Financial Results : Al Rajhi Bank’s 9M 2025 profit jumps 30% to SAR 18.41B; Q3 at SAR 6.36B

Al Rajhi Bank’s 9M 2025 profit jumps 30% to SAR 18.41B; Q3 at SAR 6.36B

20/10/2025 Argaam Exclusive

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Al Rajhi Bank posted a 30% net profit hike to SAR 18.41 billion for the first nine months of 2025, versus SAR 14.21 billion in the year-ago period.



Financials (M)

Item 9m 2024 9m 2025 Change‬
Net Income from investments and financial activities 17,901.58 21,696.00 21.2 %
Operating Income 23,305.21 28,685.00 23.1 %
Total Provisions (1564.00) (1695.00) (8.4 %)
Net Income 14,206.37 18,417.00 29.6 %
Average Shares 4,000.00 4,000.00 -
Earnings Per Share before unusual items (Riyals) 3.55 4.60 29.6 %
EPS (Riyal) 3.55 4.60 29.6 %
EPS Diluted (Riyal) 3.38 4.34 28.4 %

The gross operating income advanced by 23.1% year-on-year (YoY) in 9M 2025.This was due to a 21.2% uptick in net financing and investment income on higher gross financing and investment income.

 

Gross financing and investment returns also went up during the nine-month period, along with fees from banking services, other operating income, and exchange income.

 

In contrast, gross operating expenses appreciated by 8.8% on an annual basis in 9M 2025, including an 8.4% YoY hike in the provision for expected credit losses to SAR 1.69 billon. This was fueled by a rise in depreciation expenses; salaries and employees-related benefits; and general and administrative expenses.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net Income from investments and financial activities 6,397.24 7,294.00 14.0 %
Operating Income 8,439.10 9,882.00 17.1 %
Debt Provisions (688.00) (570.00) 17.2 %
Net Income 5,103.43 6,360.00 24.6 %
Average Shares 4,000.00 4,000.00 -
Earnings Per Share before unusual items (Riyal) 1.28 1.59 24.6 %
EPS (Riyal) 1.28 1.59 24.6 %
EPS Diluted (Riyal) 1.22 1.48 21.5 %

The third-quarter net profit also surged by 25% to SAR 6.36 billion, from SAR 5.10 billion in Q3 2024.

 

Sequentially, the three-month bottom line also grew by 3.4% from SAR 6.15 billion in Q2 2025.

Balance Sheet (B)

Item 9m 2024 9m 2025 Change‬
Assets 902.57 1,059.24 17.4 %
Customer Deposits 622.57 670.18 7.6 %
Financing Investments 649.02 755.99 16.5 %

Shareholders’ equity, after minority interest and excluding sukuk, stood at SAR 108.4 billion by the end of Sept. 30, 2025, up from SAR 94.9 billion in the year-earlier period.

 

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