SNB profit jumps 18% to SAR 25.01B in 2025, Q4 at SAR 6.39B

27/01/2026 Argaam Exclusive

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Saudi National Bank (SNB) reported a net profit of SAR 25.01 billion in 2025, an increase of 18% year-on-year (YoY) from SAR 21.19 billion.



Financials (M)

Item 2024 2025 Change‬
Net Special Commission Income 27,723.00 29,155.00 5.2 %
Operating Income 36,033.00 39,195.00 8.8 %
Total Provisions (1019.00) (1034.00) (1.5 %)
Net Income 21,193.00 25,013.00 18.0 %
Average Shares 6,000.00 6,000.00 -
Earnings Per Share before unusual items (Riyals) 3.53 4.17 18.0 %
EPS (Riyal) 3.53 4.17 18.0 %
EPS Diluted (Riyal) 3.44 4.04 17.4 %

Total operating income rose 8.8% YoY to SAR 39.2 billion, supported by a 5.2% increase in net special commission income and a 12.7% rise in net fee income from banking services, alongside higher net exchange income and increased investment income.

 

Total operating expenses declined 9.4% to SAR 10.9 billion, mainly due to lower rent and premises-related expenses, reduced depreciation and amortization of property, equipment, software and right-of-use assets, and a 32.2% drop in other general and administrative expenses.

 

Net impairment charges for expected credit losses increased by 1.5% during the year.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Net Special Commission Income 6,918.00 7,506.00 8.5 %
Operating Income 8,986.00 9,928.00 10.5 %
Debt Provisions (20.27) (941.00) (4,542.8 %)
Net Income 5,556.73 6,385.00 14.9 %
Average Shares 6,000.00 6,000.00 -
Earnings Per Share before unusual items (Riyal) 0.93 1.06 14.9 %
EPS (Riyal) 0.93 1.06 14.9 %
EPS Diluted (Riyal) 0.92 1.05 14.1 %

Q4 2025 net earnings grew 15% to SAR 6.39 billion, compared to SAR 5.55 billion in a year earlier period.

 

On a quarterly basis, net profit fell 1.3% from SAR 6.46 billion in Q3 2025. 

Balance Sheet (B)

Item 2024 2025 Change‬
Assets 1,104.15 1,210.03 9.6 %
Customer Deposits 579.76 636.09 9.7 %
Loan 654.25 729.31 11.5 %

Total shareholders’ equity, excluding minority interest and sukuk, stood at SAR 186.63 billion by Dec. 31, 2025, compared to SAR 171.38 billion in a prior-year period.

 

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Share Price

The Saudi National Bank
44.60
1.46 3.38 %

The Saudi National Bank (SNB)

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Financial Ratios
Current
Market Cap (M Riyal) 267,600.00
Shares Outstanding ((M)) 6,000.00
EPS ( Riyal) (TTM) 4.17
EPS Diluted ( Riyal) (TTM) 4.04
Book Value (BV) ( Riyal) 30.94
Par Value ( Riyal) 10.00
Recurring P/E 10.70
P/E (TTM) 10.70
Price/book 1.44
Return on Average Assets (%) (TTM) 2.2
Return on Average Equity (%) (TTM) 14.0
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