Riyad Bank’s 2025 profit rises 12% to SAR 10.41B; Q4 at SAR 2.64B

Riyad Bank reported a 12% increase in net profit to SAR 10.41 billion for 2025, compared to SAR 9.32 billion in 2024.

The positive performance was driven by a 12% year-on-year (YoY) increase in special commission income due to a rise in special commission income from loans and advances, investments, and due from banks.

Additionally, the bank reported higher net fee and commission income, trading income, special commission income, gains from non-trading investments, and other operating income. These increases were partially offset by decreases in exchange income and dividend income.

Furthermore, the Saudi-listed bank saw a decline in total operating expenses on lower net impairment charges for credit losses, other general and administrative (G&A) expenses, and net provisions of impairment charge for other financial assets. This was partially offset by an increase in other operating expenses, salaries and employee-related expenses, depreciation of property, equipment and right of use assets, rent and premises-related expense, and net provision for impairment of investments.

Meanwhile, net provision of expected credit losses and other losses decreased by 15.8% YoY due to a decrease in impairment charge of credit losses and net provision of impairment charge for other financial assets, which was partially offset by an increase in the impairment charge for investments.

The fourth-quarter net profit rose 17% to SAR 2.64 billion from SAR 2.26 billion in Q4 2024.

Sequentially, the Q4 bottom line fell 1.7% from SAR 2.69 billion in Q3 2025.

Shareholders’ equity, no minority interest and after sukuk, stood at SAR 64.1 billion by the end of December 2025, compared to SAR 59 billion in the year-earlier period.

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