Riyad Bank’s 9M 2025 profit up 10% to SAR 7.8B; Q3 at SAR 2.7B

20/10/2025 Argaam Exclusive
Riyad Bank reported a 10% jump in net profit to SAR 7.8 billion for the first nine months of 2025, compared to SAR 7.1 billion in the prior-year period.


Financials (Million Riyal)

Item 9m 2024 9m 2025 Change‬
Net Special Commission Income 9,440.81 9,666.57 2.4 %
Operating Income 12,629.89 13,717.09 8.6 %
Total Provisions (1120.77) (935.28) 16.6 %
Net Income 7,064.51 7,770.03 10.0 %
Average Shares 4,000.00 4,000.00 -
Earnings Per Share before unusual items (Riyals) 1.77 1.94 10.0 %
EPS (Riyal) 1.77 1.94 10.0 %
EPS Diluted (Riyal) 1.70 1.84 8.4 %

The special commission income increased by 12.9% year-on-year (YoY) on higher special commission income from loans and advances, dues from banks, and investments.

 

The gross operating income also soared for 9M 2025, thanks to a rise in fee and commission income, net gains on disposal of non-trading investments, and trading income — albeit this was partially offset by decrease in net FOREX income and dividend income for the same period.

 

However, total operating expenses appreciated during the first nine months of this year. This was due to higher other general and administrative expenses; increased net impairment charges for wages and employee-related expenses as well as other operating expenses; and the depreciation of property, equipment and right of use assets.



Current Quarter Comparison (Million Riyal)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net Special Commission Income 3,293.36 3,184.44 (3.3 %)
Operating Income 4,544.90 4,693.32 3.3 %
Debt Provisions (281.48) (311.37) (10.6 %)
Net Income 2,654.09 2,687.40 1.3 %
Average Shares 4,000.00 4,000.00 -
Earnings Per Share before unusual items (Riyal) 0.66 0.67 1.3 %
EPS (Riyal) 0.66 0.67 1.3 %
EPS Diluted (Riyal) 0.64 0.64 0.0 %

The net provision for expected credit losses and others expanded by 12.3% in 9M 2025. This was attributed to the wider impairment charge for other financial assets, which was partially offset by a pullback in the impairment charge of both credit losses and investments.

 

In Q3 2025, the Saudi-listed bank’s bottom line grew by 1% to SAR 2.7 billion, from SAR 2.6 billion in Q3 2024.

 

Sequentially, the third-quarter bottom line also advanced by 3.5% from SAR 2.59 billion in Q2 2025.



Balance Sheet (Billion Riyal)

Item 9m 2024 9m 2025 Change‬
Assets 433.82 507.57 17.0 %
Customer Deposits 293.57 325.41 10.8 %
Loan 305.41 368.55 20.7 %

Shareholders’ equity, no minority interest and after sukuk, stood at SAR 61.56 billion by the end of Sept. 30, 2025, compared to SAR 57.02 billion in the year-earlier period.

 

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Share Price

Riyad Bank
19.46
(0.04) (0.21 %)

Riyad Bank (RIBL)

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Financial Ratios
Current
Market Cap (M Riyal) 77,840.08
Shares Outstanding ((M)) 4,000.00
Recurring EPS ( Riyal) (TTM) 2.65
EPS Diluted ( Riyal) (TTM) 2.47
Book Value (BV) ( Riyal) 16.87
Par Value ( Riyal) 10.00
Recurring P/E (TTM) 7.35
P/E (TTM) 7.35
Price/book 1.15
Dividend Yield (%) (Last Year) 5.38
Return on Average Assets (%) (TTM) 2.1
Return on Average Equity (%) (TTM) 16.4
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Financial results (Million Riyal)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2003 544.02 - 754.17 - (33.06) -
Q2 2003 542.26 - 923.01 - (73.45) -
Q3 2003 539.55 - 736.88 - (58.41) -
Q4 2003 551.12 - 781.57 - (21.28) -
Q1 2004 569.05 4.6 % 863.05 14.4 % (56.37) (70.5 %)
Q2 2004 618.06 14.0 % 800.04 (13.3 %) 20.67 128.1 %
Q3 2004 578.98 7.3 % 834.42 13.2 % (10.62) 81.8 %
Q4 2004 641.92 16.5 % 960.85 22.9 % (50.52) (137.4 %)
Q1 2005 621.68 9.2 % 867.46 0.5 % (43.17) 23.4 %
Q2 2005 664.82 7.6 % 1,060.72 32.6 % (41.10) (298.8 %)
Q3 2005 687.97 18.8 % 1,109.90 33.0 % (80.67) (659.4 %)
Q4 2005 697.36 8.6 % 1,157.06 20.4 % (47.13) 6.7 %
Q1 2006 725.37 16.7 % 1,343.88 54.9 % (67.47) (56.3 %)
Q2 2006 768.46 15.6 % 1,134.51 7.0 % (71.48) (73.9 %)
Q3 2006 717.08 4.2 % 1,134.09 2.2 % (80.45) 0.3 %
Q4 2006 715.15 2.6 % 1,273.65 10.1 % (153.10) (224.8 %)
Q1 2007 770.42 6.2 % 1,207.02 (10.2 %) (89.42) (32.5 %)
Q2 2007 825.30 7.4 % 1,373.54 21.1 % (59.55) 16.7 %
Q3 2007 836.78 16.7 % 1,246.97 10.0 % (75.88) 5.7 %
Q4 2007 833.88 16.6 % 1,340.60 5.3 % (120.68) 21.2 %
Q1 2008 980.52 27.3 % 1,212.23 0.4 % (52.15) 41.7 %
Q2 2008 985.19 19.4 % 1,446.00 5.3 % (47.18) 20.8 %
Q3 2008 1,012.53 21.0 % 1,058.35 (15.1 %) (16.70) 78.0 %
Q4 2008 968.57 16.2 % 1,531.78 14.3 % (233.04) (93.1 %)
Q1 2009 1,112.12 13.4 % 1,459.36 20.4 % (184.84) (254.4 %)
Q2 2009 1,147.72 16.5 % 1,524.41 5.4 % (95.51) (102.4 %)
Q3 2009 1,026.69 1.4 % 1,400.83 32.4 % (153.59) (819.6 %)
Q4 2009 1,060.65 9.5 % 1,575.51 2.9 % (184.60) 20.8 %
Q1 2010 1,012.44 (9.0 %) 1,469.41 0.7 % (278.99) (50.9 %)
Q2 2010 1,027.65 (10.5 %) 1,527.26 0.2 % (196.16) (105.4 %)
Q3 2010 1,059.71 3.2 % 1,498.16 6.9 % (299.78) (95.2 %)
Q4 2010 1,041.98 (1.8 %) 1,485.62 (5.7 %) (160.15) 13.2 %
Q1 2011 984.01 (2.8 %) 1,526.84 3.9 % (160.31) 42.5 %
Q2 2011 1,066.59 3.8 % 1,569.68 2.8 % (87.45) 55.4 %
Q3 2011 1,063.54 0.4 % 1,572.56 5.0 % (150.94) 49.6 %
Q4 2011 1,082.89 3.9 % 1,606.72 8.2 % (263.02) (64.2 %)
Q1 2012 1,068.47 8.6 % 1,643.89 7.7 % (152.87) 4.6 %
Q2 2012 1,095.22 2.7 % 1,804.29 14.9 % (386.55) (342.0 %)
Q3 2012 1,117.21 5.0 % 1,667.72 6.1 % (327.28) (116.8 %)
Q4 2012 1,100.58 1.6 % 1,670.38 4.0 % (312.95) (19.0 %)
Q1 2013 1,089.59 2.0 % 1,724.64 4.9 % (191.13) (25.0 %)
Q2 2013 1,166.34 6.5 % 1,815.48 0.6 % (197.21) 49.0 %
Q3 2013 1,214.55 8.7 % 1,738.69 4.3 % (139.62) 57.3 %
Q4 2013 1,226.52 11.4 % 1,795.22 7.5 % (99.46) 68.2 %
Q1 2014 1,229.64 12.9 % 1,932.04 12.0 % (203.77) (6.6 %)
Q2 2014 1,256.38 7.7 % 2,094.96 15.4 % (262.98) (33.3 %)
Q3 2014 1,315.71 8.3 % 1,990.25 14.5 % (217.40) (55.7 %)
Q4 2014 1,328.51 8.3 % 1,994.52 11.1 % (215.92) (117.1 %)
Q1 2015 1,281.74 4.2 % 2,047.81 6.0 % (127.80) 37.3 %
Q2 2015 1,293.48 3.0 % 1,901.43 (9.2 %) (315.33) (19.9 %)
Q3 2015 1,261.05 (4.2 %) 1,862.11 (6.4 %) (358.11) (64.7 %)
Q4 2015 1,343.51 1.1 % 1,888.02 (5.3 %) (229.49) (6.3 %)
Q1 2016 1,267.32 (1.1 %) 1,786.17 (12.8 %) (104.82) 18.0 %
Q2 2016 1,360.12 5.2 % 2,026.99 6.6 % (85.11) 73.0 %
Q3 2016 1,320.55 4.7 % 1,854.88 (0.4 %) (335.22) 6.4 %
Q4 2016 1,353.05 0.7 % 1,833.24 (2.9 %) (761.26) (231.7 %)
Q1 2017 1,425.31 12.5 % 2,007.29 12.4 % (217.11) (107.1 %)
Q2 2017 1,473.21 8.3 % 1,983.91 (2.1 %) (371.45) (336.4 %)
Q3 2017 1,538.68 16.5 % 2,076.13 11.9 % (288.12) 14.0 %
Q4 2017 1,497.87 10.7 % 2,057.89 12.3 % (350.80) 53.9 %
Q1 2018 1,523.19 6.9 % 2,129.55 6.1 % (196.44) 9.5 %
Q2 2018 1,629.57 10.6 % 2,173.53 9.6 % (328.81) 11.5 %
Q3 2018 1,717.41 11.6 % 2,280.89 9.9 % (243.09) 15.6 %
Q4 2018 1,758.30 17.4 % 2,383.44 15.8 % (170.37) 51.4 %
Q1 2019 1,808.72 18.7 % 2,580.14 21.2 % (162.37) 17.3 %
Q2 2019 1,962.95 20.5 % 2,669.57 22.8 % (283.05) 13.9 %
Q3 2019 2,034.23 18.4 % 2,762.69 21.1 % (189.84) 21.9 %
Q4 2019 2,031.12 15.5 % 2,704.66 13.5 % (334.93) (96.6 %)
Q1 2020 1,989.32 10.0 % 2,885.48 11.8 % (303.40) (86.9 %)
Q2 2020 2,115.75 7.8 % 2,708.95 1.5 % (569.99) (101.4 %)
Q3 2020 2,072.67 1.9 % 2,820.99 2.1 % (466.07) (145.5 %)
Q4 2020 2,035.87 0.2 % 2,789.71 3.1 % (647.62) (93.4 %)
Q1 2021 2,095.80 5.4 % 2,823.83 (2.1 %) (249.40) 17.8 %
Q2 2021 2,146.02 1.4 % 2,978.09 9.9 % (229.32) 59.8 %
Q3 2021 1,981.71 (4.4 %) 2,816.58 (0.2 %) (138.62) 70.3 %
Q4 2021 2,069.63 1.7 % 2,949.34 5.7 % (243.52) 62.4 %
Q1 2022 2,131.88 1.7 % 3,101.53 9.8 % (147.66) 40.8 %
Q2 2022 2,396.73 11.7 % 3,230.47 8.5 % (301.53) (31.5 %)
Q3 2022 2,672.19 34.8 % 3,525.13 25.2 % (203.53) (46.8 %)
Q4 2022 2,851.65 37.8 % 3,742.24 26.9 % (377.88) (55.2 %)
Q1 2023 3,088.35 44.9 % 4,036.23 30.1 % (580.89) (293.4 %)
Q2 2023 3,109.12 29.7 % 3,952.32 22.3 % (484.44) (60.7 %)
Q3 2023 3,074.87 15.1 % 3,978.14 12.9 % (304.20) (49.5 %)
Q4 2023 3,141.94 10.2 % 3,932.15 5.1 % (464.46) (22.9 %)
Q1 2024 3,050.88 (1.2 %) 4,087.69 1.3 % (435.95) 25.0 %
Q2 2024 3,096.57 (0.4 %) 3,997.31 1.1 % (403.34) 16.7 %
Q3 2024 3,293.36 7.1 % 4,544.90 14.2 % (281.48) 7.5 %
Q4 2024 3,432.46 9.2 % 4,654.64 18.4 % (483.95) (4.2 %)
Q1 2025 3,282.48 7.6 % 4,503.64 10.2 % (331.57) 23.9 %
Q2 2025 3,199.65 3.3 % 4,520.13 13.1 % (292.34) 27.5 %
Q3 2025 3,184.44 (3.3 %) 4,693.32 3.3 % (311.37) (10.6 %)


Profit Performance (Million Riyal)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS(Riyal)
Q1 2003 386.45 - 0.19 - 386.45 0.19
Q2 2003 488.08 - 0.24 - 488.08 0.24
Q3 2003 344.77 - 0.17 - 344.77 0.17
Q4 2003 372.36 - 0.18 - 372.36 0.18
Q1 2004 436.08 12.8 % 0.21 - 436.08 0.21
Q2 2004 487.65 (0.1 %) 0.24 - 487.65 0.24
Q3 2004 493.69 43.2 % 0.24 - 493.69 0.24
Q4 2004 588.19 58.0 % 0.29 - 588.19 0.29
Q1 2005 521.62 19.6 % 0.20 - 521.62 0.20
Q2 2005 938.00 92.4 % 0.37 295.65 642.35 0.25
Q3 2005 667.65 35.2 % 0.26 - 667.65 0.26
Q4 2005 710.06 20.7 % 0.28 - 710.06 0.28
Q1 2006 872.41 67.3 % 0.27 - 872.41 0.27
Q2 2006 681.94 (27.3 %) 0.21 - 681.94 0.21
Q3 2006 651.13 (2.5 %) 0.20 - 651.13 0.20
Q4 2006 703.06 (1.0 %) 0.22 - 703.06 0.22
Q1 2007 655.05 (24.9 %) 0.20 - 655.05 0.20
Q2 2007 847.55 24.3 % 0.26 - 847.55 0.26
Q3 2007 715.88 9.9 % 0.22 - 715.88 0.22
Q4 2007 792.76 12.8 % 0.25 - 792.76 0.25
Q1 2008 690.71 5.4 % 0.22 - 690.71 0.22
Q2 2008 906.35 6.9 % 0.23 - 906.35 0.23
Q3 2008 512.55 (28.4 %) 0.13 - 512.55 0.13
Q4 2008 529.15 (33.3 %) 0.13 - 529.15 0.13
Q1 2009 441.06 (36.1 %) 0.11 - 441.06 0.11
Q2 2009 918.00 1.3 % 0.23 - 918.00 0.23
Q3 2009 759.38 48.2 % 0.19 - 759.38 0.19
Q4 2009 912.04 72.4 % 0.23 - 912.04 0.23
Q1 2010 684.46 55.2 % 0.17 - 684.46 0.17
Q2 2010 765.80 (16.6 %) 0.19 - 765.80 0.19
Q3 2010 610.76 (19.6 %) 0.15 - 610.76 0.15
Q4 2010 763.60 (16.3 %) 0.19 - 763.60 0.19
Q1 2011 741.24 8.3 % 0.19 - 741.24 0.19
Q2 2011 835.99 9.2 % 0.21 - 835.99 0.21
Q3 2011 794.28 30.0 % 0.20 - 794.28 0.20
Q4 2011 777.85 1.9 % 0.19 - 777.85 0.19
Q1 2012 901.48 21.6 % 0.23 - 901.48 0.23
Q2 2012 914.40 9.4 % 0.23 - 914.40 0.23
Q3 2012 840.03 5.8 % 0.21 - 840.03 0.21
Q4 2012 810.13 4.2 % 0.20 - 810.13 0.20
Q1 2013 950.98 5.5 % 0.24 - 950.98 0.24
Q2 2013 967.91 5.9 % 0.24 - 967.91 0.24
Q3 2013 997.93 18.8 % 0.25 - 997.93 0.25
Q4 2013 1,030.29 27.2 % 0.26 - 1,030.29 0.26
Q1 2014 1,079.45 13.5 % 0.27 - 1,079.45 0.27
Q2 2014 1,136.26 17.4 % 0.28 - 1,136.26 0.28
Q3 2014 1,076.29 7.9 % 0.27 - 1,076.29 0.27
Q4 2014 1,060.41 2.9 % 0.27 - 1,060.41 0.27
Q1 2015 1,171.60 8.5 % 0.29 - 1,171.60 0.29
Q2 2015 1,128.23 (0.7 %) 0.28 266.60 861.63 0.22
Q3 2015 898.55 (16.5 %) 0.22 - 898.55 0.22
Q4 2015 851.10 (19.7 %) 0.21 - 851.10 0.21
Q1 2016 1,173.72 0.2 % 0.29 201.00 972.72 0.24
Q2 2016 1,145.98 1.6 % 0.29 - 1,145.98 0.29
Q3 2016 729.43 (18.8 %) 0.18 - 729.43 0.18
Q4 2016 293.37 (65.5 %) 0.07 - 293.37 0.07
Q1 2017 1,047.36 (10.8 %) 0.26 - 1,047.36 0.26
Q2 2017 847.92 (26.0 %) 0.21 - 847.92 0.21
Q3 2017 1,076.85 47.6 % 0.27 - 1,076.85 0.27
Q4 2017 973.88 232.0 % 0.24 - 973.88 0.24
Q1 2018 916.83 (12.5 %) 0.23 - 916.83 0.23
Q2 2018 842.49 (0.6 %) 0.21 - 842.49 0.21
Q3 2018 945.01 (12.2 %) 0.24 - 945.01 0.24
Q4 2018 387.75 (60.2 %) 0.10 (744.00) 1,131.75 0.28
Q1 2019 1,484.79 61.9 % 0.37 - 1,484.79 0.37
Q2 2019 1,499.75 78.0 % 0.37 - 1,499.75 0.37
Q3 2019 1,506.35 59.4 % 0.38 - 1,506.35 0.38
Q4 2019 1,111.18 186.6 % 0.28 - 1,111.18 0.28
Q1 2020 1,476.43 (0.6 %) 0.37 - 1,476.43 0.37
Q2 2020 1,063.05 (29.1 %) 0.27 - 1,063.05 0.27
Q3 2020 1,295.98 (14.0 %) 0.32 - 1,295.98 0.32
Q4 2020 879.54 (20.8 %) 0.22 - 879.54 0.22
Q1 2021 1,353.62 (8.3 %) 0.34 - 1,353.62 0.34
Q2 2021 1,511.60 42.2 % 0.38 - 1,511.60 0.38
Q3 2021 1,542.81 19.0 % 0.39 - 1,542.81 0.39
Q4 2021 1,617.36 83.9 % 0.40 - 1,617.36 0.40
Q1 2022 1,552.59 14.7 % 0.39 - 1,552.59 0.39
Q2 2022 1,611.23 6.6 % 0.40 - 1,611.23 0.40
Q3 2022 1,827.67 18.5 % 0.46 - 1,827.67 0.46
Q4 2022 2,027.83 25.4 % 0.51 - 2,027.83 0.51
Q1 2023 2,019.59 30.1 % 0.50 - 2,019.59 0.50
Q2 2023 1,982.32 23.0 % 0.50 - 1,982.32 0.50
Q3 2023 2,089.37 14.3 % 0.52 - 2,089.37 0.52
Q4 2023 1,954.56 (3.6 %) 0.49 - 1,954.56 0.49
Q1 2024 2,072.72 2.6 % 0.52 - 2,072.72 0.52
Q2 2024 2,337.70 17.9 % 0.58 - 2,337.70 0.58
Q3 2024 2,654.09 27.0 % 0.66 - 2,654.09 0.66
Q4 2024 2,257.38 15.5 % 0.56 - 2,257.38 0.56
Q1 2025 2,486.01 19.9 % 0.62 - 2,486.01 0.62
Q2 2025 2,596.62 11.1 % 0.65 - 2,596.62 0.65
Q3 2025 2,687.40 1.3 % 0.67 - 2,687.40 0.67


Balance Sheet (Billion Riyal)

Period Assets Change Customer Deposits Change Loan Change
Q1 2003 67.78 - 44.04 - 24.82 -
Q2 2003 68.11 - 42.87 - 25.55 -
Q3 2003 69.97 - 44.91 - 27.20 -
Q4 2003 71.51 - 45.88 - 27.95 -
Q1 2004 72.55 7.0 % 44.84 1.8 % 29.14 17.4 %
Q2 2004 72.75 6.8 % 46.34 8.1 % 30.53 19.5 %
Q3 2004 73.22 4.6 % 47.48 5.7 % 31.98 17.6 %
Q4 2004 74.25 3.8 % 49.74 8.4 % 33.94 21.4 %
Q1 2005 80.21 10.5 % 57.18 27.5 % 36.10 23.9 %
Q2 2005 77.29 6.3 % 54.55 17.7 % 39.93 30.8 %
Q3 2005 78.26 6.9 % 55.00 15.8 % 41.15 28.7 %
Q4 2005 80.08 7.9 % 52.73 6.0 % 45.61 34.4 %
Q1 2006 86.95 8.4 % 60.87 6.5 % 49.04 35.9 %
Q2 2006 92.41 19.6 % 68.58 25.7 % 50.08 25.4 %
Q3 2006 91.37 16.7 % 68.97 25.4 % 50.56 22.9 %
Q4 2006 94.02 17.4 % 69.19 31.2 % 52.18 14.4 %
Q1 2007 94.18 8.3 % 71.35 17.2 % 52.71 7.5 %
Q2 2007 98.45 6.5 % 71.99 5.0 % 57.18 14.2 %
Q3 2007 105.28 15.2 % 76.40 10.8 % 64.84 28.2 %
Q4 2007 121.35 29.1 % 84.33 21.9 % 67.34 29.0 %
Q1 2008 134.35 42.7 % 96.75 35.6 % 70.82 34.4 %
Q2 2008 144.13 46.4 % 88.47 22.9 % 82.30 43.9 %
Q3 2008 145.15 37.9 % 87.66 14.7 % 90.10 39.0 %
Q4 2008 159.65 31.6 % 105.06 24.6 % 96.43 43.2 %
Q1 2009 167.22 24.5 % 119.20 23.2 % 100.17 41.4 %
Q2 2009 172.77 19.9 % 122.07 38.0 % 104.58 27.1 %
Q3 2009 175.68 21.0 % 119.46 36.3 % 106.06 17.7 %
Q4 2009 176.40 10.5 % 125.28 19.2 % 106.51 10.5 %
Q1 2010 174.29 4.2 % 128.11 7.5 % 106.28 6.1 %
Q2 2010 169.34 (2.0 %) 124.10 1.7 % 104.74 0.2 %
Q3 2010 171.72 (2.3 %) 124.24 4.0 % 105.04 (1.0 %)
Q4 2010 173.56 (1.6 %) 126.95 1.3 % 106.03 (0.5 %)
Q1 2011 180.72 3.7 % 133.14 3.9 % 109.36 2.9 %
Q2 2011 177.53 4.8 % 132.40 6.7 % 110.58 5.6 %
Q3 2011 180.37 5.0 % 132.33 6.5 % 112.14 6.8 %
Q4 2011 180.89 4.2 % 139.82 10.1 % 112.97 6.5 %
Q1 2012 183.39 1.5 % 139.54 4.8 % 113.69 4.0 %
Q2 2012 180.64 1.7 % 137.06 3.5 % 115.09 4.1 %
Q3 2012 177.10 (1.8 %) 134.93 2.0 % 115.29 2.8 %
Q4 2012 190.18 5.1 % 146.21 4.6 % 117.47 4.0 %
Q1 2013 186.45 1.7 % 143.96 3.2 % 120.92 6.4 %
Q2 2013 191.63 6.1 % 147.88 7.9 % 126.19 9.6 %
Q3 2013 201.80 13.9 % 154.19 14.3 % 129.90 12.7 %
Q4 2013 205.25 7.9 % 153.20 4.8 % 131.19 11.7 %
Q1 2014 211.41 13.4 % 159.95 11.1 % 136.77 13.1 %
Q2 2014 213.99 11.7 % 160.10 8.3 % 140.77 11.6 %
Q3 2014 217.07 7.6 % 161.64 4.8 % 140.70 8.3 %
Q4 2014 214.59 4.6 % 164.08 7.1 % 133.49 1.8 %
Q1 2015 216.53 2.4 % 165.02 3.2 % 138.04 0.9 %
Q2 2015 222.48 4.0 % 167.07 4.4 % 137.10 (2.6 %)
Q3 2015 216.98 0.0 % 161.12 (0.3 %) 138.46 (1.6 %)
Q4 2015 223.32 4.1 % 167.85 2.3 % 145.07 8.7 %
Q1 2016 227.00 4.8 % 165.76 0.4 % 152.56 10.5 %
Q2 2016 227.78 2.4 % 164.04 (1.8 %) 154.67 12.8 %
Q3 2016 223.47 3.0 % 160.82 (0.2 %) 152.63 10.2 %
Q4 2016 217.62 (2.6 %) 156.68 (6.7 %) 142.91 (1.5 %)
Q1 2017 216.32 (4.7 %) 154.19 (7.0 %) 140.92 (7.6 %)
Q2 2017 218.99 (3.9 %) 156.98 (4.3 %) 141.18 (8.7 %)
Q3 2017 218.22 (2.3 %) 156.05 (3.0 %) 142.07 (6.9 %)
Q4 2017 216.28 (0.6 %) 154.37 (1.5 %) 138.84 (2.8 %)
Q1 2018 213.67 (1.2 %) 151.92 (1.5 %) 141.22 0.2 %
Q2 2018 215.48 (1.6 %) 153.42 (2.3 %) 144.31 2.2 %
Q3 2018 225.97 3.5 % 159.24 2.0 % 145.76 2.6 %
Q4 2018 229.90 6.3 % 169.82 10.0 % 151.02 8.8 %
Q1 2019 239.52 12.1 % 173.49 14.2 % 158.24 12.1 %
Q2 2019 246.12 14.2 % 176.51 15.1 % 161.32 11.8 %
Q3 2019 250.57 10.9 % 177.67 11.6 % 166.28 14.1 %
Q4 2019 265.79 15.6 % 194.52 14.5 % 173.98 15.2 %
Q1 2020 279.70 16.8 % 192.90 11.2 % 182.78 15.5 %
Q2 2020 295.08 19.9 % 199.99 13.3 % 187.65 16.3 %
Q3 2020 308.56 23.1 % 201.29 13.3 % 190.82 14.8 %
Q4 2020 310.09 16.7 % 203.04 4.4 % 191.35 10.0 %
Q1 2021 308.04 10.1 % 198.60 3.0 % 196.44 7.5 %
Q2 2021 317.27 7.5 % 202.45 1.2 % 204.74 9.1 %
Q3 2021 318.66 3.3 % 204.00 1.3 % 210.48 10.3 %
Q4 2021 325.74 5.0 % 211.68 4.3 % 217.29 13.6 %
Q1 2022 348.47 13.1 % 232.42 17.0 % 234.79 19.5 %
Q2 2022 357.95 12.8 % 237.48 17.3 % 239.65 17.0 %
Q3 2022 347.88 9.2 % 235.89 15.6 % 241.59 14.8 %
Q4 2022 359.65 10.4 % 240.01 13.4 % 242.36 11.5 %
Q1 2023 380.62 9.2 % 257.28 10.7 % 251.98 7.3 %
Q2 2023 389.24 8.7 % 272.27 14.7 % 263.15 9.8 %
Q3 2023 377.01 8.4 % 254.72 8.0 % 267.15 10.6 %
Q4 2023 386.85 7.6 % 254.91 6.2 % 274.40 13.2 %
Q1 2024 404.86 6.4 % 270.95 5.3 % 282.85 12.3 %
Q2 2024 405.03 4.1 % 276.01 1.4 % 291.05 10.6 %
Q3 2024 433.82 15.1 % 293.57 15.3 % 305.41 14.3 %
Q4 2024 451.40 16.7 % 306.42 20.2 % 320.09 16.7 %
Q1 2025 466.45 15.2 % 304.09 12.2 % 338.99 19.8 %
Q2 2025 491.82 21.4 % 316.81 14.8 % 354.55 21.8 %
Q3 2025 507.57 17.0 % 325.41 10.8 % 368.55 20.7 %

Profitability

Period Return On Average Assets Return on Average Equity Net Income/Operating profit
Q1 2003 - - -
Q2 2003 - - -
Q3 2003 - - -
Q4 2003 - - 49.81 %
Q1 2004 2.34 % 18.31 % 49.67 %
Q2 2004 2.33 % 18.69 % 51.57 %
Q3 2004 2.50 % 19.62 % 54.58 %
Q4 2004 2.75 % 22.80 % 57.99 %
Q1 2005 2.74 % 22.48 % 60.39 %
Q2 2005 3.39 % 27.49 % 68.26 %
Q3 2005 3.59 % 27.53 % 67.90 %
Q4 2005 3.68 % 28.36 % 67.63 %
Q1 2006 3.81 % 31.09 % 68.25 %
Q2 2006 3.46 % 28.92 % 61.79 %
Q3 2006 3.44 % 26.89 % 61.13 %
Q4 2006 3.34 % 25.34 % 59.53 %
Q1 2007 2.97 % 23.90 % 56.67 %
Q2 2007 2.99 % 26.06 % 57.27 %
Q3 2007 2.97 % 24.85 % 57.27 %
Q4 2007 2.80 % 23.92 % 58.27 %
Q1 2008 2.67 % 24.97 % 58.90 %
Q2 2008 2.56 % 16.80 % 59.20 %
Q3 2008 2.32 % 15.30 % 57.39 %
Q4 2008 1.88 % 13.57 % 50.28 %
Q1 2009 1.58 % 12.51 % 43.47 %
Q2 2009 1.52 % 9.17 % 43.07 %
Q3 2009 1.65 % 10.02 % 44.75 %
Q4 2009 1.80 % 11.24 % 50.85 %
Q1 2010 1.92 % 12.32 % 54.84 %
Q2 2010 1.82 % 11.30 % 52.26 %
Q3 2010 1.71 % 10.69 % 48.98 %
Q4 2010 1.61 % 9.83 % 47.23 %
Q1 2011 1.62 % 10.17 % 47.72 %
Q2 2011 1.70 % 10.14 % 48.54 %
Q3 2011 1.78 % 10.82 % 50.94 %
Q4 2011 1.78 % 10.61 % 50.18 %
Q1 2012 1.82 % 11.18 % 51.77 %
Q2 2012 1.89 % 11.16 % 51.12 %
Q3 2012 1.92 % 11.34 % 51.08 %
Q4 2012 1.87 % 11.16 % 51.07 %
Q1 2013 1.90 % 11.31 % 51.19 %
Q2 2013 1.92 % 11.40 % 51.89 %
Q3 2013 1.97 % 11.72 % 53.63 %
Q4 2013 2.00 % 11.99 % 55.80 %
Q1 2014 2.05 % 12.43 % 55.97 %
Q2 2014 2.09 % 12.97 % 56.13 %
Q3 2014 2.06 % 12.82 % 55.33 %
Q4 2014 2.07 % 12.54 % 54.33 %
Q1 2015 2.08 % 12.61 % 54.69 %
Q2 2015 2.03 % 12.61 % 55.92 %
Q3 2015 1.96 % 12.06 % 54.56 %
Q4 2015 1.85 % 11.24 % 52.59 %
Q1 2016 1.83 % 10.95 % 54.47 %
Q2 2016 1.81 % 11.00 % 53.80 %
Q3 2016 1.77 % 10.71 % 51.62 %
Q4 2016 1.52 % 9.09 % 44.56 %
Q1 2017 1.45 % 8.67 % 41.65 %
Q2 2017 1.31 % 7.88 % 38.00 %
Q3 2017 1.48 % 8.74 % 41.33 %
Q4 2017 1.82 % 10.44 % 48.56 %
Q1 2018 1.77 % 10.43 % 46.26 %
Q2 2018 1.75 % 10.36 % 45.16 %
Q3 2018 1.66 % 9.89 % 42.56 %
Q4 2018 1.39 % 8.20 % 34.48 %
Q1 2019 1.62 % 9.92 % 38.86 %
Q2 2019 1.87 % 11.31 % 43.55 %
Q3 2019 2.05 % 12.84 % 46.93 %
Q4 2019 2.26 % 14.49 % 52.27 %
Q1 2020 2.15 % 14.83 % 50.75 %
Q2 2020 1.91 % 12.86 % 46.62 %
Q3 2020 1.77 % 12.08 % 44.48 %
Q4 2020 1.64 % 11.10 % 42.08 %
Q1 2021 1.56 % 11.20 % 41.21 %
Q2 2021 1.65 % 11.81 % 44.17 %
Q3 2021 1.69 % 11.92 % 46.35 %
Q4 2021 1.90 % 13.15 % 52.09 %
Q1 2022 1.90 % 13.49 % 52.55 %
Q2 2022 1.87 % 13.87 % 52.27 %
Q3 2022 1.98 % 14.24 % 51.61 %
Q4 2022 2.05 % 14.49 % 51.62 %
Q1 2023 2.05 % 15.38 % 51.51 %
Q2 2023 2.10 % 16.07 % 51.50 %
Q3 2023 2.24 % 16.63 % 51.68 %
Q4 2023 2.16 % 15.58 % 50.61 %
Q1 2024 2.06 % 15.76 % 50.78 %
Q2 2024 2.13 % 15.82 % 52.86 %
Q3 2024 2.22 % 16.72 % 54.46 %
Q4 2024 2.22 % 16.54 % 53.93 %
2024 2.22 % 16.54 % 53.93 %
Q1 2025 2.23 % 16.92 % 55.00 %
Q2 2025 2.23 % 17.06 % 54.84 %
Q3 2025 2.13 % 16.91 % 54.58 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2003 64.98 % 36.61 % 56.34 %
Q2 2003 62.94 % 37.51 % 59.60 %
Q3 2003 64.18 % 38.87 % 60.56 %
Q4 2003 64.16 % 39.09 % 60.93 %
Q1 2004 61.80 % 40.16 % 64.98 %
Q2 2004 63.70 % 41.97 % 65.89 %
Q3 2004 64.85 % 43.68 % 67.35 %
Q4 2004 67.00 % 45.72 % 68.24 %
Q1 2005 71.29 % 45.01 % 63.13 %
Q2 2005 70.58 % 51.66 % 73.19 %
Q3 2005 70.28 % 52.58 % 74.81 %
Q4 2005 65.85 % 56.95 % 86.49 %
Q1 2006 70.01 % 56.40 % 80.56 %
Q2 2006 74.21 % 54.19 % 73.03 %
Q3 2006 75.49 % 55.34 % 73.31 %
Q4 2006 73.60 % 55.50 % 75.42 %
Q1 2007 75.76 % 55.97 % 73.87 %
Q2 2007 73.13 % 58.08 % 79.43 %
Q3 2007 72.57 % 61.59 % 84.88 %
Q4 2007 69.49 % 55.49 % 79.85 %
Q1 2008 72.01 % 52.71 % 73.20 %
Q2 2008 61.38 % 57.10 % 93.02 %
Q3 2008 60.39 % 62.07 % 102.78 %
Q4 2008 65.80 % 60.40 % 91.79 %
Q1 2009 71.29 % 59.91 % 84.04 %
Q2 2009 70.66 % 60.53 % 85.67 %
Q3 2009 68.00 % 60.37 % 88.78 %
Q4 2009 71.02 % 60.38 % 85.02 %
Q1 2010 73.50 % 60.98 % 82.96 %
Q2 2010 73.29 % 61.86 % 84.40 %
Q3 2010 72.35 % 61.17 % 84.55 %
Q4 2010 73.14 % 61.10 % 83.53 %
Q1 2011 73.67 % 60.51 % 82.14 %
Q2 2011 74.58 % 62.28 % 83.51 %
Q3 2011 73.37 % 62.17 % 84.74 %
Q4 2011 77.30 % 62.45 % 80.80 %
Q1 2012 76.09 % 62.00 % 81.48 %
Q2 2012 75.87 % 63.71 % 83.97 %
Q3 2012 76.19 % 65.10 % 85.44 %
Q4 2012 76.88 % 61.77 % 80.34 %
Q1 2013 77.21 % 64.85 % 83.99 %
Q2 2013 77.17 % 65.85 % 85.33 %
Q3 2013 76.41 % 64.37 % 84.25 %
Q4 2013 74.64 % 63.92 % 85.63 %
Q1 2014 75.66 % 64.70 % 85.51 %
Q2 2014 74.82 % 65.78 % 87.93 %
Q3 2014 74.47 % 64.82 % 87.05 %
Q4 2014 76.46 % 62.21 % 81.36 %
Q1 2015 76.21 % 63.75 % 83.65 %
Q2 2015 75.10 % 61.62 % 82.06 %
Q3 2015 74.26 % 63.82 % 85.94 %
Q4 2015 75.16 % 64.96 % 86.42 %
Q1 2016 73.02 % 67.21 % 92.04 %
Q2 2016 72.02 % 67.90 % 94.28 %
Q3 2016 71.96 % 68.30 % 94.91 %
Q4 2016 72.00 % 65.67 % 91.21 %
Q1 2017 71.28 % 65.14 % 91.39 %
Q2 2017 71.68 % 64.47 % 89.94 %
Q3 2017 71.51 % 65.10 % 91.04 %
Q4 2017 71.37 % 64.19 % 89.94 %
Q1 2018 71.10 % 66.09 % 92.96 %
Q2 2018 71.20 % 66.97 % 94.06 %
Q3 2018 70.47 % 64.51 % 91.53 %
Q4 2018 73.87 % 65.69 % 88.93 %
Q1 2019 72.43 % 66.07 % 91.21 %
Q2 2019 71.72 % 65.55 % 91.40 %
Q3 2019 70.91 % 66.36 % 93.59 %
Q4 2019 73.19 % 65.46 % 89.44 %
Q1 2020 68.97 % 65.35 % 94.75 %
Q2 2020 67.77 % 63.59 % 93.83 %
Q3 2020 65.24 % 61.84 % 94.80 %
Q4 2020 65.48 % 61.71 % 94.24 %
Q1 2021 64.47 % 63.77 % 98.91 %
Q2 2021 63.81 % 64.53 % 101.13 %
Q3 2021 64.02 % 66.05 % 103.18 %
Q4 2021 64.98 % 66.71 % 102.65 %
Q1 2022 66.70 % 67.38 % 101.02 %
Q2 2022 66.34 % 66.95 % 100.92 %
Q3 2022 67.81 % 69.44 % 102.41 %
Q4 2022 66.73 % 67.39 % 100.98 %
Q1 2023 67.59 % 66.20 % 97.94 %
Q2 2023 69.95 % 67.61 % 96.65 %
Q3 2023 67.56 % 70.86 % 104.88 %
Q4 2023 65.89 % 70.93 % 107.65 %
Q1 2024 66.92 % 69.86 % 104.39 %
Q2 2024 68.15 % 71.86 % 105.45 %
Q3 2024 67.67 % 70.40 % 104.03 %
Q4 2024 67.88 % 70.91 % 104.46 %
Q1 2025 65.19 % 72.67 % 111.48 %
Q2 2025 64.42 % 72.09 % 111.91 %
Q3 2025 64.11 % 72.61 % 113.26 %


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 2003 2,050.43 - - - 4.33
Q2 2003 2,050.43 - - - 4.29
Q3 2003 2,050.43 - - - 4.34
Q4 2003 2,050.43 0.78 0.78 0.78 4.17
Q1 2004 2,050.43 0.80 0.80 0.80 4.42
Q2 2004 2,050.43 0.80 0.80 0.80 4.27
Q3 2004 2,050.43 0.87 0.87 0.87 4.55
Q4 2004 2,050.43 0.98 0.98 0.98 4.41
Q1 2005 2,563.03 0.82 0.82 0.97 3.73
Q2 2005 2,563.03 0.99 0.88 1.10 3.80
Q3 2005 2,563.03 1.06 0.94 1.12 4.05
Q4 2005 2,563.03 1.11 0.99 1.11 4.28
Q1 2006 3,203.79 1.00 0.90 1.18 3.42
Q2 2006 3,203.79 0.92 0.92 1.02 3.29
Q3 2006 3,203.79 0.91 0.91 0.97 3.52
Q4 2006 3,203.79 0.91 0.91 0.91 3.74
Q1 2007 3,203.79 0.84 0.84 0.84 3.61
Q2 2007 3,203.79 0.89 0.89 0.89 3.55
Q3 2007 3,203.79 0.91 0.91 0.91 3.81
Q4 2007 3,203.79 0.94 0.94 0.94 4.12
Q1 2008 3,203.79 0.95 0.95 0.95 4.01
Q2 2008 4,000.00 0.78 0.78 0.91 6.40
Q3 2008 4,000.00 0.73 0.73 0.82 6.43
Q4 2008 4,000.00 0.66 0.66 0.70 6.42
Q1 2009 4,000.00 0.60 0.60 0.60 6.34
Q2 2009 4,000.00 0.60 0.60 0.60 6.69
Q3 2009 4,000.00 0.66 0.66 0.66 6.79
Q4 2009 4,000.00 0.76 0.76 0.76 7.06
Q1 2010 4,000.00 0.82 0.82 0.82 6.95
Q2 2010 4,000.00 0.78 0.78 0.78 7.12
Q3 2010 4,000.00 0.74 0.74 0.74 7.12
Q4 2010 4,000.00 0.71 0.71 0.71 7.31
Q1 2011 4,000.00 0.72 0.72 0.72 7.22
Q2 2011 4,000.00 0.74 0.74 0.74 7.44
Q3 2011 4,000.00 0.78 0.78 0.78 7.38
Q4 2011 4,000.00 0.79 0.79 0.79 7.54
Q1 2012 4,000.00 0.83 0.83 0.83 7.58
Q2 2012 4,000.00 0.85 0.85 0.85 7.74
Q3 2012 4,000.00 0.86 0.86 0.86 7.76
Q4 2012 4,000.00 0.87 0.87 0.87 7.99
Q1 2013 4,000.00 0.88 0.88 0.88 7.96
Q2 2013 4,000.00 0.89 0.89 0.89 7.91
Q3 2013 4,000.00 0.93 0.93 0.93 8.14
Q4 2013 4,000.00 0.99 0.99 0.99 8.47
Q1 2014 4,000.00 1.02 1.02 1.02 8.44
Q2 2014 4,000.00 1.06 1.06 1.06 8.45
Q3 2014 4,000.00 1.08 1.08 1.08 8.72
Q4 2014 4,000.00 1.09 1.09 1.09 8.88
Q1 2015 4,000.00 1.11 1.11 1.11 9.19
Q2 2015 4,000.00 1.11 1.04 1.11 9.14
Q3 2015 4,000.00 1.06 1.00 1.06 8.94
Q4 2015 4,000.00 1.01 0.95 1.01 9.14
Q1 2016 4,000.00 1.01 0.90 1.01 9.31
Q2 2016 4,000.00 1.02 0.97 1.02 9.35
Q3 2016 4,000.00 0.98 0.92 0.98 9.26
Q4 2016 4,000.00 0.84 0.79 0.84 9.24
Q1 2017 4,000.00 0.80 0.80 0.80 9.24
Q2 2017 4,000.00 0.73 0.73 0.73 9.16
Q3 2017 4,000.00 0.82 0.82 0.82 9.42
Q4 2017 4,000.00 0.99 0.99 0.99 9.66
Q1 2018 4,000.00 0.95 0.95 0.95 9.04
Q2 2018 4,000.00 0.95 0.95 0.95 9.23
Q3 2018 4,000.00 0.92 0.92 0.92 9.19
Q4 2018 4,000.00 0.77 0.96 0.77 9.19
Q1 2019 4,000.00 0.92 1.10 0.92 9.41
Q2 2019 4,000.00 1.08 1.27 1.08 9.86
Q3 2019 4,000.00 1.22 1.41 1.22 9.81
Q4 2019 4,000.00 1.40 1.40 1.40 10.14
Q1 2020 4,000.00 1.40 1.40 1.40 9.45
Q2 2020 4,000.00 1.29 1.29 1.29 10.20
Q3 2020 4,000.00 1.24 1.24 1.24 10.66
Q4 2020 4,000.00 1.18 1.18 1.18 11.09
Q1 2021 4,000.00 1.15 1.15 1.15 11.06
Q2 2021 4,000.00 1.26 1.26 1.26 11.14
Q3 2021 4,000.00 1.32 1.32 1.32 11.51
Q4 2021 4,000.00 1.51 1.51 1.51 11.82
Q1 2022 4,000.00 1.56 1.56 1.55 12.01
Q2 2022 4,000.00 1.58 1.58 1.57 11.66
Q3 2022 4,000.00 1.65 1.65 1.63 11.69
Q4 2022 4,000.00 1.75 1.75 1.74 12.40
Q1 2023 4,000.00 1.87 1.87 1.84 12.32
Q2 2023 4,000.00 1.96 1.96 1.92 12.78
Q3 2023 4,000.00 2.03 2.03 1.97 12.72
Q4 2023 4,000.00 2.01 2.01 1.93 13.42
Q1 2024 4,000.00 2.02 2.02 1.95 13.38
Q2 2024 4,000.00 2.11 2.11 2.03 13.95
Q3 2024 4,000.00 2.25 2.25 2.16 14.26
Q4 2024 4,000.00 2.33 2.33 2.25 14.75
Q1 2025 4,000.00 2.43 2.43 2.35 15.40
Q2 2025 4,000.00 2.50 2.50 2.40 15.35
Q3 2025 4,000.00 2.51 2.51 2.40 15.39

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Recurring P/E Price/book
Q1 2003 - - 3.18
Q2 2003 - - 3.71
Q3 2003 - - 3.85
Q4 2003 11.20 11.20 4.07
Q1 2004 11.80 11.80 4.17
Q2 2004 13.12 13.12 4.79
Q3 2004 12.56 12.56 4.70
Q4 2004 15.32 15.32 6.63
Q1 2005 17.87 17.87 7.25
Q2 2005 22.96 25.98 10.36
Q3 2005 21.08 23.65 9.06
Q4 2005 23.98 26.77 9.69
Q1 2006 20.84 22.98 8.95
Q2 2006 19.08 19.08 7.40
Q3 2006 15.16 15.16 5.18
Q4 2006 13.87 13.87 4.20
Q1 2007 12.90 12.90 3.75
Q2 2007 11.76 11.76 3.69
Q3 2007 12.95 12.95 3.87
Q4 2007 19.72 19.72 5.62
Q1 2008 16.21 16.21 4.80
Q2 2008 14.58 14.58 2.08
Q3 2008 14.36 14.36 1.83
Q4 2008 11.32 11.32 1.24
Q1 2009 12.87 12.87 1.21
Q2 2009 15.35 15.35 1.38
Q3 2009 16.94 16.94 1.65
Q4 2009 13.32 13.32 1.43
Q1 2010 13.98 13.98 1.65
Q2 2010 13.51 13.51 1.48
Q3 2010 14.28 14.28 1.49
Q4 2010 14.13 14.13 1.37
Q1 2011 13.75 13.75 1.37
Q2 2011 12.03 12.03 1.19
Q3 2011 11.32 11.32 1.20
Q4 2011 11.10 11.10 1.16
Q1 2012 11.69 11.69 1.28
Q2 2012 10.18 10.18 1.11
Q3 2012 9.92 9.92 1.10
Q4 2012 9.96 9.96 1.08
Q1 2013 9.77 9.77 1.08
Q2 2013 10.47 10.47 1.18
Q3 2013 10.59 10.59 1.21
Q4 2013 11.10 11.10 1.29
Q1 2014 12.85 12.85 1.55
Q2 2014 12.69 12.69 1.59
Q3 2014 14.65 14.65 1.82
Q4 2014 11.71 11.71 1.43
Q1 2015 11.36 11.36 1.37
Q2 2015 11.27 12.00 1.37
Q3 2015 9.87 10.53 1.18
Q4 2015 9.20 9.85 1.02
Q1 2016 8.33 9.42 0.91
Q2 2016 8.07 8.49 0.88
Q3 2016 7.70 8.12 0.81
Q4 2016 10.37 11.03 0.94
Q1 2017 9.83 9.83 0.86
Q2 2017 11.25 11.25 0.90
Q3 2017 10.80 10.80 0.94
Q4 2017 9.51 9.51 0.97
Q1 2018 10.91 10.91 1.15
Q2 2018 12.81 12.81 1.32
Q3 2018 13.56 13.56 1.36
Q4 2018 19.24 15.50 1.62
Q1 2019 19.76 16.42 1.92
Q2 2019 18.73 15.98 2.05
Q3 2019 15.01 13.02 1.87
Q4 2019 12.86 12.86 1.78
Q1 2020 8.03 8.03 1.19
Q2 2020 9.81 9.81 1.24
Q3 2020 11.31 11.31 1.31
Q4 2020 12.86 12.86 1.37
Q1 2021 14.66 14.66 1.52
Q2 2021 15.78 15.78 1.78
Q3 2021 15.32 15.32 1.76
Q4 2021 13.50 13.50 1.72
Q1 2022 18.17 18.17 2.34
Q2 2022 15.34 15.34 2.07
Q3 2022 14.57 14.57 2.04
Q4 2022 13.71 13.71 1.92
Q1 2023 12.13 12.13 1.81
Q2 2023 13.15 13.15 1.97
Q3 2023 10.55 10.55 1.64
Q4 2023 11.07 11.07 1.59
Q1 2024 11.33 11.33 1.65
Q2 2024 9.50 9.50 1.38
Q3 2024 8.64 8.64 1.31
Q4 2024 9.55 9.55 1.45
Q1 2025 10.53 10.53 1.61
Q2 2025 8.98 8.98 1.40
Q3 2025 8.50 8.50 1.33

Business Segments (Million Riyal)

Compared With The
Period Corporate and Institutional Banking Retail Treasury and Investment Investment Banking and Brokerage Other
Q1 2003 160.00 336.00 97.00 - 161.00
Q2 2003 229.00 360.00 115.00 - 219.00
Q3 2003 25.00 345.00 243.00 - 124.00
Q4 2003 173.55 165.06 136.84 - 306.17
Q1 2004 173.00 387.00 126.00 - 177.00
Q2 2004 225.00 331.00 96.00 - 148.00
Q3 2004 130.00 337.00 149.00 - 218.00
Q4 2004 214.99 537.29 129.54 - 79.55
Q1 2005 197.06 363.98 168.66 - 137.76
Q2 2005 272.37 564.94 158.75 - 360.31
Q3 2005 213.38 544.67 214.61 - 137.25
Q4 2005 187.52 485.83 361.39 - 122.32
Q1 2006 287.69 483.81 452.60 - 119.79
Q2 2006 234.35 714.25 90.42 - 95.49
Q3 2006 383.14 577.96 85.88 - 87.12
Q4 2006 282.60 476.51 366.70 - 147.85
Q1 2007 403.82 511.96 183.86 - 107.37
Q2 2007 518.82 502.76 243.71 - 108.25
Q3 2007 520.89 524.01 106.32 - 95.75
Q4 2007 461.08 561.37 206.98 - 111.17
Q1 2008 597.99 499.80 (72.41) 67.68 119.17
Q2 2008 542.56 485.49 190.47 110.43 117.05
Q3 2008 560.18 462.30 (326.35) 99.38 262.83
Q4 2008 358.14 379.30 391.39 66.94 336.00
Q1 2009 543.46 404.68 112.81 45.18 353.24
Q2 2009 661.63 442.30 53.16 64.67 302.65
Q3 2009 655.93 389.83 (0.25) 46.33 309.00
Q4 2009 657.71 428.86 (31.26) 82.33 437.87
Q1 2010 645.79 396.76 152.93 52.71 221.22
Q2 2010 596.25 441.75 214.00 70.11 205.15
Q3 2010 592.32 442.06 261.22 48.11 154.46
Q4 2010 614.60 375.11 223.17 58.55 214.19
Q1 2011 666.58 454.30 64.92 70.63 270.42
Q2 2011 741.78 516.95 468.40 80.77 (238.22)
Q3 2011 724.26 444.10 274.09 69.30 60.80
Q4 2011 723.67 506.07 262.36 76.83 37.80
Q1 2012 679.04 509.01 230.75 109.10 115.98
Q2 2012 762.63 531.61 415.54 91.62 2.90
Q3 2012 775.24 448.93 263.35 78.57 101.61
Q4 2012 726.82 517.09 240.89 74.23 111.34
Q1 2013 742.94 526.07 318.13 86.74 50.77
Q2 2013 832.84 629.02 258.35 88.54 6.73
Q3 2013 791.26 604.78 255.57 84.63 2.45
Q4 2013 845.08 613.48 209.64 92.89 34.14
Q1 2014 923.48 587.96 269.14 92.29 59.18
Q2 2014 889.64 681.85 334.94 113.23 75.32
Q3 2014 858.09 615.03 349.86 102.37 64.91
Q4 2014 950.36 617.23 242.76 100.75 83.42
Q1 2015 939.86 652.58 326.35 92.89 36.12
Q2 2015 886.75 658.54 251.82 103.87 267.05
Q3 2015 783.54 635.58 374.95 73.52 (5.48)
Q4 2015 758.45 785.92 177.09 92.85 73.72
Q1 2016 784.82 646.82 173.87 71.64 310.02
Q2 2016 689.06 645.57 418.92 81.80 191.64
Q3 2016 678.28 541.65 360.81 60.72 213.42
Q4 2016 711.12 487.81 281.76 68.43 284.12
Q1 2017 841.43 651.85 446.76 67.25 -
Q2 2017 888.49 648.55 366.37 80.51 -
Q3 2017 895.84 679.78 423.44 77.07 -
Q4 2017 845.40 694.78 439.93 77.78 -
Q1 2018 820.77 714.54 505.55 88.69 -
Q2 2018 837.53 720.71 529.62 85.68 -
Q3 2018 857.56 741.72 587.16 94.44 -
Q4 2018 1,036.97 1,020.89 214.08 111.49 -
Q1 2019 1,048.27 785.09 641.41 105.38 -
Q2 2019 1,128.27 964.07 440.48 136.75 -
Q3 2019 1,086.78 984.87 551.55 139.49 -
Q4 2019 975.68 985.51 536.51 206.96 -
Q1 2020 1,081.78 964.01 696.86 142.84 -
Q2 2020 1,052.17 870.68 615.42 170.68 -
Q3 2020 1,160.71 958.91 509.11 192.27 -
Q4 2020 1,006.93 950.85 570.81 261.01 -
Q1 2021 1,104.71 922.74 588.82 207.56 -
Q2 2021 1,144.65 979.06 635.58 218.80 -
Q3 2021 954.48 959.05 723.01 180.05 -
Q4 2021 1,110.56 886.17 586.12 366.48 -
Q1 2022 1,182.29 1,010.37 636.27 272.61 -
Q2 2022 1,358.27 1,103.49 541.60 227.11 -
Q3 2022 2,083.89 1,083.46 125.21 232.56 -
Q4 2022 1,737.37 957.65 752.66 294.56 -
Q1 2023 2,058.53 1,090.83 694.61 192.26 -
Q2 2023 2,135.05 997.33 603.01 216.94 -
Q3 2023 2,135.98 1,022.64 607.01 212.50 -
Q4 2023 2,095.49 976.20 576.28 284.18 -
Q1 2024 2,140.05 1,131.57 589.09 226.98 -
Q2 2024 2,189.13 1,256.98 327.34 223.86 -
Q3 2024 2,228.99 1,234.62 851.72 229.56 -
Q4 2024 2,647.59 1,142.65 568.45 295.95 -
Q1 2025 2,578.32 1,057.70 618.49 249.13 -
Q2 2025 2,597.46 1,037.09 628.20 257.38 -
Q3 2025 2,678.93 1,175.04 582.06 257.29 -

Analysts Estimates (Million Riyal)

Item Profit (Expected) Profit (Actual) Change
Average 2,532.14 2,687.40

Estimates vs Actual (Million Riyal)

Item Profit (Expected) Profit (Actual) Change‬
FAB Securities 2,723.00 2,687.40
SNB Capital 2,648.00 2,687.40
Sico 2,588.00 2,687.40
Citi Bank Group 2,481.00 2,687.40
United Securities Company 2,455.00 2,687.40
UBS Saudi Arabia 2,445.00 2,687.40
Bank of America 2,385.00 2,687.40

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