Alinma Bank Q1 2026 profit up 11% to SAR 1.6B

Alinma Bank reported an 11% increase in net profit to SAR 1.6 billion in Q1 2026, compared to SAR 1.5 billion a year earlier.

Current Quarter Comparison (M)

Compared With The

Item	Q1 2025	Q1 2026	Change‬
Net Income from investments and financial activities	2,282.96	2,475.14	8.4 %
Operating Income	2,813.65	3,009.71	7.0 %
Debt Provisions	(225.95)	(153.63)	32.0 %
Net Income	1,508.01	1,678.53	11.3 %
Average Shares	3,000.00	3,000.00	-
Earnings Per Share before unusual items (Riyal)	0.50	0.56	11.3 %
EPS (Riyal)	0.50	0.56	11.3 %
EPS Diluted (Riyal)	0.45	0.48	8.2 %

Item	Q4 2025	Q1 2026	Change‬
Net Income from investments and financial activities	2,457.32	2,475.14	0.7 %
Operating Income	3,180.40	3,009.71	(5.4 %)
Debt Provisions	(283.37)	(153.63)	45.8 %
Net Income	1,723.87	1,678.53	(2.6 %)
Average Shares	3,000.00	3,000.00	-
Earnings Per Share before unusual items (Riyal)	0.57	0.56	(2.6 %)
EPS (Riyal)	0.57	0.56	(2.6 %)
EPS Diluted (Riyal)	0.54	0.48	(10.6 %)

Growth in earnings was driven by higher income from investments and financing, primarily due to increased financing and investment volumes.

Total operating income rose 7% year-on-year (YoY), supported by higher net financing and investment income and fair value gains on investments, despite a decline in banking fees, foreign exchange income and other operating income.

Expected credit loss expenses declined YoY, mainly due to the onboarding of better-quality new assets and the collection of recoveries from previously written-off accounts.

First-quarter net profit fell 2.6% from SAR 1.72 billion in Q4 2025.

Balance Sheet (B)

Item	3m 2025	3m 2026	Change‬
Assets	287.22	324.29	12.9 %
Customer Deposits	218.84	239.60	9.5 %
Financing Investments	209.43	238.32	13.8 %

Shareholders’ equity, excluding minority interest and adjusting sukuk, stood at SAR 37.1 billion by the end of March 31, 2026, up from SAR 34.2 billion in the year-earlier period.

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Share Price

Alinma Bank (ALINMA)

	Current
Market Cap (M Riyal)	70,560.07
Shares Outstanding ((M))	3,000.00
Recurring EPS ( Riyal) (TTM)	2.19
EPS Diluted ( Riyal) (TTM)	2.01
Book Value (BV) ( Riyal)	12.37
Par Value ( Riyal)	10.00
Recurring P/E	10.74
P/E (TTM)	10.74
Price/book	1.90
Return on Average Assets (%) (TTM)	2.1
Return on Average Equity (%) (TTM)	18.4

Period	Net Income from investments and financial activities	Change	Operating Income	Change	Debt Provisions	Change
Q1 2017	814.43	33.3 %	1,004.85	36.8 %	(124.24)	(853.2 %)
Q2 2017	834.22	33.1 %	1,006.70	22.8 %	(119.54)	(384.0 %)
Q3 2017	877.17	27.6 %	1,062.75	28.2 %	(104.65)	(152.6 %)
Q4 2017	967.21	33.1 %	1,298.66	37.4 %	(210.06)	(81.1 %)
2017	3,493.02	31.7 %	4,372.96	31.4 %	(558.48)	(186.2 %)
Q1 2018	896.28	10.1 %	1,109.76	10.4 %	(89.47)	28.0 %
Q2 2018	942.39	13.0 %	1,231.00	22.3 %	(162.76)	(36.2 %)
Q3 2018	987.21	12.5 %	1,211.70	14.0 %	(98.24)	6.1 %
Q4 2018	971.95	0.5 %	1,292.46	(0.5 %)	(41.92)	80.0 %
2018	3,797.83	8.7 %	4,844.92	10.8 %	(392.80)	29.7 %
Q1 2019	976.43	8.9 %	1,289.64	16.2 %	(65.40)	26.9 %
Q2 2019	1,066.01	13.1 %	1,364.21	10.8 %	(141.66)	13.0 %
Q3 2019	1,138.86	15.4 %	1,440.97	18.9 %	(108.31)	(10.2 %)
Q4 2019	1,141.93	17.5 %	1,515.34	17.2 %	(385.11)	(818.6 %)
2019	4,323.22	13.8 %	5,610.16	15.8 %	(700.48)	(78.3 %)
Q1 2020	1,121.16	14.8 %	1,259.28	(2.4 %)	(358.69)	(448.5 %)
Q2 2020	1,127.30	5.8 %	1,332.41	(2.3 %)	(192.79)	(36.1 %)
Q3 2020	1,185.15	4.1 %	1,479.84	2.7 %	(231.00)	(113.3 %)
Q4 2020	1,214.21	6.3 %	1,610.11	6.3 %	(636.70)	(65.3 %)
2020	4,647.82	7.5 %	5,681.64	1.3 %	(1,419.18)	(102.6 %)
Q1 2021	1,206.64	7.6 %	1,604.24	27.4 %	(346.77)	3.3 %
Q2 2021	1,231.43	9.2 %	1,653.14	24.1 %	(336.80)	(74.7 %)
Q3 2021	1,392.89	17.5 %	1,722.06	16.4 %	(279.06)	(20.8 %)
Q4 2021	1,309.43	7.8 %	1,680.16	4.4 %	(288.98)	54.6 %
2021	5,140.39	10.6 %	6,659.59	17.2 %	(1,251.60)	11.8 %
Q1 2022	1,311.57	8.7 %	1,807.61	12.7 %	(241.02)	30.5 %
Q2 2022	1,413.49	14.8 %	1,932.14	16.9 %	(248.35)	26.3 %
Q3 2022	1,673.65	20.2 %	2,075.43	20.5 %	(272.53)	2.3 %
Q4 2022	1,667.81	27.4 %	2,147.89	27.8 %	(435.79)	(50.8 %)
2022	6,066.47	18.0 %	7,963.06	19.6 %	(1,197.70)	4.3 %
Q1 2023	1,734.76	32.3 %	2,179.41	20.6 %	(337.03)	(39.8 %)
Q2 2023	1,859.68	31.6 %	2,436.87	26.1 %	(325.54)	(31.1 %)
Q3 2023	2,005.90	19.9 %	2,540.64	22.4 %	(300.99)	(10.4 %)
Q4 2023	2,054.17	23.2 %	2,568.74	19.6 %	(308.54)	29.2 %
2023	7,654.51	26.2 %	9,725.66	22.1 %	(1,272.10)	(6.2 %)
Q1 2024	2,011.96	16.0 %	2,564.50	17.7 %	(266.18)	21.0 %
Q2 2024	2,150.76	15.7 %	2,745.73	12.7 %	(319.81)	1.8 %
Q3 2024	2,220.17	10.7 %	2,815.20	10.8 %	(211.56)	29.7 %
Q4 2024	2,265.74	10.3 %	2,814.64	9.6 %	(252.27)	18.2 %
2024	8,648.63	13.0 %	10,940.08	12.5 %	(1,049.81)	17.5 %
Q1 2025	2,282.96	13.5 %	2,813.65	9.7 %	(225.95)	15.1 %
Q2 2025	2,271.84	5.6 %	2,946.63	7.3 %	(274.20)	14.3 %
Q3 2025	2,364.60	6.5 %	2,964.65	5.3 %	(246.85)	(16.7 %)
Q4 2025	2,457.32	8.5 %	3,180.40	13.0 %	(283.37)	(12.3 %)
2025	9,376.72	8.4 %	11,905.33	8.8 %	(1,030.37)	1.9 %
Q1 2026	2,475.14	8.4 %	3,009.71	7.0 %	(153.63)	32.0 %

Period	Net Income from investments and financial activities	Change	Operating Income	Change	Debt Provisions	Change
2016	2,652.10	16.4 %	3,327.80	8.7 %	(195.15)	0.5 %
2017	3,493.02	31.7 %	4,372.96	31.4 %	(558.48)	(186.2 %)
2018	3,797.83	8.7 %	4,844.92	10.8 %	(392.80)	29.7 %
2019	4,323.22	13.8 %	5,610.16	15.8 %	(700.48)	(78.3 %)
2020	4,647.82	7.5 %	5,681.64	1.3 %	(1,419.18)	(102.6 %)
2021	5,140.39	10.6 %	6,659.59	17.2 %	(1,251.60)	11.8 %
2022	6,066.47	18.0 %	7,963.06	19.6 %	(1,197.70)	4.3 %
2023	7,654.51	26.2 %	9,725.66	22.1 %	(1,272.10)	(6.2 %)
2024	8,648.63	13.0 %	10,940.08	12.5 %	(1,049.81)	17.5 %
2025	9,376.72	8.4 %	11,905.33	8.8 %	(1,030.37)	1.9 %

Profit Performance (Million)

Period	Net Income	Change	EPS(Riyal)	Extraordinary Income/Expense	Net Profit Before Unusual Items	EPS(Riyal)
Q1 2017	421.32	7.7 %	0.14	-	421.32	0.14
Q2 2017	488.22	19.3 %	0.16	-	488.22	0.16
Q3 2017	541.76	73.9 %	0.18	-	541.76	0.18
Q4 2017	560.05	43.5 %	0.19	-	560.05	0.19
2017	2,011.36	33.9 %	0.67	-	2,011.36	0.67
Q1 2018	567.27	34.6 %	0.19	-	567.27	0.19
Q2 2018	605.79	24.1 %	0.20	-	605.79	0.20
Q3 2018	636.93	17.6 %	0.21	-	636.93	0.21
Q4 2018	1,046.96	86.9 %	0.35	556.58	490.38	0.16
2018	2,856.95	42.0 %	0.95	556.58	2,300.37	0.77
Q1 2019	637.84	12.4 %	0.21	-	637.84	0.21
Q2 2019	675.67	11.5 %	0.23	-	675.67	0.23
Q3 2019	712.78	11.9 %	0.24	-	712.78	0.24
Q4 2019	508.53	(51.4 %)	0.17	-	508.53	0.17
2019	2,534.81	(11.3 %)	0.84	-	2,534.81	0.84
Q1 2020	370.27	(41.9 %)	0.12	-	370.27	0.12
Q2 2020	572.49	(15.3 %)	0.19	-	572.49	0.19
Q3 2020	629.25	(11.7 %)	0.21	-	629.25	0.21
Q4 2020	393.99	(22.5 %)	0.13	-	393.99	0.13
2020	1,965.99	(22.4 %)	0.66	-	1,965.99	0.66
Q1 2021	641.84	73.3 %	0.21	-	641.84	0.21
Q2 2021	710.33	24.1 %	0.24	-	710.33	0.24
Q3 2021	738.09	17.3 %	0.25	-	738.09	0.25
Q4 2021	619.13	57.1 %	0.21	-	619.13	0.21
2021	2,709.39	37.8 %	0.90	-	2,709.39	0.90
Q1 2022	824.75	28.5 %	0.27	-	824.75	0.27
Q2 2022	925.09	30.2 %	0.31	-	925.09	0.31
Q3 2022	989.03	34.0 %	0.33	-	989.03	0.33
Q4 2022	860.28	38.9 %	0.29	-	860.28	0.29
2022	3,599.14	32.8 %	1.20	-	3,599.14	1.20
Q1 2023	969.89	17.6 %	0.32	-	969.89	0.32
Q2 2023	1,225.08	32.4 %	0.41	-	1,225.08	0.41
Q3 2023	1,323.90	33.9 %	0.44	-	1,323.90	0.44
Q4 2023	1,320.34	53.5 %	0.44	-	1,320.34	0.44
2023	4,839.21	34.5 %	1.61	-	4,839.21	1.61
Q1 2024	1,314.73	35.6 %	0.44	-	1,314.73	0.44
Q2 2024	1,416.57	15.6 %	0.47	-	1,416.57	0.47
Q3 2024	1,571.46	18.7 %	0.52	-	1,571.46	0.52
Q4 2024	1,528.90	15.8 %	0.51	-	1,528.90	0.51
2024	5,831.66	20.5 %	1.94	-	5,831.66	1.94
Q1 2025	1,508.01	14.7 %	0.50	-	1,508.01	0.50
Q2 2025	1,573.26	11.1 %	0.52	-	1,573.26	0.52
Q3 2025	1,592.02	1.3 %	0.53	-	1,592.02	0.53
Q4 2025	1,723.87	12.8 %	0.57	-	1,723.87	0.57
2025	6,397.15	9.7 %	2.13	-	6,397.15	2.13
Q1 2026	1,678.53	11.3 %	0.56	-	1,678.53	0.56

Period	Net Income	Change	EPS(Riyal)	Extraordinary Income/Expense	Net Profit Before Unusual Items	EPS(Riyal)
2016	1,502.27	2.2 %	0.50	-	1,502.27	0.50
2017	2,011.36	33.9 %	0.67	-	2,011.36	0.67
2018	2,856.95	42.0 %	0.95	556.58	2,300.37	0.77
2019	2,534.81	(11.3 %)	0.84	-	2,534.81	0.84
2020	1,965.99	(22.4 %)	0.66	-	1,965.99	0.66
2021	2,709.39	37.8 %	0.90	-	2,709.39	0.90
2022	3,599.14	32.8 %	1.20	-	3,599.14	1.20
2023	4,839.21	34.5 %	1.61	-	4,839.21	1.61
2024	5,831.66	20.5 %	1.94	-	5,831.66	1.94
2025	6,397.15	9.7 %	2.13	-	6,397.15	2.13

Balance Sheet (B)

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
Q1 2017	105.08	14.7 %	81.45	18.4 %	73.54	22.1 %
Q2 2017	111.18	13.2 %	85.78	15.7 %	76.96	15.8 %
Q3 2017	111.12	8.0 %	87.23	12.8 %	77.81	12.3 %
Q4 2017	114.75	9.6 %	89.06	10.5 %	79.06	12.4 %
Q1 2018	113.94	8.4 %	89.34	9.7 %	79.01	7.4 %
Q2 2018	116.78	5.0 %	88.94	3.7 %	82.13	6.7 %
Q3 2018	120.21	8.2 %	89.87	3.0 %	83.17	6.9 %
Q4 2018	121.54	5.9 %	90.13	1.2 %	83.89	6.1 %
Q1 2019	121.79	6.9 %	92.26	3.3 %	85.88	8.7 %
Q2 2019	123.48	5.7 %	92.82	4.4 %	87.67	6.7 %
Q3 2019	128.01	6.5 %	99.84	11.1 %	90.78	9.2 %
Q4 2019	131.84	8.5 %	102.06	13.2 %	94.80	13.0 %
Q1 2020	138.02	13.3 %	103.87	12.6 %	97.78	13.9 %
Q2 2020	142.20	15.2 %	107.42	15.7 %	103.18	17.7 %
Q3 2020	147.85	15.5 %	111.32	11.5 %	105.33	16.0 %
Q4 2020	156.88	19.0 %	119.45	17.0 %	111.20	17.3 %
Q1 2021	159.95	15.9 %	120.71	16.2 %	117.15	19.8 %
Q2 2021	164.06	15.4 %	125.88	17.2 %	119.62	15.9 %
Q3 2021	166.81	12.8 %	116.65	4.8 %	121.32	15.2 %
Q4 2021	173.48	10.6 %	121.06	1.3 %	126.27	13.6 %
Q1 2022	179.52	12.2 %	128.04	6.1 %	128.97	10.1 %
Q2 2022	184.62	12.5 %	130.38	3.6 %	131.19	9.7 %
Q3 2022	193.23	15.8 %	132.05	13.2 %	139.99	15.4 %
Q4 2022	200.44	15.5 %	145.17	19.9 %	146.49	16.0 %
Q1 2023	213.75	19.1 %	159.95	24.9 %	153.15	18.8 %
Q2 2023	226.90	22.9 %	177.87	36.4 %	161.77	23.3 %
Q3 2023	232.59	20.4 %	180.23	36.5 %	169.06	20.8 %
Q4 2023	236.72	18.1 %	187.90	29.4 %	173.62	18.5 %
Q1 2024	244.86	14.6 %	188.99	18.2 %	180.70	18.0 %
Q2 2024	260.14	14.6 %	205.36	15.5 %	189.91	17.4 %
Q3 2024	266.98	14.8 %	209.14	16.0 %	195.90	15.9 %
Q4 2024	276.83	16.9 %	210.54	12.1 %	202.31	16.5 %
Q1 2025	287.22	17.3 %	218.84	15.8 %	209.43	15.9 %
Q2 2025	297.22	14.3 %	229.94	12.0 %	218.60	15.1 %
Q3 2025	307.21	15.1 %	234.62	12.2 %	225.68	15.2 %
Q4 2025	311.07	12.4 %	227.37	8.0 %	229.75	13.6 %
Q1 2026	324.29	12.9 %	239.60	9.5 %	238.32	13.8 %

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
3m 2017	105.08	14.7 %	81.45	18.4 %	73.54	22.1 %
6m 2017	111.18	13.2 %	85.78	15.7 %	76.96	15.8 %
9m 2017	111.12	8.0 %	87.23	12.8 %	77.81	12.3 %
12m 2017	114.75	9.6 %	89.06	10.5 %	79.06	12.4 %
3m 2018	113.94	8.4 %	89.34	9.7 %	79.01	7.4 %
6m 2018	116.78	5.0 %	88.94	3.7 %	82.13	6.7 %
9m 2018	120.21	8.2 %	89.87	3.0 %	83.17	6.9 %
12m 2018	121.54	5.9 %	90.13	1.2 %	83.89	6.1 %
3m 2019	121.79	6.9 %	92.26	3.3 %	85.88	8.7 %
6m 2019	123.48	5.7 %	92.82	4.4 %	87.67	6.7 %
9m 2019	128.01	6.5 %	99.84	11.1 %	90.78	9.2 %
12m 2019	131.84	8.5 %	102.06	13.2 %	94.80	13.0 %
3m 2020	138.02	13.3 %	103.87	12.6 %	97.78	13.9 %
6m 2020	142.20	15.2 %	107.42	15.7 %	103.18	17.7 %
9m 2020	147.85	15.5 %	111.32	11.5 %	105.33	16.0 %
12m 2020	156.88	19.0 %	119.45	17.0 %	111.20	17.3 %
3m 2021	159.95	15.9 %	120.71	16.2 %	117.15	19.8 %
6m 2021	164.06	15.4 %	125.88	17.2 %	119.62	15.9 %
9m 2021	166.81	12.8 %	116.65	4.8 %	121.32	15.2 %
12m 2021	173.48	10.6 %	121.06	1.3 %	126.27	13.6 %
3m 2022	179.52	12.2 %	128.04	6.1 %	128.97	10.1 %
6m 2022	184.62	12.5 %	130.38	3.6 %	131.19	9.7 %
9m 2022	193.23	15.8 %	132.05	13.2 %	139.99	15.4 %
12m 2022	200.44	15.5 %	145.17	19.9 %	146.49	16.0 %
3m 2023	213.75	19.1 %	159.95	24.9 %	153.15	18.8 %
6m 2023	226.90	22.9 %	177.87	36.4 %	161.77	23.3 %
9m 2023	232.59	20.4 %	180.23	36.5 %	169.06	20.8 %
12m 2023	236.72	18.1 %	187.90	29.4 %	173.62	18.5 %
3m 2024	244.86	14.6 %	188.99	18.2 %	180.70	18.0 %
6m 2024	260.14	14.6 %	205.36	15.5 %	189.91	17.4 %
9m 2024	266.98	14.8 %	209.14	16.0 %	195.90	15.9 %
12m 2024	276.83	16.9 %	210.54	12.1 %	202.31	16.5 %
3m 2025	287.22	17.3 %	218.84	15.8 %	209.43	15.9 %
6m 2025	297.22	14.3 %	229.94	12.0 %	218.60	15.1 %
9m 2025	307.21	15.1 %	234.62	12.2 %	225.68	15.2 %
12m 2025	311.07	12.4 %	227.37	8.0 %	229.75	13.6 %
3m 2026	324.29	12.9 %	239.60	9.5 %	238.32	13.8 %

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
2016	104.73	18.0 %	80.61	22.7 %	70.31	23.3 %
2017	114.75	9.6 %	89.06	10.5 %	79.06	12.4 %
2018	121.54	5.9 %	90.13	1.2 %	83.89	6.1 %
2019	131.84	8.5 %	102.06	13.2 %	94.80	13.0 %
2020	156.88	19.0 %	119.45	17.0 %	111.20	17.3 %
2021	173.48	10.6 %	121.06	1.3 %	126.27	13.6 %
2022	200.44	15.5 %	145.17	19.9 %	146.49	16.0 %
2023	236.72	18.1 %	187.90	29.4 %	173.62	18.5 %
2024	276.83	16.9 %	210.54	12.1 %	202.31	16.5 %
2025	311.07	12.4 %	227.37	8.0 %	229.75	13.6 %

Profitability

Period	Return On Average Assets	Return on Average Equity	Net Profit/Investment Income & Other Financing Operations
Q1 2017	1.56 %	8.17 %	40.73 %
Q2 2017	1.54 %	8.55 %	40.59 %
Q3 2017	1.72 %	9.55 %	44.75 %
Q4 2017	1.83 %	10.18 %	47.27 %
2017	1.83 %	10.18 %	47.27 %
Q1 2018	1.97 %	10.85 %	49.48 %
Q2 2018	2.00 %	11.70 %	50.27 %
Q3 2018	2.05 %	11.83 %	49.86 %
Q4 2018	2.42 %	13.72 %	58.38 %
2018	2.42 %	13.72 %	58.38 %
Q1 2019	2.48 %	14.41 %	57.73 %
Q2 2019	2.50 %	14.71 %	57.09 %
Q3 2019	2.48 %	14.58 %	56.87 %
Q4 2019	2.00 %	11.59 %	45.78 %
2019	2.00 %	11.59 %	45.78 %
Q1 2020	1.75 %	10.49 %	40.18 %
Q2 2020	1.63 %	9.71 %	38.51 %
Q3 2020	1.51 %	9.05 %	37.61 %
Q4 2020	1.36 %	8.39 %	35.94 %
2020	1.36 %	8.39 %	35.94 %
Q1 2021	1.50 %	9.35 %	41.24 %
Q2 2021	1.55 %	9.78 %	43.62 %
Q3 2021	1.58 %	10.10 %	44.34 %
Q4 2021	1.64 %	10.81 %	47.72 %
2021	1.64 %	10.81 %	47.72 %
Q1 2022	1.70 %	11.21 %	49.86 %
Q2 2022	1.78 %	12.03 %	51.01 %
Q3 2022	1.87 %	13.05 %	50.66 %
Q4 2022	1.93 %	13.69 %	47.28 %
2022	1.93 %	13.69 %	47.28 %
Q1 2023	1.90 %	13.69 %	41.97 %
Q2 2023	1.97 %	14.86 %	38.72 %
Q3 2023	2.06 %	15.99 %	36.77 %
Q4 2023	2.21 %	17.22 %	36.58 %
2023	2.21 %	17.22 %	36.58 %
Q1 2024	2.26 %	17.64 %	36.40 %
Q2 2024	2.21 %	18.14 %	35.77 %
Q3 2024	2.25 %	18.48 %	35.81 %
Q4 2024	2.27 %	18.80 %	36.10 %
2024	2.27 %	18.80 %	36.10 %
Q1 2025	2.26 %	18.60 %	36.57 %
Q2 2025	2.22 %	18.89 %	36.87 %
Q3 2025	2.16 %	18.41 %	36.32 %
Q4 2025	2.18 %	18.70 %	36.83 %
2025	2.18 %	18.70 %	36.83 %
Q1 2026	2.15 %	18.42 %	37.17 %

Period	Return On Average Assets	Return on Average Equity	Net Profit/Investment Income & Other Financing Operations
2016	1.55 %	8.01 %	43.10 %
2017	1.83 %	10.18 %	47.27 %
2018	2.42 %	13.72 %	58.38 %
2019	2.00 %	11.59 %	45.78 %
2020	1.36 %	8.39 %	35.94 %
2021	1.64 %	10.81 %	47.72 %
2022	1.93 %	13.69 %	47.28 %
2023	2.21 %	17.22 %	36.58 %
2024	2.27 %	18.80 %	36.10 %
2025	2.18 %	18.70 %	36.83 %

Ratios

Period	Customer Deposits Per Total Assets	Financing Investments/Customer Deposits	Financing Investments/Total Assets
Q1 2017	77.51 %	90.30 %	69.99 %
Q2 2017	77.16 %	89.72 %	69.22 %
Q3 2017	78.50 %	89.20 %	70.02 %
Q4 2017	77.62 %	88.77 %	68.90 %
Q1 2018	78.41 %	88.44 %	69.34 %
Q2 2018	76.16 %	92.34 %	70.33 %
Q3 2018	74.76 %	92.55 %	69.19 %
Q4 2018	74.16 %	93.08 %	69.02 %
Q1 2019	75.75 %	93.08 %	70.51 %
Q2 2019	75.17 %	94.45 %	71.00 %
Q3 2019	77.99 %	90.93 %	70.92 %
Q4 2019	77.41 %	92.89 %	71.91 %
Q1 2020	75.26 %	94.14 %	70.85 %
Q2 2020	75.54 %	96.05 %	72.56 %
Q3 2020	75.29 %	94.62 %	71.24 %
Q4 2020	76.15 %	93.09 %	70.88 %
Q1 2021	75.46 %	97.05 %	73.24 %
Q2 2021	76.73 %	95.03 %	72.92 %
Q3 2021	69.93 %	104.00 %	72.73 %
Q4 2021	69.79 %	104.30 %	72.79 %
Q1 2022	71.32 %	100.73 %	71.84 %
Q2 2022	70.62 %	100.63 %	71.06 %
Q3 2022	68.34 %	106.01 %	72.45 %
Q4 2022	72.43 %	100.91 %	73.09 %
Q1 2023	74.83 %	95.75 %	71.65 %
Q2 2023	78.39 %	90.95 %	71.30 %
Q3 2023	77.49 %	93.80 %	72.69 %
Q4 2023	79.38 %	92.40 %	73.35 %
Q1 2024	77.18 %	95.62 %	73.80 %
Q2 2024	78.94 %	92.48 %	73.00 %
Q3 2024	78.33 %	93.67 %	73.37 %
Q4 2024	76.06 %	96.09 %	73.08 %
Q1 2025	76.19 %	95.70 %	72.92 %
Q2 2025	77.37 %	95.06 %	73.55 %
Q3 2025	76.37 %	96.19 %	73.46 %
Q4 2025	73.09 %	101.04 %	73.86 %
Q1 2026	73.89 %	99.47 %	73.49 %

Period	Customer Deposits Per Total Assets	Financing Investments/Customer Deposits	Financing Investments/Total Assets
2016	76.97 %	87.22 %	67.14 %
2017	77.62 %	88.77 %	68.90 %
2018	74.16 %	93.08 %	69.02 %
2019	77.41 %	92.89 %	71.91 %
2020	76.15 %	93.09 %	70.88 %
2021	69.79 %	104.30 %	72.79 %
2022	72.43 %	100.91 %	73.09 %
2023	79.38 %	92.40 %	73.35 %
2024	76.06 %	96.09 %	73.08 %
2025	73.09 %	101.04 %	73.86 %

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 2017	3,000.00	0.51	0.51	-	6.53
Q2 2017	3,000.00	0.54	0.54	-	6.43
Q3 2017	3,000.00	0.61	0.61	-	6.62
Q4 2017	3,000.00	0.67	0.67	-	6.78
Q1 2018	3,000.00	0.72	0.72	-	6.73
Q2 2018	3,000.00	0.76	0.76	-	6.53
Q3 2018	3,000.00	0.79	0.79	-	6.74
Q4 2018	3,000.00	0.95	0.77	-	7.10
Q1 2019	3,000.00	0.98	0.79	-	6.82
Q2 2019	3,000.00	1.00	0.81	-	7.06
Q3 2019	3,000.00	1.02	0.84	-	7.31
Q4 2019	3,000.00	0.84	0.84	-	7.48
Q1 2020	3,000.00	0.76	0.76	-	7.59
Q2 2020	3,000.00	0.72	0.72	-	7.80
Q3 2020	3,000.00	0.69	0.69	-	8.01
Q4 2020	3,000.00	0.66	0.66	-	8.14
Q1 2021	3,000.00	0.75	0.75	-	8.36
Q2 2021	3,000.00	0.79	0.79	-	8.40
Q3 2021	3,000.00	0.83	0.83	-	8.39
Q4 2021	3,000.00	0.90	0.90	-	8.57
Q1 2022	3,000.00	0.96	0.96	-	8.84
Q2 2022	3,000.00	1.04	1.04	-	8.82
Q3 2022	3,000.00	1.12	1.12	-	8.77
Q4 2022	3,000.00	1.20	1.20	1.15	8.96
Q1 2023	3,000.00	1.25	1.25	1.19	9.39
Q2 2023	3,000.00	1.35	1.35	1.29	9.33
Q3 2023	3,000.00	1.46	1.46	1.39	9.49
Q4 2023	3,000.00	1.61	1.61	1.55	9.78
Q1 2024	3,000.00	1.73	1.73	1.67	10.20
Q2 2024	3,000.00	1.79	1.79	1.74	10.43
Q3 2024	3,000.00	1.87	1.87	1.78	10.80
Q4 2024	3,000.00	1.94	1.94	1.85	10.90
Q1 2025	3,000.00	2.01	2.01	1.87	11.40
Q2 2025	3,000.00	2.06	2.06	1.92	11.38
Q3 2025	3,000.00	2.07	2.07	1.93	11.66
Q4 2025	3,000.00	2.13	2.13	1.97	11.91
Q1 2026	3,000.00	2.19	2.19	2.01	12.37

Period	Shares Outstanding (M)	EPS (Riyal)	Earnings Per Share before unusual items (Riyal)	EPS Diluted (Riyal)	Book Value (BV)
2016	3,000.00	0.50	0.50	-	6.39
2017	3,000.00	0.67	0.67	-	6.78
2018	3,000.00	0.95	0.77	-	7.10
2019	3,000.00	0.84	0.84	-	7.48
2020	3,000.00	0.66	0.66	-	8.14
2021	3,000.00	0.90	0.90	-	8.57
2022	3,000.00	1.20	1.20	1.15	8.96
2023	3,000.00	1.61	1.61	1.55	9.78
2024	3,000.00	1.94	1.94	1.85	10.90
2025	3,000.00	2.13	2.13	1.98	11.91

Multiple Ratios (End of Period Price)

Compared With The

Period	P/E	Recurring P/E	Price/book
Q1 2017	14.70	14.70	1.15
Q2 2017	14.18	14.18	1.18
Q3 2017	14.23	14.23	1.32
Q4 2017	14.27	14.27	1.41
Q1 2018	14.32	14.32	1.53
Q2 2018	14.12	14.12	1.64
Q3 2018	13.62	13.62	1.60
Q4 2018	12.06	14.98	1.62
Q1 2019	12.43	15.35	1.78
Q2 2019	12.31	15.12	1.74
Q3 2019	10.97	13.40	1.54
Q4 2019	15.00	15.00	1.69
Q1 2020	13.76	13.76	1.37
Q2 2020	13.44	13.44	1.24
Q3 2020	15.71	15.71	1.36
Q4 2020	16.46	16.46	1.32
Q1 2021	16.45	16.45	1.47
Q2 2021	17.71	17.71	1.67
Q3 2021	19.32	19.32	1.91
Q4 2021	17.69	17.69	1.86
Q1 2022	26.86	26.86	2.93
Q2 2022	21.50	21.50	2.52
Q3 2022	21.59	21.59	2.76
Q4 2022	18.81	18.81	2.42
Q1 2023	16.54	16.54	2.09
Q2 2023	17.36	17.36	2.39
Q3 2023	15.98	15.98	2.35
Q4 2023	16.58	16.58	2.64
Q1 2024	16.94	16.94	2.78
Q2 2024	14.91	14.91	2.49
Q3 2024	13.36	13.36	2.20
Q4 2024	13.06	13.06	2.21
Q1 2025	13.69	13.69	2.24
Q2 2025	11.64	11.64	1.96
Q3 2025	11.58	11.58	1.92
Q4 2025	10.30	10.30	1.71
Q1 2026	11.97	11.97	1.94

Period	P/E	Recurring P/E	Price/book
2016	15.05	15.05	1.18
2017	14.27	14.27	1.41
2018	12.06	14.98	1.62
2019	15.00	15.00	1.69
2020	16.46	16.46	1.32
2021	17.69	17.69	1.86
2022	18.81	18.81	2.42
2023	16.58	16.58	2.64
2024	13.06	13.06	2.21
2025	10.28	10.28	1.71

Business Segments (Million)

Compared With The

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Investment Banking and Brokerage	Other
Q1 2017	381.21	424.83	147.59	51.22	-
Q2 2017	388.98	400.06	170.34	47.33	-
Q3 2017	419.81	416.05	180.54	46.35	-
Q4 2017	431.88	459.06	218.35	189.37	-
Q1 2018	451.77	384.81	205.15	68.03	-
Q2 2018	462.86	444.90	222.57	100.68	-
Q3 2018	502.29	452.86	146.49	110.06	-
Q4 2018	482.34	298.75	439.46	71.90	-
Q1 2019	591.63	437.92	174.13	85.95	-
Q2 2019	613.57	412.84	258.85	78.95	-
Q3 2019	636.28	478.53	241.64	84.52	-
Q4 2019	625.88	470.10	292.43	126.94	-
Q1 2020	704.81	422.91	32.69	107.63	-
Q2 2020	575.08	407.84	218.76	121.98	-
Q3 2020	609.10	531.29	199.35	140.09	-
Q4 2020	737.85	505.40	203.40	163.46	-
Q1 2021	676.62	504.98	243.84	180.82	-
Q2 2021	604.14	592.09	284.39	170.50	-
Q3 2021	649.17	683.65	242.45	146.79	-
Q4 2021	638.26	627.40	275.12	139.39	-
Q1 2022	627.88	582.67	397.78	199.28	-
Q2 2022	746.66	607.47	411.49	166.52	-
Q3 2022	1,002.78	618.33	290.26	164.05	-
Q4 2022	946.80	927.48	85.62	187.99	-
Q1 2023	979.97	796.62	229.90	172.92	-
Q2 2023	1,028.66	808.75	334.86	264.60	-
Q3 2023	1,249.82	790.62	278.61	221.59	-
Q4 2023	1,267.07	841.41	268.71	191.55	-
Q1 2024	1,246.10	790.47	302.64	225.29	-
Q2 2024	1,278.32	818.28	341.17	307.96	-
Q3 2024	1,322.40	768.03	486.49	238.28	-
Q4 2024	1,327.84	797.23	461.70	227.87	-
Q1 2025	1,311.73	771.53	483.61	246.79	-
Q2 2025	1,348.53	782.27	499.21	316.62	-
Q3 2025	1,391.68	842.84	457.61	272.54	-
Q4 2025	1,493.06	829.58	565.17	292.60	-
Q1 2026	1,402.77	792.60	545.51	268.83	-

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Investment Banking and Brokerage	Other
2016	1,135.67	1,440.59	565.81	185.74	-
2017	1,621.88	1,700.00	716.81	334.27	-
2018	1,899.26	1,581.33	1,013.66	350.67	-
2019	2,467.37	1,799.39	967.05	376.36	-
2020	2,626.85	1,867.43	654.20	533.16	-
2021	2,568.18	2,408.12	1,045.80	637.49	-
2022	3,324.13	2,735.96	1,185.15	717.83	-
2023	4,494.15	3,268.77	1,112.08	850.67	-
2024	5,174.66	3,174.01	1,592.00	999.40	-
2025	5,544.99	3,226.22	2,005.59	1,128.54	-

Analysts Estimates (Million)

Item	Profit (Expected)	Profit (Actual)	Change
Average	1,674.70	1,678.53

Estimates vs Actual (Million)

Item	Profit (Expected)	Profit (Actual)
Riyad Capital	1,679.00	1,678.53
AlJazira Capital	1,685.20	1,678.53
SNB Capital	1,666.00	1,678.53
Sico	1,643.00	1,678.53
United Securities Company	1,632.00	1,678.53
Value Capital	1,743.00	1,678.53

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Alinma Bank Q1 2026 profit up 11% to SAR 1.6B

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Alinma Bank Q1 2026 profit up 11% to SAR 1.6B

Current Quarter Comparison (M)

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