3,000.00 0.46 0.46 - 5.97
Q3 2015 3,000.00 0.47 0.47 - 6.08
Q4 2015 3,000.00 0.49 0.49 - 6.12
Q1 2016 3,000.00 0.51 0.51 - 5.98
Q2 2016 3,000.00 0.52 0.52 - 6.13
Q3 2016 3,000.00 0.50 0.50 - 6.24
Q4 2016 3,000.00 0.50 0.50 - 6.39
Q1 2017 3,000.00 0.51 0.51 - 6.53
Q2 2017 3,000.00 0.54 0.54 - 6.43
Q3 2017 3,000.00 0.61 0.61 - 6.62
Q4 2017 3,000.00 0.67 0.67 - 6.78
Q1 2018 3,000.00 0.72 0.72 - 6.73
Q2 2018 3,000.00 0.76 0.76 - 6.53
Q3 2018 3,000.00 0.79 0.79 - 6.74
Q4 2018 3,000.00 0.95 0.77 - 7.10
Q1 2019 3,000.00 0.98 0.79 - 6.82
Q2 2019 3,000.00 1.00 0.81 - 7.06
Q3 2019 3,000.00 1.02 0.84 - 7.31
Q4 2019 3,000.00 0.84 0.84 - 7.48
Q1 2020 3,000.00 0.76 0.76 - 7.59
Q2 2020 3,000.00 0.72 0.72 - 7.80
Q3 2020 3,000.00 0.69 0.69 - 8.01
Q4 2020 3,000.00 0.66 0.66 - 8.14
Q1 2021 3,000.00 0.75 0.75 - 8.36
Q2 2021 3,000.00 0.79 0.79 - 8.40
Q3 2021 3,000.00 0.83 0.83 - 8.39
Q4 2021 3,000.00 0.90 0.90 - 8.57
Q1 2022 3,000.00 0.96 0.96 - 8.84
Q2 2022 3,000.00 1.04 1.04 - 8.82
Q3 2022 3,000.00 1.12 1.12 - 8.77
Q4 2022 3,000.00 1.20 1.20 1.15 8.96
Q1 2023 3,000.00 1.25 1.25 1.19 9.39
Q2 2023 3,000.00 1.35 1.35 1.29 9.33
Q3 2023 3,000.00 1.46 1.46 1.39 9.49
Q4 2023 3,000.00 1.61 1.61 1.55 9.78
Q1 2024 3,000.00 1.73 1.73 1.67 10.20
Q2 2024 3,000.00 1.79 1.79 1.74 10.43
Q3 2024 3,000.00 1.87 1.87 1.78 10.80
Q4 2024 3,000.00 1.94 1.94 1.85 10.90
Q1 2025 3,000.00 2.01 2.01 1.87 11.40
Q2 2025 3,000.00 2.06 2.06 1.92 11.38
Q3 2025 3,000.00 2.07 2.07 1.93 11.66

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Recurring P/E Price/book
Q1 2008 - - -
Q2 2008 - - -
Q3 2008 - - -
Q4 2008 - - -
Q1 2009 - - 1.02
Q2 2009 - - 1.27
Q3 2009 - - 1.29
Q4 2009 31.15 31.15 1.22
Q1 2010 45.31 45.31 1.25
Q2 2010 44.90 44.90 1.05
Q3 2010 47.97 47.97 1.06
Q4 2010 More than 100 More than 100 1.01
Q1 2011 More than 100 More than 100 0.95
Q2 2011 More than 100 More than 100 0.95
Q3 2011 38.35 38.35 0.88
Q4 2011 32.51 32.51 0.88
Q1 2012 45.74 45.74 1.46
Q2 2012 31.22 31.22 1.13
Q3 2012 29.35 29.35 1.18
Q4 2012 26.29 26.29 1.16
Q1 2013 24.62 24.62 1.17
Q2 2013 23.64 23.64 1.20
Q3 2013 22.60 22.60 1.21
Q4 2013 22.24 22.24 1.33
Q1 2014 25.99 25.99 1.63
Q2 2014 23.91 23.91 1.56
Q3 2014 30.40 30.40 2.07
Q4 2014 24.19 24.19 1.70
Q1 2015 25.14 25.14 1.89
Q2 2015 24.67 24.67 1.89
Q3 2015 17.83 17.83 1.39
Q4 2015 15.07 15.07 1.21
Q1 2016 12.67 12.67 1.07
Q2 2016 12.54 12.54 1.07
Q3 2016 11.40 11.40 0.91
Q4 2016 15.05 15.05 1.18
Q1 2017 14.70 14.70 1.15
Q2 2017 14.18 14.18 1.18
Q3 2017 14.23 14.23 1.32
Q4 2017 14.27 14.27 1.41
Q1 2018 14.32 14.32 1.53
Q2 2018 14.12 14.12 1.64
Q3 2018 13.62 13.62 1.60
Q4 2018 12.06 14.98 1.62
Q1 2019 12.43 15.35 1.78
Q2 2019 12.31 15.12 1.74
Q3 2019 10.97 13.40 1.54
Q4 2019 15.00 15.00 1.69
Q1 2020 13.76 13.76 1.37
Q2 2020 13.44 13.44 1.24
Q3 2020 15.71 15.71 1.36
Q4 2020 16.46 16.46 1.32
Q1 2021 16.45 16.45 1.47
Q2 2021 17.71 17.71 1.67
Q3 2021 19.32 19.32 1.91
Q4 2021 17.69 17.69 1.86
Q1 2022 26.86 26.86 2.93
Q2 2022 21.50 21.50 2.52
Q3 2022 21.59 21.59 2.76
Q4 2022 18.81 18.81 2.42
Q1 2023 16.54 16.54 2.09
Q2 2023 17.36 17.36 2.39
Q3 2023 15.98 15.98 2.35
Q4 2023 16.58 16.58 2.64
Q1 2024 16.94 16.94 2.78
Q2 2024 14.91 14.91 2.49
Q3 2024 13.36 13.36 2.20
Q4 2024 13.06 13.06 2.21
Q1 2025 13.69 13.69 2.24
Q2 2025 11.63 11.63 1.96
Q3 2025 11.57 11.57 1.92

Business Segments (Million Riyal)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage Other
Q1 2009 - 1.62 78.68 - 97.92
Q2 2009 0.28 2.06 52.48 - 98.74
Q3 2009 1.34 12.20 10.83 - 120.85
Q4 2009 2.36 75.24 265.12 - 134.28
Q1 2010 5.35 30.44 12.81 0.17 33.59
Q2 2010 13.64 108.23 28.30 0.33 23.77
Q3 2010 12.97 93.34 60.71 0.60 23.42
Q4 2010 21.67 100.90 67.58 1.17 23.24
Q1 2011 48.00 105.04 50.02 3.38 55.28
Q2 2011 66.60 140.07 42.92 3.42 54.23
Q3 2011 75.31 143.91 53.83 3.05 56.16
Q4 2011 110.96 416.19 120.17 5.41 (165.67)
Q1 2012 85.88 162.19 81.98 6.30 56.74
Q2 2012 99.58 254.50 65.85 8.44 55.78
Q3 2012 109.11 205.78 77.24 8.21 58.77
Q4 2012 159.16 355.93 130.58 15.34 (171.28)
Q1 2013 145.56 267.62 103.74 4.79 -
Q2 2013 159.00 269.96 112.21 17.96 -
Q3 2013 163.71 265.82 102.78 10.15 -
Q4 2013 163.15 321.84 162.65 8.14 -
Q1 2014 186.32 270.65 133.18 9.69 -
Q2 2014 211.90 266.07 107.79 25.61 -
Q3 2014 217.99 326.18 116.88 26.28 -
Q4 2014 224.12 332.08 137.48 27.63 -
Q1 2015 247.68 326.48 123.74 31.70 -
Q2 2015 264.91 380.71 163.50 36.38 -
Q3 2015 266.23 333.07 78.56 30.08 -
Q4 2015 262.89 394.75 87.07 35.00 -
Q1 2016 271.68 317.10 105.45 40.10 -
Q2 2016 279.19 357.18 139.50 44.01 -
Q3 2016 296.86 369.34 121.78 40.73 -
Q4 2016 287.93 396.96 199.08 60.90 -
Q1 2017 381.21 424.83 147.59 51.22 -
Q2 2017 388.98 400.06 170.34 47.33 -
Q3 2017 419.81 416.05 180.54 46.35 -
Q4 2017 431.88 459.06 218.35 189.37 -
Q1 2018 451.77 384.81 205.15 68.03 -
Q2 2018 462.86 444.90 222.57 100.68 -
Q3 2018 502.29 452.86 146.49 110.06 -
Q4 2018 482.34 298.75 439.46 71.90 -
Q1 2019 591.63 437.92 174.13 85.95 -
Q2 2019 613.57 412.84 258.85 78.95 -
Q3 2019 636.28 478.53 241.64 84.52 -
Q4 2019 625.88 470.10 292.43 126.94 -
Q1 2020 704.81 422.91 32.69 107.63 -
Q2 2020 575.08 407.84 218.76 121.98 -
Q3 2020 609.10 531.29 199.35 140.09 -
Q4 2020 737.85 505.40 203.40 163.46 -
Q1 2021 676.62 504.98 243.84 180.82 -
Q2 2021 604.14 592.09 284.39 170.50 -
Q3 2021 649.17 683.65 242.45 146.79 -
Q4 2021 638.26 627.40 275.12 139.39 -
Q1 2022 627.88 582.67 397.78 199.28 -
Q2 2022 746.66 607.47 411.49 166.52 -
Q3 2022 1,002.78 618.33 290.26 164.05 -
Q4 2022 946.80 927.48 85.62 187.99 -
Q1 2023 979.97 796.62 229.90 172.92 -
Q2 2023 1,028.66 808.75 334.86 264.60 -
Q3 2023 1,249.82 790.62 278.61 221.59 -
Q4 2023 1,267.07 841.41 268.71 191.55 -
Q1 2024 1,246.10 790.47 302.64 225.29 -
Q2 2024 1,278.32 818.28 341.17 307.96 -
Q3 2024 1,322.40 768.03 486.49 238.28 -
Q4 2024 1,327.84 797.23 461.70 227.87 -
Q1 2025 1,311.73 771.53 483.61 246.79 -
Q2 2025 1,348.53 782.27 499.21 316.62 -
Q3 2025 1,391.68 842.84 457.61 272.54 -

Analysts Estimates (Million Riyal)

Item Profit (Expected) Profit (Actual) Change
Average 1,605.63 1,592.02

Estimates vs Actual (Million Riyal)

Item Profit (Expected) Profit (Actual) Change‬
SNB Capital 1,595.00 1,592.02
United Securities Company 1,586.00 1,592.02
YAQEEN 1,605.00 1,592.02
Sico 1,617.00 1,592.02
Riyad Capital 1,630.00 1,592.02
FAB Securities 1,646.00 1,592.02
Value Capital 1,647.00 1,592.02
AlJazira Capital 1,519.00 1,592.02

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