| Item | Q1 2025 | Q1 2026 | Change |
|---|---|---|---|
| Net Special Commission Income | 753.94 | 818.70 | 8.6 % |
| Operating Income | 1,079.22 | 1,152.20 | 6.8 % |
| Debt Provisions | (103.00) | (74.40) | 27.8 % |
| Net Income | 361.00 | 405.00 | 12.2 % |
| Average Shares | 1,281.25 | 1,281.25 | - |
| Earnings Per Share before unusual items (Riyal) | 0.28 | 0.32 | 12.2 % |
| EPS (Riyal) | 0.28 | 0.32 | 12.2 % |
| EPS Diluted (Riyal) | 0.28 | 0.24 | (15.0 %) |
| Item | Q4 2025 | Q1 2026 | Change |
|---|---|---|---|
| Net Special Commission Income | 772.99 | 818.70 | 5.9 % |
| Operating Income | 1,184.88 | 1,152.20 | (2.8 %) |
| Debt Provisions | (99.80) | (74.40) | 25.5 % |
| Net Income | 362.17 | 405.00 | 11.8 % |
| Average Shares | 1,281.25 | 1,281.25 | - |
| Earnings Per Share before unusual items (Riyal) | 0.28 | 0.32 | 11.8 % |
| EPS (Riyal) | 0.28 | 0.32 | 11.8 % |
| EPS Diluted (Riyal) | 0.21 | 0.24 | 14.3 % |
The Saudi-listed bank attributed the increase to a 9% rise in net financing and investment income, driven by higher returns from its financing and investment portfolio.
It also cited a 7% yearly uptick in its Q1 2026 operating income, supported by gains on financial instruments and dividend income, partially offset by lower banking fees and foreign exchange income.
On a quarterly basis, net profit rose 11.8% from SAR 362.2 million in Q4 2025.
| Item | 3m 2025 | 3m 2026 | Change |
|---|---|---|---|
| Assets | 153.37 | 173.11 | 12.9 % |
| Customer Deposits | 109.64 | 123.96 | 13.1 % |
| Loan | 100.57 | 114.27 | 13.6 % |
Total shareholders’ equity, no minority interest and sukuk, rose to SAR 14.8 billion as of March 31, 2025, from SAR 14.2 billion a year earlier.
| Company | Estimated | Actual | Change |
|---|---|---|---|
| BJAZ | 384.60 | 405.00 | |
| BSF | 1,361.00 | 1,381.00 | |
| ALDREES | 99.50 | 110.10 | |
| ALRAJHI | 6,470.73 | 6,752.00 | |
| RIBL | 2,534.33 | 2,613.54 | |
| SNB | 6,186.92 | 6,423.00 | |
| ANB | 1,193.67 | 1,359.00 | |
| JARIR | 233.76 | 253.50 | |
| ADVANCED | 29.88 | 30.00 | |
| EXTRA | 97.85 | 94.74 |
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