Financial Results : Alinma Bank H1 2025 profit rises 13% to SAR 3.08B; Q2 at SAR 1.57B

Alinma Bank H1 2025 profit rises 13% to SAR 3.08B; Q2 at SAR 1.57B

24/07/2025 Argaam Exclusive

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Alinma Bank reported a 13% rise in H1 2025 net profit to SAR 3.08 billion from SAR 2.73 billion in the year-earlier period.


Financials (M)

Item 6m 2024 6m 2025 Change‬
Net Income from investments and financial activities 4,162.71 4,554.80 9.4 %
Operating Income 5,310.23 5,760.30 8.5 %
Total Provisions (591.00) (507.60) 14.1 %
Net Income 2,731.30 3,081.30 12.8 %
Average Shares 2,500.00 2,500.00 -
Earnings Per Share before unusual items (Riyals) 1.09 1.23 12.8 %
EPS (Riyal) 1.09 1.23 12.8 %
EPS Diluted (Riyal) 1.06 1.15 8.5 %

The profit increase was driven by higher income from investments and financing, primarily due to growth in financing and investment volume.

 

Additionally, total operating income increased 8.5% year-on-year (YoY), boosted by growth in net income from financing and investment, fee income and foreign exchange income.

 

Meanwhile, impairment charge on financing and other financial assets fell during the period YoY, due to the onboarding of better-quality new assets.



Current Quarter Comparison (M)

Compared With The
Item Q2 2024 Q2 2025 Change‬
Net Income from investments and financial activities 2,150.76 2,271.80 5.6 %
Operating Income 2,745.73 2,946.60 7.3 %
Debt Provisions (326.60) (281.30) 13.9 %
Net Income 1,416.57 1,573.30 11.1 %
Average Shares 2,500.00 2,500.00 -
Earnings Per Share before unusual items (Riyal) 0.57 0.63 11.1 %
EPS (Riyal) 0.57 0.63 11.1 %
EPS Diluted (Riyal) 0.55 0.61 11.3 %

In Q2 2025, the bank’s net profit climbed 11% to SAR 1.57 billion, from SAR 1.41 billion in Q2 2024.

 

Sequentially, Alinma Bank’s Q2 net profit rose 4.3% from SAR 1.50 billion in Q1 2025.

 

Total shareholders’ equity, excluding minority interest and sukuk, stood at SAR 36.02 billion as of June 30, 2025, up from SAR 31.28 billion a year earlier.

Balance Sheet (B)

Item 6m 2024 6m 2025 Change‬
Assets 260.14 297.22 14.3 %
Customer Deposits 205.36 229.94 12.0 %
Financing Investments 189.91 218.60 15.1 %

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