SNB profit climbs 5% to SAR 19.5B in 9M 2026; Q3 at SAR 6.5B

21/10/2026 Argaam Exclusive
Saudi National Bank (SNB) reported a net profit of SAR 19.5 billion in the first nine months of 2026, a rise of 5% from SAR 18.63 billion in the year-earlier period.


Financials (Million Riyal)

Item 9m 2025 9m 2026 Change‬
Net Special Commission Income 21,626.00 23,411.00 8.3 %
Operating Income 29,267.39 30,599.00 4.5 %
Total Provisions (93.00) (3.00) 96.8 %
Net Income 18,627.80 19,479.00 4.6 %
Average Shares 6,000.00 6,000.00 -
Earnings Per Share before unusual items (Riyals) 3.10 3.25 4.6 %
EPS (Riyal) 3.10 3.25 4.6 %
EPS Diluted (Riyal) 2.99 3.13 4.7 %

The bank attributed the year-on-year (YoY) profit decline to a 9.0% increase in operating expenses before expected credit losses to SAR 2.7 billion, including a 1.3% rise in employee expenses, a 41.3% increase in depreciation and amortization, and a 13.2% rise in other administrative expenses.

 

It also cited a 2.7% rise in financing portfolio income and a 97.2% decline in net expected credit loss provisions.

 

Net profit fell 0.3% to SAR 6.45 billion in Q3 2026, compared to SAR 6.46 billion in Q3 2025.

 

The bank attributed the year-on-year (YoY) profit decline to a 9.0% increase in operating expenses to SAR 2.7 billion, including a 1.3% rise in employee expenses, a 41.3% increase in depreciation and amortization, and a 13.2% rise in other administrative expenses.

 

This was compounded by a 39.6% increase in credit loss provisions, despite a 1.0% rise in financing and investment income to SAR 16.0 billion and a 2.6% increase in financing portfolio income.



Current Quarter Comparison (Million Riyal)

Compared With The
Item Q3 2025 Q3 2026 Change‬
Net Special Commission Income 7,304.00 8,048.00 10.2 %
Operating Income 10,145.49 10,366.00 2.2 %
Debt Provisions (231.00) (323.00) (39.8 %)
Net Income 6,468.66 6,450.00 (0.3 %)
Average Shares 6,000.00 6,000.00 -
Earnings Per Share before unusual items (Riyal) 1.08 1.08 (0.3 %)
EPS (Riyal) 1.08 1.08 (0.3 %)
EPS Diluted (Riyal) 1.04 1.02 (2.3 %)

On quarterly basis, net profit declined by 2.4%, compared to SAR 6.6 billion in Q2 2026.

 

The quarter-on-quarter decline was driven by a 2.0% drop in operating income to SAR 10.4 billion, including decreases of 4.9% in net foreign exchange income and 35.1% in investment gains.



Balance Sheet (Billion Riyal)

Item 9m 2025 9m 2026 Change‬
Assets 1,206.61 1,262.27 4.6 %
Customer Deposits 639.49 669.86 4.7 %
Loan 725.09 758.10 4.6 %

Total shareholders’ equity, excluding minority interest and sukuk, increased to SAR 186.7 billion as of Sept. 30, 2026, from SAR 179.7 billion a year earlier.

 

 

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Share Price

The Saudi National Bank
36.48
(0.06) (0.16 %)

The Saudi National Bank (SNB)

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Financial Ratios
Current
Market Cap (M Riyal) 218,880.00
Shares Outstanding ((M)) 6,000.00
Recurring EPS ( Riyal) (TTM) 4.31
EPS Diluted ( Riyal) (TTM) 4.12
Book Value (BV) ( Riyal) 31.02
Par Value ( Riyal) 10.00
Recurring P/E (TTM) 8.46
P/E (TTM) 8.46
Price/book 1.18
Dividend Yield (%) (Last Year) 5.89
Return on Average Assets (%) (TTM) 2.1
Return on Average Equity (%) (TTM) 14.1
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Financial results (Million Riyal)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2009 2,065.71 - 3,165.57 - (671.02) -
Q2 2009 1,918.50 - 2,817.90 - (425.12) -
Q3 2009 1,958.39 - 2,932.33 - (769.68) -
Q4 2009 2,103.06 - 2,562.85 - (607.91) -
Q1 2010 2,143.79 3.8 % 3,099.05 (2.1 %) (552.03) 17.7 %
Q2 2010 1,990.25 3.7 % 3,011.06 6.9 % (612.95) (44.2 %)
Q3 2010 1,978.17 1.0 % 2,826.25 (3.6 %) (587.79) 23.6 %
Q4 2010 2,037.60 (3.1 %) 2,730.89 6.6 % (78.79) 87.0 %
Q1 2011 2,072.45 (3.3 %) 3,059.38 (1.3 %) (296.60) 46.3 %
Q2 2011 2,116.00 6.3 % 3,075.09 2.1 % (407.97) 33.4 %
Q3 2011 2,173.22 9.9 % 3,059.64 8.3 % (212.25) 63.9 %
Q4 2011 2,219.76 8.9 % 2,939.51 7.6 % (116.50) (47.9 %)
Q1 2012 2,303.73 11.2 % 3,703.85 21.1 % (395.58) (33.4 %)
Q2 2012 2,176.14 2.8 % 3,380.72 9.9 % (351.03) 14.0 %
Q3 2012 2,332.29 7.3 % 3,271.63 6.9 % (424.82) (100.2 %)
Q4 2012 2,147.42 (3.3 %) 3,152.71 7.3 % (264.59) (127.1 %)
Q1 2013 2,533.05 10.0 % 4,065.77 9.8 % (259.83) 34.3 %
Q2 2013 2,546.09 17.0 % 3,699.88 9.4 % (156.08) 55.5 %
Q3 2013 2,373.59 1.8 % 3,423.34 4.6 % (199.61) 53.0 %
Q4 2013 2,643.48 23.1 % 3,668.53 16.4 % (179.83) 32.0 %
Q1 2014 2,708.28 6.9 % 3,864.29 (5.0 %) (205.65) 20.9 %
Q2 2014 2,842.93 11.7 % 4,214.98 13.9 % 91.77 158.8 %
Q3 2014 2,790.58 17.6 % 4,114.35 20.2 % (400.86) (100.8 %)
Q4 2014 3,062.34 15.8 % 4,053.41 10.5 % (480.72) (167.3 %)
Q1 2015 3,033.56 12.0 % 4,447.54 15.1 % (218.33) (6.2 %)
Q2 2015 3,122.72 9.8 % 4,282.93 1.6 % (278.85) (403.9 %)
Q3 2015 3,255.60 16.7 % 4,312.86 4.8 % (713.13) (77.9 %)
Q4 2015 3,169.96 3.5 % 4,442.37 9.6 % (390.05) 18.9 %
Q1 2016 3,435.82 13.3 % 4,723.97 6.2 % (346.63) (58.8 %)
Q2 2016 3,348.18 7.2 % 4,660.25 8.8 % (381.30) (36.7 %)
Q3 2016 3,441.72 5.7 % 4,662.80 8.1 % (839.11) (17.7 %)
Q4 2016 3,323.86 4.9 % 4,600.36 3.6 % (363.93) 6.7 %
Q1 2017 3,359.46 (2.2 %) 4,859.82 2.9 % (421.98) (21.7 %)
Q2 2017 3,472.91 3.7 % 4,478.34 (3.9 %) (477.71) (25.3 %)
Q3 2017 3,453.44 0.3 % 4,491.53 (3.7 %) (707.21) 15.7 %
Q4 2017 3,375.17 1.5 % 4,515.54 (1.8 %) (285.96) 21.4 %
Q1 2018 3,418.57 1.8 % 4,779.24 (1.7 %) 2.34 100.6 %
Q2 2018 3,573.43 2.9 % 4,660.55 4.1 % (335.31) 29.8 %
Q3 2018 3,637.42 5.3 % 4,731.60 5.3 % (610.35) 13.7 %
Q4 2018 4,493.72 33.1 % 4,755.83 5.3 % (403.75) (41.2 %)
Q1 2019 3,754.08 9.8 % 4,950.81 3.6 % (145.33) (6323.9 %)
Q2 2019 3,907.43 9.3 % 5,050.41 8.4 % (324.74) 3.2 %
Q3 2019 3,872.62 6.5 % 4,996.53 5.6 % (662.64) (8.6 %)
Q4 2019 4,848.32 7.9 % 5,576.93 17.3 % (287.23) 28.9 %
Q1 2020 4,157.22 10.7 % 5,305.26 7.2 % (396.09) (172.6 %)
Q2 2020 3,957.52 1.3 % 4,765.75 (5.6 %) (827.95) (155.0 %)
Q3 2020 4,197.76 8.4 % 5,637.61 12.8 % (378.85) 42.8 %
Q4 2020 4,372.15 (9.8 %) 5,749.32 3.1 % (348.00) (21.2 %)
Q1 2021 4,178.08 0.5 % 5,719.31 7.8 % (286.37) 27.7 %
Q2 2021 5,888.35 48.8 % 7,587.82 59.2 % (2,414.67) (191.6 %)
Q3 2021 6,205.90 47.8 % 7,874.43 39.7 % (732.08) (93.2 %)
Q4 2021 5,935.26 35.8 % 7,054.16 22.7 % (527.75) (51.7 %)
Q1 2022 6,108.44 46.2 % 8,092.89 41.5 % (386.25) (34.9 %)
Q2 2022 6,823.91 15.9 % 8,345.18 10.0 % (592.20) 75.5 %
Q3 2022 6,577.80 6.0 % 8,447.82 7.3 % (540.55) 26.2 %
Q4 2022 6,777.04 14.2 % 8,118.66 15.1 % (166.50) 68.5 %
Q1 2023 6,780.66 11.0 % 8,733.59 7.9 % (494.72) (28.1 %)
Q2 2023 6,521.82 (4.4 %) 8,494.37 1.8 % (86.07) 85.5 %
Q3 2023 6,833.34 3.9 % 8,736.77 3.4 % 78.01 114.4 %
Q4 2023 6,873.13 1.4 % 8,624.68 6.2 % (405.13) (143.3 %)
Q1 2024 6,911.33 1.9 % 8,939.42 2.4 % (654.12) (32.2 %)
Q2 2024 7,052.48 8.1 % 8,916.44 5.0 % (148.38) (72.4 %)
Q3 2024 6,841.00 0.1 % 9,190.97 5.2 % (228.16) (392.5 %)
Q4 2024 6,918.45 0.7 % 8,986.28 4.2 % 4.40 101.1 %
Q1 2025 7,251.05 4.9 % 9,611.52 7.5 % (31.06) 95.3 %
Q2 2025 7,084.09 0.4 % 9,510.39 6.7 % 170.11 214.6 %
Q3 2025 7,304.00 6.8 % 10,145.49 10.4 % (231.00) (1.2 %)
Q4 2025 7,506.43 8.5 % 9,927.18 10.5 % (959.98) (21927.7 %)
Q1 2026 7,496.32 3.4 % 9,650.36 0.4 % 577.33 1958.6 %
Q2 2026 7,878.00 11.2 % 10,582.65 11.3 % (258.00) (251.7 %)
Q3 2026 8,048.00 10.2 % 10,366.00 2.2 % (323.00) (39.8 %)


Profit Performance (Million Riyal)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS(Riyal)
Q1 2009 1,045.61 - 0.26 - 1,045.61 0.26
Q2 2009 1,191.61 - 0.30 - 1,191.61 0.30
Q3 2009 1,034.21 - 0.26 - 1,034.21 0.26
Q4 2009 768.83 - 0.19 - 768.83 0.19
Q1 2010 1,413.06 35.1 % 0.35 - 1,413.06 0.35
Q2 2010 1,226.70 2.9 % 0.31 - 1,226.70 0.31
Q3 2010 828.38 (19.9 %) 0.21 - 828.38 0.21
Q4 2010 1,255.70 63.3 % 0.31 - 1,255.70 0.31
Q1 2011 1,502.98 6.4 % 0.37 - 1,502.98 0.37
Q2 2011 1,424.32 16.1 % 0.35 - 1,424.32 0.35
Q3 2011 1,545.87 86.6 % 0.38 - 1,545.87 0.38
Q4 2011 1,538.58 22.5 % 0.38 - 1,538.58 0.38
Q1 2012 1,953.74 30.0 % 0.49 - 1,953.74 0.49
Q2 2012 1,608.14 12.9 % 0.40 - 1,608.14 0.40
Q3 2012 1,480.49 (4.2 %) 0.37 - 1,480.49 0.37
Q4 2012 1,410.44 (8.3 %) 0.35 - 1,410.44 0.35
Q1 2013 2,331.96 19.4 % 0.58 - 2,331.96 0.58
Q2 2013 1,992.11 23.9 % 0.50 - 1,992.11 0.50
Q3 2013 1,733.21 17.1 % 0.43 - 1,733.21 0.43
Q4 2013 1,794.93 27.3 % 0.45 - 1,794.93 0.45
Q1 2014 2,535.31 8.7 % 0.63 - 2,535.31 0.63
Q2 2014 2,425.41 21.8 % 0.60 - 2,425.41 0.60
Q3 2014 1,869.11 7.8 % 0.46 - 1,869.11 0.46
Q4 2014 1,825.33 1.7 % 0.45 - 1,825.33 0.45
Q1 2015 2,605.57 2.8 % 0.65 - 2,605.57 0.65
Q2 2015 2,362.92 (2.6 %) 0.59 - 2,362.92 0.59
Q3 2015 1,994.14 6.7 % 0.50 - 1,994.14 0.50
Q4 2015 2,126.56 16.5 % 0.53 - 2,126.56 0.53
Q1 2016 2,630.81 1.0 % 0.65 - 2,630.81 0.65
Q2 2016 2,437.54 3.2 % 0.61 - 2,437.54 0.61
Q3 2016 1,961.78 (1.6 %) 0.49 - 1,961.78 0.49
Q4 2016 2,286.72 7.5 % 0.57 - 2,286.72 0.57
Q1 2017 2,702.56 2.7 % 0.67 - 2,702.56 0.67
Q2 2017 2,417.42 (0.8 %) 0.60 - 2,417.42 0.60
Q3 2017 2,125.61 8.4 % 0.53 - 2,125.61 0.53
Q4 2017 2,556.39 11.8 % 0.64 - 2,556.39 0.64
Q1 2018 2,592.19 (4.1 %) 0.64 - 2,592.19 0.64
Q2 2018 2,166.35 (10.4 %) 0.54 - 2,166.35 0.54
Q3 2018 2,120.36 (0.2 %) 0.53 - 2,120.36 0.53
Q4 2018 2,705.58 5.8 % 0.67 - 2,705.58 0.67
Q1 2019 2,775.54 7.1 % 0.69 - 2,775.54 0.69
Q2 2019 2,685.59 24.0 % 0.67 - 2,685.59 0.67
Q3 2019 2,550.70 20.3 % 0.63 - 2,550.70 0.63
Q4 2019 3,389.61 25.3 % 0.84 - 3,389.61 0.84
Q1 2020 2,834.20 2.1 % 0.71 - 2,834.20 0.71
Q2 2020 2,087.73 (22.3 %) 0.52 - 2,087.73 0.52
Q3 2020 3,158.40 23.8 % 0.79 - 3,158.40 0.79
Q4 2020 3,359.77 (0.9 %) 0.84 - 3,359.77 0.84
Q1 2021 3,408.47 20.3 % 0.62 - 3,408.47 0.62
Q2 2021 2,315.88 10.9 % 0.42 (42.00) 2,357.88 0.43
Q3 2021 3,980.27 26.0 % 0.72 (31.00) 4,011.27 0.73
Q4 2021 2,963.56 (11.8 %) 0.54 (90.00) 3,053.56 0.55
Q1 2022 4,501.58 32.1 % 0.75 - 4,501.58 0.75
Q2 2022 4,589.12 98.2 % 0.76 - 4,589.12 0.76
Q3 2022 4,724.56 18.7 % 0.79 - 4,724.56 0.79
Q4 2022 4,765.43 60.8 % 0.79 - 4,765.43 0.79
Q1 2023 5,021.54 11.6 % 0.84 - 5,021.54 0.84
Q2 2023 5,015.56 9.3 % 0.84 - 5,015.56 0.84
Q3 2023 5,009.62 6.0 % 0.83 - 5,009.62 0.83
Q4 2023 4,963.24 4.2 % 0.83 - 4,963.24 0.83
Q1 2024 5,039.61 0.4 % 0.84 - 5,039.61 0.84
Q2 2024 5,230.56 4.3 % 0.87 - 5,230.56 0.87
Q3 2024 5,366.10 7.1 % 0.89 - 5,366.10 0.89
Q4 2024 5,556.73 12.0 % 0.93 - 5,556.73 0.93
Q1 2025 6,021.90 19.5 % 1.00 - 6,021.90 1.00
Q2 2025 6,137.24 17.3 % 1.02 - 6,137.24 1.02
Q3 2025 6,468.66 20.5 % 1.08 - 6,468.66 1.08
Q4 2025 6,385.48 14.9 % 1.06 - 6,385.48 1.06
Q1 2026 6,422.94 6.7 % 1.07 - 6,422.94 1.07
Q2 2026 6,605.87 7.6 % 1.10 - 6,605.87 1.10
Q3 2026 6,450.00 (0.3 %) 1.08 - 6,450.00 1.08


Balance Sheet (Billion Riyal)

Period Assets Change Customer Deposits Change Loan Change
Q1 2009 250.69 - 204.04 - 101.93 -
Q2 2009 256.90 - 206.86 - 105.81 -
Q3 2009 253.06 - 198.39 - 116.51 -
Q4 2009 257.45 - 202.58 - 112.16 -
Q1 2010 264.82 5.6 % 201.26 (1.4 %) 113.79 11.6 %
Q2 2010 263.27 2.5 % 204.81 (1.0 %) 116.96 10.5 %
Q3 2010 271.23 7.2 % 215.08 8.4 % 122.55 5.2 %
Q4 2010 282.37 9.7 % 229.16 13.1 % 125.60 12.0 %
Q1 2011 298.88 12.9 % 239.34 18.9 % 124.81 9.7 %
Q2 2011 313.78 19.2 % 250.66 22.4 % 130.18 11.3 %
Q3 2011 306.98 13.2 % 242.99 13.0 % 129.82 5.9 %
Q4 2011 301.20 6.7 % 239.46 4.5 % 135.29 7.7 %
Q1 2012 313.64 4.9 % 247.92 3.6 % 142.34 14.0 %
Q2 2012 320.42 2.1 % 250.27 (0.2 %) 150.27 15.4 %
Q3 2012 320.80 4.5 % 251.33 3.4 % 157.21 21.1 %
Q4 2012 345.26 14.6 % 273.53 14.2 % 163.46 20.8 %
Q1 2013 358.02 14.1 % 276.68 11.6 % 170.63 19.9 %
Q2 2013 362.80 13.2 % 288.05 15.1 % 178.21 18.6 %
Q3 2013 367.09 14.4 % 294.78 17.3 % 184.40 17.3 %
Q4 2013 377.29 9.3 % 300.60 9.9 % 187.69 14.8 %
Q1 2014 420.37 17.4 % 333.07 20.4 % 197.39 15.7 %
Q2 2014 435.53 20.0 % 345.60 20.0 % 206.19 15.7 %
Q3 2014 437.91 19.3 % 343.94 16.7 % 213.53 15.8 %
Q4 2014 434.88 15.3 % 333.10 10.8 % 220.72 17.6 %
Q1 2015 449.80 7.0 % 342.85 2.9 % 227.13 15.1 %
Q2 2015 461.41 5.9 % 360.98 4.5 % 234.28 13.6 %
Q3 2015 476.83 8.9 % 367.37 6.8 % 238.60 11.7 %
Q4 2015 448.64 3.2 % 323.87 (2.8 %) 252.94 14.6 %
Q1 2016 452.00 0.5 % 326.03 (4.9 %) 265.34 16.8 %
Q2 2016 452.61 (1.9 %) 314.71 (12.8 %) 264.77 13.0 %
Q3 2016 438.76 (8.0 %) 311.23 (15.3 %) 259.92 8.9 %
Q4 2016 442.66 (1.3 %) 315.62 (2.5 %) 253.59 0.3 %
Q1 2017 449.00 (0.7 %) 313.65 (3.8 %) 254.20 (4.2 %)
Q2 2017 450.49 (0.5 %) 314.69 0.0 % 256.90 (3.0 %)
Q3 2017 446.19 1.7 % 302.59 (2.8 %) 256.85 (1.2 %)
Q4 2017 444.79 0.5 % 308.94 (2.1 %) 249.23 (1.7 %)
Q1 2018 438.90 (2.2 %) 309.00 (1.5 %) 252.78 (0.6 %)
Q2 2018 455.73 1.2 % 317.65 0.9 % 266.04 3.6 %
Q3 2018 460.83 3.3 % 325.46 7.6 % 268.25 4.4 %
Q4 2018 452.18 1.7 % 318.70 3.2 % 265.06 6.4 %
Q1 2019 464.91 5.9 % 309.68 0.2 % 267.22 5.7 %
Q2 2019 476.59 4.6 % 327.44 3.1 % 274.83 3.3 %
Q3 2019 496.59 7.8 % 340.38 4.6 % 279.07 4.0 %
Q4 2019 506.82 12.1 % 353.39 10.9 % 281.84 6.3 %
Q1 2020 534.56 15.0 % 375.05 21.1 % 304.77 14.1 %
Q2 2020 556.86 16.8 % 380.40 16.2 % 315.84 14.9 %
Q3 2020 576.63 16.1 % 408.47 20.0 % 336.41 20.5 %
Q4 2020 599.44 18.3 % 416.42 17.8 % 346.71 23.0 %
Q1 2021 599.57 12.2 % 419.43 11.8 % 356.72 17.0 %
Q2 2021 897.36 61.1 % 588.13 54.6 % 501.80 58.9 %
Q3 2021 903.85 56.7 % 589.19 44.2 % 502.48 49.4 %
Q4 2021 914.15 52.5 % 588.57 41.3 % 497.57 43.5 %
Q1 2022 921.56 53.7 % 606.72 44.7 % 514.63 44.3 %
Q2 2022 958.47 6.8 % 593.01 0.8 % 536.19 6.9 %
Q3 2022 964.42 6.7 % 596.89 1.3 % 536.18 6.7 %
Q4 2022 945.50 3.4 % 568.28 (3.4 %) 545.31 9.6 %
Q1 2023 976.06 5.9 % 610.79 0.7 % 566.34 10.0 %
Q2 2023 996.20 3.9 % 602.21 1.6 % 577.85 7.8 %
Q3 2023 1,027.13 6.5 % 624.77 4.7 % 595.72 11.1 %
Q4 2023 1,037.08 9.7 % 590.05 3.8 % 601.53 10.3 %
Q1 2024 1,072.29 9.9 % 656.26 7.4 % 625.20 10.4 %
Q2 2024 1,088.11 9.2 % 632.69 5.1 % 637.24 10.3 %
Q3 2024 1,124.61 9.5 % 634.19 1.5 % 655.31 10.0 %
Q4 2024 1,104.15 6.5 % 579.76 (1.7 %) 654.25 8.8 %
Q1 2025 1,171.08 9.2 % 626.39 (4.6 %) 706.43 13.0 %
Q2 2025 1,201.00 10.4 % 658.68 4.1 % 714.84 12.2 %
Q3 2025 1,206.61 7.3 % 639.49 0.8 % 725.09 10.6 %
Q4 2025 1,210.03 9.6 % 636.09 9.7 % 729.31 11.5 %
Q1 2026 1,228.50 4.9 % 665.46 6.2 % 732.66 3.7 %
Q2 2026 1,244.69 3.6 % 698.17 6.0 % 739.56 3.5 %
Q3 2026 1,262.27 4.6 % 669.86 4.7 % 758.10 4.6 %

Profitability

Period Return On Average Assets Return on Average Equity Net Income/Operating profit
Q1 2009 - - -
Q2 2009 - - -
Q3 2009 - - -
Q4 2009 1.69 % 14.59 % 35.20 %
Q1 2010 1.71 % 16.23 % 38.62 %
Q2 2010 1.71 % 15.85 % 38.28 %
Q3 2010 1.62 % 14.22 % 36.85 %
Q4 2010 1.75 % 15.60 % 40.49 %
Q1 2011 1.71 % 15.64 % 41.40 %
Q2 2011 1.74 % 16.46 % 42.86 %
Q3 2011 1.98 % 17.87 % 48.04 %
Q4 2011 2.06 % 18.37 % 49.55 %
Q1 2012 2.11 % 19.02 % 50.57 %
Q2 2012 2.10 % 19.84 % 50.80 %
Q3 2012 2.10 % 18.80 % 49.50 %
Q4 2012 2.00 % 17.96 % 47.77 %
Q1 2013 2.03 % 18.53 % 49.25 %
Q2 2013 2.11 % 19.21 % 50.85 %
Q3 2013 2.17 % 19.39 % 52.07 %
Q4 2013 2.17 % 19.97 % 52.85 %
Q1 2014 2.07 % 19.96 % 54.96 %
Q2 2014 2.13 % 20.09 % 55.95 %
Q3 2014 2.14 % 20.33 % 54.37 %
Q4 2014 2.13 % 20.09 % 53.27 %
Q1 2015 2.01 % 19.45 % 51.84 %
Q2 2015 1.93 % 18.71 % 51.27 %
Q3 2015 1.92 % 19.01 % 51.40 %
Q4 2015 2.06 % 19.41 % 51.98 %
Q1 2016 2.02 % 18.46 % 51.31 %
Q2 2016 2.01 % 18.39 % 50.66 %
Q3 2016 2.00 % 18.35 % 49.52 %
Q4 2016 2.09 % 18.36 % 49.96 %
Q1 2017 2.08 % 17.67 % 49.98 %
Q2 2017 2.07 % 17.88 % 50.36 %
Q3 2017 2.15 % 17.92 % 51.72 %
Q4 2017 2.21 % 17.97 % 53.43 %
Q1 2018 2.18 % 17.36 % 53.06 %
Q2 2018 2.08 % 17.18 % 51.18 %
Q3 2018 2.08 % 17.16 % 50.49 %
Q4 2018 2.14 % 16.85 % 50.64 %
Q1 2019 2.16 % 16.78 % 51.14 %
Q2 2019 2.21 % 17.70 % 52.78 %
Q3 2019 2.24 % 18.75 % 54.26 %
Q4 2019 2.38 % 19.13 % 55.41 %
Q1 2020 2.29 % 19.68 % 54.76 %
Q2 2020 2.10 % 17.85 % 52.62 %
Q3 2020 2.14 % 18.49 % 53.89 %
Q4 2020 2.07 % 17.51 % 53.31 %
Q1 2021 2.12 % 18.77 % 54.93 %
Q2 2021 1.68 % 11.66 % 49.58 %
Q3 2021 1.76 % 12.26 % 48.51 %
Q4 2021 1.67 % 11.56 % 44.87 %
Q1 2022 1.81 % 12.31 % 44.96 %
Q2 2022 1.73 % 10.82 % 51.12 %
Q3 2022 1.80 % 11.38 % 52.53 %
Q4 2022 2.00 % 12.37 % 56.30 %
Q1 2023 2.01 % 12.48 % 56.77 %
Q2 2023 2.00 % 12.86 % 57.78 %
Q3 2023 1.99 % 13.20 % 58.13 %
Q4 2023 2.02 % 12.86 % 57.85 %
Q1 2024 1.96 % 12.58 % 57.56 %
Q2 2024 1.94 % 12.69 % 57.48 %
Q3 2024 1.91 % 12.83 % 57.75 %
Q4 2024 1.98 % 12.76 % 58.82 %
Q1 2025 1.98 % 13.16 % 60.41 %
Q2 2025 2.02 % 13.48 % 61.88 %
Q3 2025 2.07 % 13.91 % 63.22 %
Q4 2025 2.16 % 14.01 % 63.82 %
2025 2.16 % 14.01 % 63.82 %
Q1 2026 2.12 % 13.99 % 64.78 %
Q2 2026 2.12 % 14.00 % 64.22 %
Q3 2026 2.10 % 14.14 % 63.82 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2009 81.39 % 40.66 % 49.95 %
Q2 2009 80.52 % 41.19 % 51.15 %
Q3 2009 78.40 % 46.04 % 58.73 %
Q4 2009 78.69 % 43.56 % 55.36 %
Q1 2010 76.00 % 42.97 % 56.54 %
Q2 2010 77.79 % 44.42 % 57.11 %
Q3 2010 79.30 % 45.18 % 56.98 %
Q4 2010 81.16 % 44.48 % 54.81 %
Q1 2011 80.08 % 41.76 % 52.15 %
Q2 2011 79.88 % 41.49 % 51.94 %
Q3 2011 79.16 % 42.29 % 53.43 %
Q4 2011 79.50 % 44.92 % 56.50 %
Q1 2012 79.05 % 45.38 % 57.41 %
Q2 2012 78.11 % 46.90 % 60.04 %
Q3 2012 78.34 % 49.01 % 62.55 %
Q4 2012 79.22 % 47.34 % 59.76 %
Q1 2013 77.28 % 47.66 % 61.67 %
Q2 2013 79.40 % 49.12 % 61.87 %
Q3 2013 80.30 % 50.23 % 62.56 %
Q4 2013 79.67 % 49.75 % 62.44 %
Q1 2014 79.23 % 46.96 % 59.26 %
Q2 2014 79.35 % 47.34 % 59.66 %
Q3 2014 78.54 % 48.76 % 62.08 %
Q4 2014 76.60 % 50.75 % 66.26 %
Q1 2015 76.22 % 50.49 % 66.25 %
Q2 2015 78.23 % 50.78 % 64.90 %
Q3 2015 77.04 % 50.04 % 64.95 %
Q4 2015 72.19 % 56.38 % 78.10 %
Q1 2016 72.13 % 58.70 % 81.39 %
Q2 2016 69.53 % 58.50 % 84.13 %
Q3 2016 70.93 % 59.24 % 83.51 %
Q4 2016 71.30 % 57.29 % 80.35 %
Q1 2017 69.86 % 56.62 % 81.05 %
Q2 2017 69.86 % 57.03 % 81.64 %
Q3 2017 67.82 % 57.57 % 84.88 %
Q4 2017 69.46 % 56.03 % 80.67 %
Q1 2018 70.40 % 57.59 % 81.80 %
Q2 2018 69.70 % 58.38 % 83.75 %
Q3 2018 70.63 % 58.21 % 82.42 %
Q4 2018 70.48 % 58.62 % 83.17 %
Q1 2019 66.61 % 57.48 % 86.29 %
Q2 2019 68.70 % 57.67 % 83.93 %
Q3 2019 68.54 % 56.20 % 81.99 %
Q4 2019 69.73 % 55.61 % 79.75 %
Q1 2020 70.16 % 57.01 % 81.26 %
Q2 2020 68.31 % 56.72 % 83.03 %
Q3 2020 70.84 % 58.34 % 82.36 %
Q4 2020 69.47 % 57.84 % 83.26 %
Q1 2021 69.96 % 59.50 % 85.05 %
Q2 2021 65.54 % 55.92 % 85.32 %
Q3 2021 65.19 % 55.59 % 85.28 %
Q4 2021 64.39 % 54.43 % 84.54 %
Q1 2022 65.84 % 55.84 % 84.82 %
Q2 2022 61.87 % 55.94 % 90.42 %
Q3 2022 61.89 % 55.60 % 89.83 %
Q4 2022 60.10 % 57.67 % 95.96 %
Q1 2023 62.58 % 58.02 % 92.72 %
Q2 2023 60.45 % 58.01 % 95.95 %
Q3 2023 60.83 % 58.00 % 95.35 %
Q4 2023 56.90 % 58.00 % 101.94 %
Q1 2024 61.20 % 58.31 % 95.27 %
Q2 2024 58.15 % 58.56 % 100.72 %
Q3 2024 56.39 % 58.27 % 103.33 %
Q4 2024 52.51 % 59.25 % 112.85 %
Q1 2025 53.49 % 60.32 % 112.78 %
Q2 2025 54.84 % 59.52 % 108.53 %
Q3 2025 53.00 % 60.09 % 113.39 %
Q4 2025 52.57 % 60.27 % 114.65 %
Q1 2026 54.17 % 59.64 % 110.10 %
Q2 2026 56.09 % 59.42 % 105.93 %
Q3 2026 53.07 % 60.06 % 113.17 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Earnings Per Share before unusual items (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2009 4,019.65 - - - 6.34
Q2 2009 4,019.65 - - - 6.70
Q3 2009 4,019.65 - - - 7.15
Q4 2009 4,019.65 1.01 1.01 - 7.28
Q1 2010 4,019.65 1.10 1.10 - 7.17
Q2 2010 4,019.65 1.11 1.11 - 7.24
Q3 2010 4,019.65 1.05 1.05 - 7.68
Q4 2010 4,019.65 1.18 1.18 - 7.78
Q1 2011 4,019.65 1.20 1.20 - 8.14
Q2 2011 4,019.65 1.25 1.25 - 7.91
Q3 2011 4,019.65 1.43 1.43 - 8.27
Q4 2011 4,019.65 1.50 1.50 - 8.50
Q1 2012 4,019.65 1.61 1.61 - 8.76
Q2 2012 4,019.65 1.65 1.65 - 8.76
Q3 2012 4,019.65 1.64 1.64 - 9.15
Q4 2012 4,019.65 1.61 1.61 - 9.38
Q1 2013 4,019.65 1.70 1.70 - 9.58
Q2 2013 4,019.65 1.79 1.79 - 9.93
Q3 2013 4,019.65 1.86 1.86 - 10.01
Q4 2013 4,019.65 1.95 1.95 - 10.18
Q1 2014 4,019.65 2.00 2.00 - 10.51
Q2 2014 4,019.65 2.11 2.11 - 11.10
Q3 2014 4,019.65 2.15 2.15 - 11.10
Q4 2014 4,019.65 2.15 2.15 - 11.25
Q1 2015 4,019.65 2.17 2.17 - 11.81
Q2 2015 4,019.65 2.16 2.16 - 11.95
Q3 2015 4,019.65 2.19 2.19 - 11.91
Q4 2015 4,019.65 2.26 2.26 - 12.06
Q1 2016 4,019.65 2.27 2.27 - 12.75
Q2 2016 4,019.65 2.29 2.29 - 12.91
Q3 2016 4,019.65 2.28 2.28 - 12.92
Q4 2016 4,019.65 2.32 2.32 - 13.19
Q1 2017 4,019.65 2.34 2.34 - 13.68
Q2 2017 4,019.65 2.33 2.33 - 13.15
Q3 2017 4,019.65 2.37 2.37 - 13.54
Q4 2017 4,019.65 2.44 2.44 - 13.94
Q1 2018 4,019.65 2.41 2.41 - 14.10
Q2 2018 4,019.65 2.35 2.35 - 14.18
Q3 2018 4,019.65 2.35 2.35 - 13.81
Q4 2018 4,019.65 2.38 2.38 - 14.36
Q1 2019 4,019.65 2.43 2.43 - 14.87
Q2 2019 4,019.65 2.56 2.56 - 14.74
Q3 2019 4,019.65 2.67 2.67 - 14.63
Q4 2019 4,019.65 2.84 2.84 - 15.29
Q1 2020 4,019.65 2.85 2.85 - 14.11
Q2 2020 4,019.65 2.70 2.70 - 15.53
Q3 2020 4,019.65 2.85 2.85 - 16.24
Q4 2020 4,019.65 2.85 2.85 - 17.22
Q1 2021 5,504.91 2.18 2.18 - 17.73
Q2 2021 5,504.91 2.22 2.23 - 24.58
Q3 2021 5,504.91 2.37 2.39 - 24.65
Q4 2021 5,504.91 2.30 2.33 - 25.00
Q1 2022 6,000.00 2.29 2.32 - 25.40
Q2 2022 6,000.00 2.67 2.69 - 24.80
Q3 2022 6,000.00 2.80 2.81 - 24.49
Q4 2022 6,000.00 3.10 3.10 3.01 25.08
Q1 2023 6,000.00 3.18 3.18 3.09 25.61
Q2 2023 6,000.00 3.25 3.25 3.15 25.83
Q3 2023 6,000.00 3.30 3.30 3.19 25.52
Q4 2023 6,000.00 3.33 3.33 3.23 26.79
Q1 2024 6,000.00 3.34 3.34 3.24 27.47
Q2 2024 6,000.00 3.37 3.37 3.27 27.34
Q3 2024 6,000.00 3.43 3.43 3.33 27.98
Q4 2024 6,000.00 3.53 3.53 3.43 28.56
Q1 2025 6,000.00 3.70 3.70 3.57 28.72
Q2 2025 6,000.00 3.85 3.85 3.73 29.76
Q3 2025 6,000.00 4.03 4.03 3.91 29.96
Q4 2025 6,000.00 4.17 4.17 4.03 30.94
Q1 2026 6,000.00 4.24 4.24 4.11 31.83
Q2 2026 6,000.00 4.31 4.31 4.14 31.86
Q3 2026 6,000.00 4.31 4.31 4.12 31.02

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Recurring P/E Price/book
Q1 2009 - - -
Q2 2009 - - -
Q3 2009 - - -
Q4 2009 - - -
Q1 2010 - - -
Q2 2010 - - -
Q3 2010 - - -
Q4 2010 - - -
Q1 2011 - - -
Q2 2011 - - -
Q3 2011 - - -
Q4 2011 - - -
Q1 2012 - - -
Q2 2012 - - -
Q3 2012 - - -
Q4 2012 - - -
Q1 2013 - - -
Q2 2013 - - -
Q3 2013 - - -
Q4 2013 - - -
Q1 2014 - - -
Q2 2014 - - -
Q3 2014 - - -
Q4 2014 18.97 18.97 3.63
Q1 2015 20.89 20.89 3.84
Q2 2015 21.52 21.52 3.88
Q3 2015 18.33 18.33 3.37
Q4 2015 16.78 16.78 3.15
Q1 2016 13.33 13.33 2.37
Q2 2016 12.99 12.99 2.30
Q3 2016 10.75 10.75 1.90
Q4 2016 13.65 13.65 2.40
Q1 2017 12.54 12.54 2.14
Q2 2017 16.92 16.92 3.00
Q3 2017 16.10 16.10 2.82
Q4 2017 16.77 16.77 2.93
Q1 2018 20.07 20.07 3.43
Q2 2018 23.05 23.05 3.82
Q3 2018 21.38 21.38 3.63
Q4 2018 22.36 22.36 3.71
Q1 2019 25.21 25.21 4.12
Q2 2019 24.20 24.20 4.20
Q3 2019 19.24 19.24 3.51
Q4 2019 19.34 19.34 3.59
Q1 2020 13.56 13.56 2.74
Q2 2020 15.36 15.36 2.67
Q3 2020 14.50 14.50 2.55
Q4 2020 16.97 16.97 2.80
Q1 2021 19.79 19.79 3.34
Q2 2021 21.07 21.00 1.75
Q3 2021 21.04 20.93 1.86
Q4 2021 22.76 22.47 1.92
Q1 2022 23.07 22.80 2.08
Q2 2022 18.40 18.27 1.98
Q3 2022 16.84 16.75 1.92
Q4 2022 12.51 12.51 1.50
Q1 2023 11.08 11.08 1.34
Q2 2023 11.69 11.69 1.42
Q3 2023 10.29 10.29 1.29
Q4 2023 11.98 11.98 1.44
Q1 2024 12.41 12.41 1.46
Q2 2024 11.09 11.09 1.33
Q3 2024 10.30 10.30 1.23
Q4 2024 9.73 9.73 1.17
Q1 2025 10.04 10.04 1.25
Q2 2025 9.69 9.69 1.21
Q3 2025 10.03 10.03 1.31
Q4 2025 9.39 9.39 1.22
Q1 2026 10.18 10.18 1.31
Q2 2026 9.33 9.33 1.21
Q3 2026 9.67 9.67 1.28

Business Segments (Million Riyal)

Compared With The
Period Retail Corporate and Institutional Banking International Banking Capital Market Global markets and Treasury
Q1 2009 1,615.37 550.46 424.51 165.79 409.43
Q2 2009 1,614.72 507.68 428.19 169.08 98.23
Q3 2009 1,578.05 600.10 466.79 140.28 147.11
Q4 2009 1,472.98 567.04 460.23 146.60 (84.00)
Q1 2010 1,429.43 550.42 450.65 112.37 556.18
Q2 2010 1,354.72 516.49 437.95 150.77 551.14
Q3 2010 1,250.06 580.16 378.72 153.97 463.35
Q4 2010 1,181.16 524.00 444.44 127.34 453.94
Q1 2011 1,224.26 512.03 429.46 146.97 746.66
Q2 2011 1,211.32 507.83 467.96 147.43 740.55
Q3 2011 1,158.03 458.35 454.10 148.33 840.83
Q4 2011 1,162.53 531.82 493.19 78.14 673.83
Q1 2012 1,370.73 589.23 572.91 244.35 926.63
Q2 2012 1,324.88 486.68 527.86 201.57 839.73
Q3 2012 1,198.40 749.16 434.30 167.08 722.69
Q4 2012 1,197.65 490.57 565.60 155.74 743.17
Q1 2013 1,418.17 775.64 565.85 160.86 1,145.26
Q2 2013 1,276.19 933.13 551.32 167.65 771.59
Q3 2013 1,220.48 805.71 517.35 143.22 736.59
Q4 2013 1,387.79 920.72 503.54 132.59 723.88
Q1 2014 1,394.07 901.15 501.88 174.43 892.75
Q2 2014 1,444.40 926.59 527.50 219.17 1,097.32
Q3 2014 1,455.20 868.24 595.35 171.82 1,023.74
Q4 2014 1,427.35 1,032.33 628.39 188.93 776.42
Q1 2015 1,448.95 1,041.10 566.42 166.74 1,224.33
Q2 2015 1,522.94 1,034.67 528.51 183.19 1,013.61
Q3 2015 1,533.85 1,062.65 545.05 160.03 1,011.26
Q4 2015 1,854.84 1,002.57 546.46 181.42 857.08
Q1 2016 1,970.14 1,040.62 536.42 159.51 1,017.29
Q2 2016 1,985.35 1,054.82 589.90 147.36 882.82
Q3 2016 1,967.03 1,104.46 602.84 114.20 874.28
Q4 2016 1,782.46 1,186.84 501.03 159.65 970.39
Q1 2017 1,938.41 1,235.61 388.22 163.66 1,133.92
Q2 2017 1,924.73 1,042.93 393.30 144.16 973.23
Q3 2017 2,106.64 842.25 405.84 154.12 982.69
Q4 2017 2,171.24 973.67 390.38 173.87 806.38
Q1 2018 2,116.90 873.73 371.26 227.59 1,189.77
Q2 2018 1,976.75 1,075.78 442.12 176.26 989.64
Q3 2018 2,318.57 1,000.84 398.71 154.71 858.77
Q4 2018 2,260.08 1,111.00 314.71 161.60 908.44
Q1 2019 2,240.76 1,157.45 297.15 181.00 1,074.45
Q2 2019 2,385.91 965.58 353.75 216.64 1,128.53
Q3 2019 2,568.71 1,061.34 380.69 163.79 822.01
Q4 2019 2,512.36 1,526.65 429.32 225.36 883.24
Q1 2020 2,319.66 1,112.59 474.94 249.10 1,148.97
Q2 2020 2,363.44 2,914.55 417.10 219.62 (1148.97)
Q3 2020 2,676.13 2,267.98 407.50 285.99 -
Q4 2020 2,829.45 2,238.61 302.94 378.32 -
Q1 2021 2,662.57 2,430.09 276.48 350.17 -
Q2 2021 3,209.70 2,670.09 266.25 1,441.78 -
Q3 2021 3,326.70 4,696.32 476.74 (625.34) -
Q4 2021 3,267.32 2,705.87 670.36 410.61 -
Q1 2022 3,664.72 3,265.04 666.34 496.80 -
Q2 2022 3,552.39 3,550.45 702.87 539.48 -
Q3 2022 3,739.41 3,747.26 633.98 327.18 -
Q4 2022 3,655.43 3,385.15 571.89 506.20 -
Q1 2023 3,868.23 3,672.73 774.59 418.04 -
Q2 2023 4,145.73 2,983.28 906.18 459.18 -
Q3 2023 4,001.07 3,363.72 891.18 480.87 -
Q4 2023 3,854.59 3,791.83 540.69 426.51 -
Q1 2024 4,186.20 3,606.01 427.24 719.97 -
Q2 2024 4,494.47 3,422.11 386.36 613.51 -
Q3 2024 4,184.90 3,951.74 462.94 591.39 -
Q4 2024 4,193.68 4,049.61 385.86 357.14 -
Q1 2025 4,306.35 4,258.73 463.24 583.20 -
Q2 2025 4,303.02 4,188.91 426.55 588.26 -
Q3 2025 4,286.12 4,492.68 571.50 795.20 -
Q4 2025 4,269.30 4,501.25 701.54 455.09 -
Q1 2026 4,470.23 3,886.42 753.25 540.45 -
Q2 2026 4,690.04 4,750.38 685.67 456.56 -

Analysts Estimates (Million Riyal)

Item Profit (Expected) Profit (Actual) Change
Average 6,355.62 6,450.00

Estimates vs Actual (Million Riyal)

Item Profit (Expected) Profit (Actual) Change‬
GIB Capital 6,507.00 6,450.00
Riyad Capital 6,361.00 6,450.00
ANB Capital 6,697.10 6,450.00
JP Morgan 6,161.00 6,450.00
FAB Securities 6,764.00 6,450.00
Goldman Sachs 6,120.00 6,450.00
Bank of America 6,024.00 6,450.00
Citi Bank Group 6,021.00 6,450.00
U-Capital 5,934.70 6,450.00
UBS Saudi Arabia 5,866.00 6,450.00
Sico 7,456.00 6,450.00

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