Financial Results : Riyad Bank’s 9M 2025 profit up 10% to SAR 7.8B; Q3 at SAR 2.7B

Riyad Bank’s 9M 2025 profit up 10% to SAR 7.8B; Q3 at SAR 2.7B

20/10/2025 Argaam Exclusive

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Riyad Bank reported a 10% jump in net profit to SAR 7.8 billion for the first nine months of 2025, compared to SAR 7.1 billion in the prior-year period.


Financials (M)

Item 9m 2024 9m 2025 Change‬
Net Special Commission Income 9,440.81 9,666.57 2.4 %
Operating Income 12,629.89 13,717.09 8.6 %
Total Provisions (897.21) (1007.19) (12.3 %)
Net Income 7,064.51 7,770.03 10.0 %
Average Shares 3,000.00 3,000.00 -
Earnings Per Share before unusual items (Riyals) 2.35 2.59 10.0 %
EPS (Riyal) 2.35 2.59 10.0 %
EPS Diluted (Riyal) 2.27 2.46 8.4 %

The special commission income increased by 12.9% year-on-year (YoY) on higher special commission income from loans and advances, dues from banks, and investments.

 

The gross operating income also soared for 9M 2025, thanks to a rise in fee and commission income, net gains on disposal of non-trading investments, and trading income — albeit this was partially offset by decrease in net FOREX income and dividend income for the same period.

 

However, total operating expenses appreciated during the first nine months of this year. This was due to higher other general and administrative expenses; increased net impairment charges for wages and employee-related expenses as well as other operating expenses; and the depreciation of property, equipment and right of use assets.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net Special Commission Income 3,293.36 3,184.44 (3.3 %)
Operating Income 4,544.90 4,693.32 3.3 %
Debt Provisions (286.02) (336.00) (17.5 %)
Net Income 2,654.09 2,687.40 1.3 %
Average Shares 3,000.00 3,000.00 -
Earnings Per Share before unusual items (Riyal) 0.88 0.90 1.3 %
EPS (Riyal) 0.88 0.90 1.3 %
EPS Diluted (Riyal) 0.85 0.85 0.0 %

The net provision for expected credit losses and others expanded by 12.3% in 9M 2025. This was attributed to the wider impairment charge for other financial assets, which was partially offset by a pullback in the impairment charge of both credit losses and investments.

 

In Q3 2025, the Saudi-listed bank’s bottom line grew by 1% to SAR 2.7 billion, from SAR 2.6 billion in Q3 2024.

 

Sequentially, the third-quarter bottom line also advanced by 3.5% from SAR 2.59 billion in Q2 2025.

Balance Sheet (B)

Item 9m 2024 9m 2025 Change‬
Assets 433.82 507.57 17.0 %
Customer Deposits 293.57 325.41 10.8 %
Loan 305.41 368.55 20.7 %

Shareholders’ equity, no minority interest and after sukuk, stood at SAR 61.56 billion by the end of Sept. 30, 2025, compared to SAR 57.02 billion in the year-earlier period.

 

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