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 fee and commission income net, trading income, net, net special commission income, gains on non-trading investments, net, other operating income, partially offset by decrease in exchange income, dividend income during 2025 compared to 2024.

Furthermore, the Saudi-listed bank saw a decline in total operating expenses on lower impairment charge for credit losses, net, other general and administrative expenses, and impairment charge for other financial assets, net. 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 impairment charge for investments, net.

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, net, and impairment charge for other financial assets, net, which was partially offset by an increase in impairment charge for investments, net.

The fourth-quarter net profit leapt 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 59.0 billion in the year-earlier period.

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