Financial Results : SAB makes SAR 8.45B profit in 2025, SAR 2.05B in Q4

SAB makes SAR 8.45B profit in 2025, SAR 2.05B in Q4

05/02/2026 Argaam Exclusive

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Saudi Awwal Bank (SAB) reported a net profit of SAR 8.45 billion for 2025, an increase of 4.7% from SAR 8.07 billion a year earlier.



Financials (M)

Item 2024 2025 Change‬
Net Special Commission Income 11,131.00 11,627.00 4.5 %
Operating Income 14,017.67 14,724.00 5.0 %
Total Provisions (566.00) (704.00) (24.4 %)
Net Income 8,070.46 8,452.00 4.7 %
Average Shares 2,054.79 2,054.79 -
Earnings Per Share before unusual items (Riyals) 3.93 4.17 6.2 %
EPS (Riyal) 3.93 4.11 4.7 %
EPS Diluted (Riyal) 3.78 3.81 0.8 %

The annual profit growth was fueled by a 9% year-on-year (YoY) rise in special commission income, primarily driven by its growing loan and investment portfolio.

 

SAB’s 2025 net special commission income edged up by 4%, as special commission expenses grew due to a higher proportion of interest-bearing time deposits and increased interbank transaction costs, which were partially offset by lower financing costs related to sukuk.

 

These gains were partially offset by an increase in total operating costs, an increase in the net provision for expected credit losses and a decrease in the share of earnings from an associate.

 

The fourth-quarter net profit, however, was down 3.7% to SAR 2.05 billion from SAR 2.13 billion in Q4 2024.

 

Sequentially, the three-month bottom line also declined by 4.5% from SAR 2.14 billion in Q3 2025.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Net Special Commission Income 2,927.88 3,084.67 5.4 %
Operating Income 3,550.87 3,734.00 5.2 %
Debt Provisions (64.00) (264.00) (312.5 %)
Net Income 2,126.02 2,046.53 (3.7 %)
Average Shares 2,054.79 2,054.79 -
Earnings Per Share before unusual items (Riyal) 1.03 1.00 (3.7 %)
EPS (Riyal) 1.03 1.00 (3.7 %)
EPS Diluted (Riyal) 1.00 0.88 (11.7 %)

Balance Sheet (B)

Item 2024 2025 Change‬
Assets 400.60 454.45 13.4 %
Customer Deposits 267.01 323.27 21.1 %
Loan 259.35 298.63 15.1 %

Shareholders’ equity, no minority interest and after deducting sukuk, rose to SAR 66.95 billion as of Dec. 31, 2025, from SAR 61.48 billion a year earlier.

 

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