SAIB posts SAR 2.43B profit in 2025; Q4 at SAR 897.3M

The Saudi Investment Bank (SAIB) reported a net profit of SAR 2.43 billion in 2025, up 24.3% from SAR 1.96 billion a year earlier.

The bank attributed the increase in profits to a 14.7% rise in total operating income, driven primarily by higher other operating income, increased foreign exchange fees, higher fees from banking services, and gains on the disposal of debt securities measured at fair value through other comprehensive income.

By contrast, net special commission income decreased marginally by 0.3%, mainly due to an increase in total special commission expenses, despite a rise in total special commission income.

Total operating expenses rose 2.7%, mainly reflecting higher provisions for credit and other losses, increased salaries and employee-related expenses, and higher depreciation and amortization, which was partly offset by a decline in general and administrative expenses.

Net provisions for expected credit losses and other losses increased 22.4%, mainly due to higher net charges related to loans and advances.

In Q4 2025, net profit was 75.9% higher at SAR 897.3 million, compared with SAR 509.99 million a year earlier.

Sequentially, the three-month bottom line grew 73.1% from SAR 518.41 million in Q3 2025.

Shareholders’ equity, with no minority interest and after excluding sukuk, increased to SAR 17.12 billion as of the end of 2025, from SAR 15.82 billion in the year-earlier period.

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