Financial Results : Alinma Bank 2025 profit up 10% to SAR 6.4B; Q4 at SAR 1.72B

Alinma Bank 2025 profit up 10% to SAR 6.4B; Q4 at SAR 1.72B

28/01/2026 Argaam Exclusive

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Alinma Bank reported a 10% increase in net profit to SAR 6.4 billion in 2025, compared with SAR 5.83 billion a year earlier.

 


Financials (M)

Item 2024 2025 Change‬
Net Income from investments and financial activities 8,648.63 9,376.70 8.4 %
Operating Income 10,940.08 11,905.30 8.8 %
Total Provisions (1049.26) (1060.10) (1.0 %)
Net Income 5,831.66 6,397.10 9.7 %
Average Shares 2,500.00 2,500.00 -
Earnings Per Share before unusual items (Riyals) 2.33 2.56 9.7 %
EPS (Riyal) 2.33 2.56 9.7 %
EPS Diluted (Riyal) 2.22 2.37 6.9 %

The improvement was driven by higher income from investments and financing, supported by growth in the financing and investment asset base.

 

Operating income rose 8.8%, mainly due to higher net income from financing and investments, increased fees from banking services, gains from the fair value remeasurement of investments, and other operating income. This was partly offset by declines in foreign exchange income and dividend income.

 

Expected credit loss expenses on financing assets and other financial assets increased during the year compared with the previous year, primarily due to the expansion of the financing and investment portfolio.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Net Income from investments and financial activities 2,265.74 2,457.30 8.5 %
Operating Income 2,814.64 3,180.37 13.0 %
Debt Provisions (249.49) (296.19) (18.7 %)
Net Income 1,528.90 1,723.82 12.7 %
Average Shares 2,500.00 2,500.00 -
Earnings Per Share before unusual items (Riyal) 0.61 0.69 12.7 %
EPS (Riyal) 0.61 0.69 12.7 %
EPS Diluted (Riyal) 0.60 0.65 8.9 %

Fourth-quarter net profit rose 12.7% to SAR 1.72 billion, from SAR 1.52 billion in Q4 2024.

 

On a sequential basis, quarterly profit increased 8.3% from SAR 1.59 billion in Q3 2025.

Balance Sheet (B)

Item 2024 2025 Change‬
Assets 276.83 311.07 12.4 %
Customer Deposits 210.54 227.37 8.0 %
Financing Investments 202.31 229.75 13.6 %

Shareholders’ equity, no minority interest and after sukuk, stood at SAR 35.74 billion by the end of Dec. 31, 2025, up from SAR 32.68 billion in the year-earlier period.

 

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