Financial Results : BSF profit rises 19% to SAR 4.09B in 9M 2025; Q3 at SAR 1.35B

BSF profit rises 19% to SAR 4.09B in 9M 2025; Q3 at SAR 1.35B

20/10/2025 Argaam Exclusive

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Banque Saudi Fransi (BSF) reported improved net profit of SAR 4.09 billion in the nine-month period ended Sept. 30, 2025, compared to SAR 3.43 billion in the prior-year period.



Financials (M)

Item 9m 2024 9m 2025 Change‬
Net Special Commission Income 5,844.06 6,476.00 10.8 %
Operating Income 7,085.64 7,916.00 11.7 %
Total Provisions (824.00) (752.00) 8.7 %
Net Income 3,427.27 4,094.00 19.5 %
Average Shares 2,500.00 2,500.00 -
Earnings Per Share before unusual items (Riyals) 1.37 1.64 19.5 %
EPS (Riyal) 1.37 1.64 19.5 %
EPS Diluted (Riyal) 1.31 1.53 17.1 %

The bank attributed the increase in profits year-on-year (YoY) to a 6.8% higher total commission income, mainly due to stronger returns from financing and investments.

 

Total operating income grew by 11.7% YoY; however, this was partially offset by a 2.5% rise in operating expenses, driven by higher other operating expenses, general and administrative (G&A) costs, provisions for other financial assets, and depreciation and amortization.

 

These increases were partly mitigated by a decline in expected credit loss provisions on loans and advances.

 

Additionally, the bank reported higher profits from investments held for purposes other than trading, as well as an increase in foreign exchange (FX) income, other operating income, and net fees and commissions.

 

Net provisions for financing and other financial assets declined by 8.7% YoY, mainly reflecting lower expected credit loss provisions on loans and advances, which were partially offset by higher provisions for other financial assets.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net Special Commission Income 1,985.62 2,162.00 8.9 %
Operating Income 2,412.01 2,599.00 7.8 %
Debt Provisions (275.00) (237.00) 13.8 %
Net Income 1,148.12 1,353.00 17.8 %
Average Shares 2,500.00 2,500.00 -
Earnings Per Share before unusual items (Riyal) 0.46 0.54 17.8 %
EPS (Riyal) 0.46 0.54 17.8 %
EPS Diluted (Riyal) 0.43 0.51 17.5 %

The third-quarter net profit rose 17.8% to SAR 1.35 billion, compared with SAR 1.14 billion in the same quarter last year.

 

Compared with the previous quarter, net profit fell 3.6% from SAR 1.4 billion in Q2 2025.

Balance Sheet (B)

Item 9m 2024 9m 2025 Change‬
Assets 288.48 314.95 9.2 %
Customer Deposits 193.34 185.87 (3.9 %)
Loan 201.01 215.59 7.3 %

Shareholders’ equity, no minority interest and after sukuk, amounted to SAR 41.64 billion by the end of 9M 2025, compared to SAR 38.93 billion a year earlier.

 

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