Financial Results : Alinma Bank’s 9M 2025 profit rises 9% to SAR 4.67B; Q3 at SAR 1.59B

Alinma Bank’s 9M 2025 profit rises 9% to SAR 4.67B; Q3 at SAR 1.59B

21/10/2025 Argaam Exclusive

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Alinma Bank posted a 9% increase in net profit to SAR 4.67 billion for the first nine months of 2025, versus SAR 4.30 billion in the year-ago period, spurred by 7.4% higher total operating income on increased income from financing and investment, fee income, exchange income and other operating income.


Financials (M)

Item 9m 2024 9m 2025 Change‬
Net Income from investments and financial activities 6,382.89 6,919.40 8.4 %
Operating Income 8,125.44 8,724.90 7.4 %
Total Provisions (799.80) (763.90) 4.5 %
Net Income 4,302.76 4,673.30 8.6 %
Average Shares 2,500.00 2,500.00 -
Earnings Per Share before unusual items (Riyals) 1.72 1.87 8.6 %
EPS (Riyal) 1.72 1.87 8.6 %
EPS Diluted (Riyal) 1.62 1.72 6.2 %

The decrease year-on-year (YoY) in impairment charge on financing and other financial assets came mainly due to onboarding of better-quality new assets, the bank noted.

 

The third-quarter net profit grew by 1% to SAR 1.59 billion, from SAR 1.57 billion in Q3 2024, due to a 5.3% increase in total operating income on higher net income from financing and investment, fee income and other operating income partly offset with the lower exchange income and FVIS income.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net Income from investments and financial activities 2,220.17 2,364.60 6.5 %
Operating Income 2,815.20 2,964.70 5.3 %
Debt Provisions (208.70) (256.30) (22.8 %)
Net Income 1,571.46 1,592.00 1.3 %
Average Shares 2,500.00 2,500.00 -
Earnings Per Share before unusual items (Riyal) 0.63 0.64 1.3 %
EPS (Riyal) 0.63 0.64 1.3 %
EPS Diluted (Riyal) 0.56 0.57 1.8 %

Sequentially, the three-month bottom line also rose by 1% from SAR 1.57 billion in Q2 2025.

Balance Sheet (B)

Item 9m 2024 9m 2025 Change‬
Assets 266.98 307.21 15.1 %
Customer Deposits 209.14 234.62 12.2 %
Financing Investments 195.90 225.68 15.2 %

Shareholders’ equity, no minority interest and after sukuk, stood at SAR 34.96 billion by the end of Sept. 30, 2025, up from SAR 32.40 billion in the year-earlier period.

 

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