Financial Results : SAIB profit up 9% at SAR 1.01B in H1 2025; Q2 at SAR 512.5M

SAIB profit up 9% at SAR 1.01B in H1 2025; Q2 at SAR 512.5M

23/07/2025 Argaam Exclusive

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The Saudi Investment Bank (SAIB) reported a net profit of SAR 1.01 billion for the first six months of 2025, an increase of 9% from SAR 928.8 million in the year-earlier period, on a 5.1% increase in total operating income.



Financials (M)

Item 6m 2024 6m 2025 Change‬
Net Special Commission Income 1,729.20 1,796.10 3.9 %
Operating Income 2,017.65 2,120.20 5.1 %
Total Provisions (144.13) (125.70) 12.8 %
Net Income 928.79 1,015.80 9.4 %
Average Shares 1,250.00 1,250.00 -
Earnings Per Share before unusual items (Riyals) 0.74 0.81 9.4 %
EPS (Riyal) 0.74 0.81 9.4 %
EPS Diluted (Riyal) 0.68 0.68 0.4 %

SAIB also cited higher net special commission income, exchange income, fee income from banking services and gains related to FVOCI debt securities, despite partial decline in fair value.



Current Quarter Comparison (M)

Compared With The
Item Q2 2024 Q2 2025 Change‬
Net Special Commission Income 878.80 905.50 3.0 %
Operating Income 1,022.52 1,069.90 4.6 %
Debt Provisions (62.07) (64.20) (3.4 %)
Net Income 486.38 512.50 5.4 %
Average Shares 1,250.00 1,250.00 -
Earnings Per Share before unusual items (Riyal) 0.39 0.41 5.4 %
EPS (Riyal) 0.39 0.41 5.4 %
EPS Diluted (Riyal) 0.34 0.29 (14.0 %)

Q2 2025 net profit grew 5% to SAR 512.5 million, compared to SAR 486.3 million in the year-earlier period, as total operating income increased by 4.6% primarily fuelled by increased net special commission income, fee income from banking services and exchange income.

 

Total operating expenses increased by 3.4% due to higher general and administrative expenses, salaries and employee-related expenses, depreciation & amortization, and provisions for credit and other losses.

 

On a sequential basis, net earnings grew 1.8% from SAR 503.3 million in Q1 2025.

Balance Sheet (B)

Item 6m 2024 6m 2025 Change‬
Assets 143.36 167.29 16.7 %
Customer Deposits 95.36 100.24 5.1 %
Loan 90.64 108.42 19.6 %

Total shareholders’ equity, excluding minority interest and sukuk, reached SAR 15.93 billion by June 30, 2025, compared to SAR 15 billion in the year-earlier period. 

 

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