Financial Results : ANB’s 9M 2025 profit rises 7% to SAR 3.97B; Q3 at SAR 1.33B

ANB’s 9M 2025 profit rises 7% to SAR 3.97B; Q3 at SAR 1.33B

22/10/2025 Argaam Exclusive

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Arab National Bank (ANB) posted a 7% increase in net profit to SAR 3.97 billion for the first nine months of 2025, compared to SAR 3.71 billion in the year-ago period.



Financials (M)

Item 9m 2024 9m 2025 Change‬
Net Special Commission Income 5,944.22 6,150.00 3.5 %
Operating Income 7,053.61 7,516.00 6.6 %
Total Provisions (493.00) (441.00) 10.5 %
Net Income 3,709.53 3,970.00 7.0 %
Average Shares 2,000.00 2,000.00 -
Earnings Per Share before unusual items (Riyals) 1.85 1.99 7.0 %
EPS (Riyal) 1.85 1.99 7.0 %
EPS Diluted (Riyal) 1.86 1.94 4.4 %

This was spurred by higher net special commission income, net fee and commission income, net gains/ (losses) on FVSI financial instruments, dividend income and net exchange income.

 

However, this profit growth was partially offset by higher costs related to salaries and employee-related expenses, net allowance charges for ECL and other provisions, depreciation and amortization and other general and administrative expenses.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net Special Commission Income 2,074.73 2,008.00 (3.2 %)
Operating Income 2,409.05 2,392.00 (0.7 %)
Debt Provisions (165.00) (19.00) 88.5 %
Net Income 1,243.13 1,329.00 6.9 %
Average Shares 2,000.00 2,000.00 -
Earnings Per Share before unusual items (Riyal) 0.62 0.66 6.9 %
EPS (Riyal) 0.62 0.66 6.9 %
EPS Diluted (Riyal) 0.62 0.62 (1.1 %)

The third-quarter net profit grew by 7% to SAR 1.33 billion, from SAR 1.24 billion in Q3 2024.

 

Sequentially, the three-month bottom line fell 0.6% from SAR 1.33 billion in Q2 2025.

Balance Sheet (B)

Item 9m 2024 9m 2025 Change‬
Assets 242.29 280.49 15.8 %
Customer Deposits 180.85 210.70 16.5 %
Loan 166.33 191.36 15.0 %

Shareholders’ equity, after minority interest and sukuk, stood at SAR 40.9 billion by the end of Sept. 30, 2025, up from SAR 37.7 billion in the year-earlier period.

 

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