Al Rajhi Bank profit up 32% at SAR 12.1B in H1 2025; Q2 at SAR 6.2B

21/07/2025 Argaam Exclusive

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Al Rajhi Bank reported a net profit of SAR 12.1 billion for the first six months of 2025, an increase of 32% from SAR 9.1 billion in the year-earlier period.

Financials (M)

Item	6m 2024	6m 2025	Change‬
Net Income from investments and financial activities	11,504.34	14,402.00	25.2 %
Operating Income	14,866.12	18,803.00	26.5 %
Total Provisions	(876.03)	(1125.00)	(28.4 %)
Net Income	9,102.94	12,057.00	32.5 %
Average Shares	4,000.00	4,000.00	-
Earnings Per Share before unusual items (Riyals)	2.28	3.01	32.5 %
EPS (Riyal)	2.28	3.01	32.5 %
EPS Diluted (Riyal)	2.16	2.86	32.2 %

Net financing and investment income increased by 25.2% on higher gross financing and investment income. This was offset by a rise in gross financing and investment return.

Total operating income grew 26.5% due to higher net financing and investment income, fees from banking services, other operating and exchange income.

Meanwhile, total operating expenses including impairment charges for financing increased by 13.3% due to an increase in depreciation expenses, salaries, employee-related benefits and general and administrative expenses. In addition, impairment charges for financing rose by 28.4% from SAR 876 million to SAR 1.125 billion.

Amount recovered from written-off financing increased by 90.5% year-on-year.

Current Quarter Comparison (M)

Compared With The

Item	Q2 2024	Q2 2025	Change‬
Net Income from investments and financial activities	5,857.47	7,305.00	24.7 %
Operating Income	7,637.00	9,603.00	25.7 %
Debt Provisions	(454.82)	(600.00)	(31.9 %)
Net Income	4,698.18	6,151.00	30.9 %
Average Shares	4,000.00	4,000.00	-
Earnings Per Share before unusual items (Riyal)	1.17	1.54	30.9 %
EPS (Riyal)	1.17	1.54	30.9 %
EPS Diluted (Riyal)	1.12	1.45	29.9 %

Item	Q1 2025	Q2 2025	Change‬
Net Income from investments and financial activities	7,097.12	7,305.00	2.9 %
Operating Income	9,200.15	9,603.00	4.4 %
Debt Provisions	(524.89)	(600.00)	(14.3 %)
Net Income	5,906.04	6,151.00	4.1 %
Average Shares	4,000.00	4,000.00	-
Earnings Per Share before unusual items (Riyal)	1.48	1.54	4.1 %
EPS (Riyal)	1.48	1.54	4.1 %
EPS Diluted (Riyal)	1.41	1.45	2.8 %

On a sequential basis, net earnings grew 4.1% from SAR 5.91 billion in Q1 2025.

Balance Sheet (B)

Item	6m 2024	6m 2025	Change‬
Assets	866.96	1,038.99	19.8 %
Customer Deposits	622.57	641.99	3.1 %
Financing Investments	621.89	741.72	19.3 %

Total shareholders’ equity, excluding minority interest and sukuk, reached SAR 104.88 billion by June 30, 2025, compared to SAR 93.88 billion in the year-earlier period.

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Company	Estimated	Actual	Change
SAB	2,145.25	2,127.00	(0.9 %)
RIBL	2,480.75	2,596.62	4.5 %
BSF	1,341.50	1,403.00	4.4 %
SIPCHEM	45.70	(169.20)	(127.0 %)
SNB	5,871.00	6,137.00	4.3 %
ALRAJHI	6,014.25	6,151.00	2.2 %
ALDREES	103.67	99.70	(4.0 %)
ADVANCED	77.25	82.00	5.8 %
JARIR	176.77	197.20	10.4 %
EXTRA	105.20	107.00	1.7 %

Company	Estimated	Actual	Change
SAB	2,145.25	2,127.00	(0.9 %)
RIBL	2,480.75	2,596.62	4.5 %
BSF	1,341.50	1,403.00	4.4 %
SIPCHEM	45.70	1.80	(2439.0 %)
SNB	5,871.00	6,137.00	4.3 %
ALRAJHI	6,014.25	6,151.00	2.2 %
ALDREES	103.67	99.70	(4.0 %)
ADVANCED	77.25	82.00	5.8 %
JARIR	176.77	197.20	10.4 %
EXTRA	105.20	107.00	1.7 %

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