Financial Results : SAB makes SAR 8.45B profit in 2025, SAR 2.05B in Q4

SAB makes SAR 8.45B profit in 2025, SAR 2.05B in Q4

05/02/2026 Argaam Exclusive

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Saudi Awwal Bank (SAB) reported a net profit of SAR 8.45 billion for 2025, an increase of 4.7% from SAR 8.07 billion a year earlier.



Financials (M)

Item 2024 2025 Change‬
Net Special Commission Income 11,131.00 11,627.00 4.5 %
Operating Income 14,017.67 14,724.00 5.0 %
Total Provisions (566.00) (704.00) (24.4 %)
Net Income 8,070.46 8,452.00 4.7 %
Average Shares 2,054.79 2,054.79 -
Earnings Per Share before unusual items (Riyals) 3.93 4.17 6.2 %
EPS (Riyal) 3.93 4.11 4.7 %
EPS Diluted (Riyal) 3.78 3.81 0.8 %

The annual profit growth was fueled by a 9% year-on-year (YoY) rise in special commission income, primarily driven by its growing loan and investment portfolio.

 

SAB’s 2025 net special commission income edged up by 4%, as special commission expenses grew due to a higher proportion of interest-bearing time deposits and increased interbank transaction costs, which were partially offset by lower financing costs related to sukuk.

 

These gains were partially offset by an increase in total operating costs, an increase in the net provision for expected credit losses and a decrease in the share of earnings from an associate.

 

The fourth-quarter net profit, however, was down 3.7% to SAR 2.05 billion from SAR 2.13 billion in Q4 2024.

 

Sequentially, the three-month bottom line also declined by 4.5% from SAR 2.14 billion in Q3 2025.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Net Special Commission Income 2,927.88 3,084.67 5.4 %
Operating Income 3,550.87 3,734.00 5.2 %
Debt Provisions (64.00) (264.00) (312.5 %)
Net Income 2,126.02 2,046.53 (3.7 %)
Average Shares 2,054.79 2,054.79 -
Earnings Per Share before unusual items (Riyal) 1.03 1.00 (3.7 %)
EPS (Riyal) 1.03 1.00 (3.7 %)
EPS Diluted (Riyal) 1.00 0.88 (11.7 %)

Balance Sheet (B)

Item 2024 2025 Change‬
Assets 400.60 454.45 13.4 %
Customer Deposits 267.01 323.27 21.1 %
Loan 259.35 298.63 15.1 %

Shareholders’ equity, no minority interest and after deducting sukuk, rose to SAR 66.95 billion as of Dec. 31, 2025, from SAR 61.48 billion a year earlier.

 

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Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2016 1,116.67 8.3 % 1,795.56 4.6 % (144.97) (25.4 %)
Q2 2016 1,181.84 10.8 % 1,761.11 5.1 % (103.29) 8.6 %
Q3 2016 1,222.36 13.3 % 1,687.30 (0.1 %) (189.53) (115.4 %)
Q4 2016 1,236.05 14.8 % 1,664.64 7.5 % (506.78) (348.2 %)
Q1 2017 1,250.65 12.0 % 1,824.07 1.6 % (226.29) (56.1 %)
Q2 2017 1,284.32 8.7 % 1,800.61 2.2 % (164.90) (59.7 %)
Q3 2017 1,258.28 2.9 % 1,763.89 4.5 % (168.78) 10.9 %
Q4 2017 1,304.64 5.5 % 1,738.34 4.4 % (441.85) 12.8 %
Q1 2018 1,322.55 5.7 % 1,761.65 (3.4 %) (207.25) 8.4 %
Q2 2018 1,390.51 8.3 % 1,868.53 3.8 % 90.82 155.1 %
Q3 2018 1,413.74 12.4 % 1,861.35 5.5 % (87.02) 48.4 %
Q4 2018 1,450.53 11.2 % 1,831.32 5.3 % (55.58) 87.4 %
Q1 2019 1,486.94 12.4 % 1,970.01 11.8 % (90.78) 56.2 %
Q2 2019 1,609.90 15.8 % 2,010.61 7.6 % (1,591.65) (1852.6 %)
Q3 2019 2,084.30 47.4 % 2,669.65 43.4 % (182.05) (109.2 %)
Q4 2019 1,998.49 37.8 % 2,563.05 40.0 % (636.70) (1,045.6 %)
Q1 2020 1,902.58 28.0 % 2,368.89 20.2 % (239.07) (163.4 %)
Q2 2020 1,815.14 12.7 % 2,318.10 15.3 % (1,308.78) 17.8 %
Q3 2020 1,657.57 (20.5 %) 2,141.36 (19.8 %) (51.10) 71.9 %
Q4 2020 1,497.43 (25.1 %) 2,049.61 (20.0 %) (31.98) 95.0 %
Q1 2021 1,426.82 (25.0 %) 2,021.53 (14.7 %) (1.67) 99.3 %
Q2 2021 1,467.28 (19.2 %) 1,946.78 (16.0 %) (25.58) 98.0 %
Q3 2021 1,406.69 (15.1 %) 1,935.43 (9.6 %) (13.00) 74.6 %
Q4 2021 1,416.44 (5.4 %) 1,805.51 (11.9 %) (413.50) (1,192.8 %)
Q1 2022 1,413.65 (0.9 %) 2,012.53 (0.4 %) (59.78) (3,484.1 %)
Q2 2022 1,718.26 17.1 % 2,241.94 15.2 % (135.90) (431.3 %)
Q3 2022 1,984.84 41.1 % 2,506.57 29.5 % (37.51) (188.7 %)
Q4 2022 2,291.54 61.8 % 2,780.59 54.0 % (212.07) 48.7 %
Q1 2023 2,534.04 79.3 % 3,217.57 59.9 % (228.96) (283.0 %)
Q2 2023 2,527.34 47.1 % 3,066.74 36.8 % (138.52) (1.9 %)
Q3 2023 2,578.56 29.9 % 3,247.28 29.6 % (144.38) (284.9 %)
Q4 2023 2,701.54 17.9 % 3,178.87 14.3 % (50.58) 76.2 %
Q1 2024 2,708.75 6.9 % 3,447.42 7.1 % (78.63) 65.7 %
Q2 2024 2,733.13 8.1 % 3,491.61 13.9 % (113.21) 18.3 %
Q3 2024 2,761.23 7.1 % 3,527.77 8.6 % (306.48) (112.3 %)
Q4 2024 2,927.88 8.4 % 3,550.87 11.7 % (64.00) (26.5 %)
Q1 2025 2,838.40 4.8 % 3,619.76 5.0 % (141.84) (80.4 %)
Q2 2025 2,847.53 4.2 % 3,721.31 6.6 % (215.70) (90.5 %)
Q3 2025 2,856.41 3.4 % 3,769.12 6.8 % (82.50) 73.1 %
Q4 2025 3,084.67 5.4 % 3,734.00 5.2 % (264.00) (312.5 %)
2025 11,627.00 4.5 % 14,724.00 5.0 % (704.00) (24.4 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS(Riyal)
Q1 2016 1,141.68 2.4 % 0.76 - 1,141.68 0.76
Q2 2016 1,151.65 1.3 % 0.77 - 1,151.65 0.77
Q3 2016 994.82 (12.7 %) 0.66 - 994.82 0.66
Q4 2016 606.58 (35.4 %) 0.40 - 606.58 0.40
Q1 2017 1,035.98 (9.3 %) 0.69 - 1,035.98 0.69
Q2 2017 1,129.16 (2.0 %) 0.75 - 1,129.16 0.75
Q3 2017 1,083.32 8.9 % 0.72 - 1,083.32 0.72
Q4 2017 706.11 16.4 % 0.47 - 706.11 0.47
Q1 2018 975.40 (5.8 %) 0.65 - 975.40 0.65
Q2 2018 832.59 (26.3 %) 0.56 - 832.59 0.56
Q3 2018 1,061.37 (2.0 %) 0.71 - 1,061.37 0.71
Q4 2018 (153.92) (121.8 %) (0.10) (1053.40) 899.48 0.60
Q1 2019 1,108.55 13.7 % 0.58 (58.00) 1,166.55 0.61
Q2 2019 (188.13) (122.6 %) (0.10) (75.00) (113.13) (0.06)
Q3 2019 1,177.99 11.0 % 0.61 (137.00) 1,314.99 0.69
Q4 2019 660.10 528.9 % 0.34 (147.00) 807.10 0.42
Q1 2020 975.59 (12.0 %) 0.47 (95.00) 1,070.59 0.52
Q2 2020 (6862.85) (3,547.9 %) (3.34) (7509.78) 646.93 0.31
Q3 2020 1,049.99 (10.9 %) 0.51 (114.00) 1,163.99 0.57
Q4 2020 681.88 3.3 % 0.33 (199.00) 880.88 0.43
Q1 2021 973.71 (0.2 %) 0.47 - 973.71 0.47
Q2 2021 918.50 113.4 % 0.45 - 918.50 0.45
Q3 2021 885.30 (15.7 %) 0.43 - 885.30 0.43
Q4 2021 426.92 (37.4 %) 0.21 - 426.92 0.21
Q1 2022 1,006.22 3.3 % 0.49 - 1,006.22 0.49
Q2 2022 1,082.67 17.9 % 0.53 - 1,082.67 0.53
Q3 2022 1,504.54 69.9 % 0.73 108.60 1,395.94 0.68
Q4 2022 1,234.18 189.1 % 0.60 (6.56) 1,240.74 0.60
Q1 2023 1,764.57 75.4 % 0.86 - 1,764.57 0.86
Q2 2023 1,549.85 43.2 % 0.75 - 1,549.85 0.75
Q3 2023 1,830.33 21.7 % 0.89 - 1,830.33 0.89
Q4 2023 1,857.63 50.5 % 0.90 - 1,857.63 0.90
Q1 2024 2,043.02 15.8 % 0.99 - 2,043.02 0.99
Q2 2024 2,018.26 30.2 % 0.98 - 2,018.26 0.98
Q3 2024 1,883.17 2.9 % 0.92 - 1,883.17 0.92
Q4 2024 2,126.02 14.4 % 1.03 - 2,126.02 1.03
Q1 2025 2,135.29 4.5 % 1.04 - 2,135.29 1.04
Q2 2025 2,126.60 5.4 % 1.03 - 2,126.60 1.03
Q3 2025 2,143.58 13.8 % 1.04 (120.00) 2,263.58 1.10
Q4 2025 2,046.53 (3.7 %) 1.00 - 2,046.53 1.00
2025 8,452.00 4.7 % 4.11 (120.00) 8,572.00 4.17

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2016 2.28 % 15.92 % 64.68 %
Q2 2016 2.28 % 15.32 % 65.54 %
Q3 2016 2.21 % 14.69 % 67.67 %
Q4 2016 2.08 % 13.10 % 68.85 %
Q1 2017 2.01 % 12.51 % 70.50 %
Q2 2017 2.01 % 12.04 % 71.57 %
Q3 2017 2.11 % 12.26 % 71.31 %
Q4 2017 2.12 % 12.24 % 71.53 %
Q1 2018 2.12 % 12.22 % 73.18 %
Q2 2018 1.97 % 10.95 % 73.97 %
Q3 2018 2.02 % 10.90 % 75.13 %
Q4 2018 1.50 % 8.25 % 76.16 %
Q1 2019 1.60 % 8.66 % 76.24 %
Q2 2019 0.81 % 4.14 % 77.69 %
Q3 2019 0.90 % 4.43 % 78.19 %
Q4 2019 1.25 % 6.24 % 77.93 %
Q1 2020 1.19 % 5.86 % 79.02 %
Q2 2020 (1.51 %) (7.82 %) 78.64 %
Q3 2020 (1.60 %) (7.98 %) 78.52 %
Q4 2020 (1.53 %) (7.79 %) 77.41 %
Q1 2021 (1.55 %) (7.74 %) 74.99 %
Q2 2021 1.34 % 7.18 % 74.14 %
Q3 2021 1.30 % 6.77 % 72.90 %
Q4 2021 1.17 % 6.19 % 74.16 %
Q1 2022 1.17 % 6.13 % 74.08 %
Q2 2022 1.18 % 6.38 % 74.48 %
Q3 2022 1.41 % 7.59 % 76.26 %
Q4 2022 1.65 % 8.98 % 77.64 %
Q1 2023 1.83 % 10.09 % 79.36 %
Q2 2023 1.90 % 10.96 % 80.70 %
Q3 2023 1.99 % 11.71 % 80.66 %
Q4 2023 2.09 % 12.44 % 81.36 %
Q1 2024 2.08 % 12.55 % 81.27 %
Q2 2024 2.16 % 13.42 % 80.22 %
Q3 2024 2.12 % 13.35 % 79.91 %
Q4 2024 2.13 % 13.52 % 79.41 %
2024 2.13 % 13.52 % 79.41 %
Q1 2025 2.05 % 13.29 % 79.36 %
Q2 2025 2.03 % 13.46 % 78.89 %
Q3 2025 2.03 % 13.44 % 78.24 %
Q4 2025 1.98 % 13.16 % 78.33 %
2025 1.98 % 13.16 % 78.97 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2016 191.79 0.9 % 151.88 1.9 % 130.56 8.4 %
Q2 2016 191.87 (0.2 %) 150.27 (0.6 %) 131.10 3.3 %
Q3 2016 185.90 (5.7 %) 144.08 (7.5 %) 125.87 (2.9 %)
Q4 2016 186.06 (0.9 %) 140.64 (5.5 %) 120.96 (4.0 %)
Q1 2017 185.26 (3.4 %) 141.57 (6.8 %) 119.49 (8.5 %)
Q2 2017 182.52 (4.9 %) 138.31 (8.0 %) 117.88 (10.1 %)
Q3 2017 179.48 (3.5 %) 134.57 (6.6 %) 116.69 (7.3 %)
Q4 2017 187.62 0.8 % 140.24 (0.3 %) 117.01 (3.3 %)
Q1 2018 182.62 (1.4 %) 135.39 (4.4 %) 116.49 (2.5 %)
Q2 2018 183.13 0.3 % 132.93 (3.9 %) 113.36 (3.8 %)
Q3 2018 175.05 (2.5 %) 129.33 (3.9 %) 112.13 (3.9 %)
Q4 2018 174.68 (6.9 %) 130.51 (6.9 %) 110.33 (5.7 %)
Q1 2019 173.78 (4.8 %) 127.24 (6.0 %) 110.36 (5.3 %)
Q2 2019 270.82 47.9 % 196.16 47.6 % 154.96 36.7 %
Q3 2019 258.49 47.7 % 183.41 41.8 % 149.34 33.2 %
Q4 2019 265.99 52.3 % 192.17 47.2 % 152.08 37.8 %
Q1 2020 265.69 52.9 % 188.28 48.0 % 155.18 40.6 %
Q2 2020 266.99 (1.4 %) 188.36 (4.0 %) 152.95 (1.3 %)
Q3 2020 263.96 2.1 % 180.20 (1.8 %) 151.89 1.7 %
Q4 2020 276.45 3.9 % 189.11 (1.6 %) 153.24 0.8 %
Q1 2021 271.56 2.2 % 183.69 (2.4 %) 156.71 1.0 %
Q2 2021 272.94 2.2 % 186.83 (0.8 %) 161.44 5.6 %
Q3 2021 269.55 2.1 % 180.25 0.0 % 163.50 7.6 %
Q4 2021 272.40 (1.5 %) 186.76 (1.2 %) 167.56 9.3 %
Q1 2022 282.69 4.1 % 193.89 5.6 % 176.15 12.4 %
Q2 2022 302.54 10.8 % 207.45 11.0 % 176.21 9.1 %
Q3 2022 300.10 11.3 % 202.86 12.5 % 183.16 12.0 %
Q4 2022 314.40 15.4 % 214.28 14.7 % 183.13 9.3 %
Q1 2023 328.88 16.3 % 225.98 16.6 % 191.00 8.4 %
Q2 2023 334.91 10.7 % 222.73 7.4 % 198.67 12.7 %
Q3 2023 340.48 13.5 % 228.05 12.4 % 211.40 15.4 %
Q4 2023 356.64 13.4 % 253.46 18.3 % 215.94 17.9 %
Q1 2024 369.61 12.4 % 265.96 17.7 % 228.54 19.7 %
Q2 2024 382.30 14.1 % 279.17 25.3 % 241.55 21.6 %
Q3 2024 396.51 16.5 % 276.41 21.2 % 252.40 19.4 %
Q4 2024 400.60 12.3 % 267.01 5.3 % 259.35 20.1 %
Q1 2025 425.71 15.2 % 290.44 9.2 % 278.84 22.0 %
Q2 2025 432.36 13.1 % 297.00 6.4 % 282.60 17.0 %
Q3 2025 445.45 12.3 % 315.07 14.0 % 292.91 16.1 %
Q4 2025 454.45 13.4 % 323.27 21.1 % 298.63 15.1 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2016 79.19 % 68.07 % 85.97 %
Q2 2016 78.32 % 68.33 % 87.24 %
Q3 2016 77.50 % 67.71 % 87.36 %
Q4 2016 75.59 % 65.02 % 86.01 %
Q1 2017 76.42 % 64.50 % 84.40 %
Q2 2017 75.78 % 64.59 % 85.23 %
Q3 2017 74.97 % 65.01 % 86.71 %
Q4 2017 74.75 % 62.36 % 83.43 %
Q1 2018 74.14 % 63.79 % 86.04 %
Q2 2018 72.59 % 61.90 % 85.28 %
Q3 2018 73.88 % 64.06 % 86.70 %
Q4 2018 74.71 % 63.16 % 84.54 %
Q1 2019 73.22 % 63.50 % 86.73 %
Q2 2019 72.43 % 57.22 % 79.00 %
Q3 2019 70.96 % 57.77 % 81.42 %
Q4 2019 72.25 % 57.17 % 79.14 %
Q1 2020 70.86 % 58.41 % 82.42 %
Q2 2020 70.55 % 57.29 % 81.20 %
Q3 2020 68.27 % 57.54 % 84.29 %
Q4 2020 68.41 % 55.43 % 81.03 %
Q1 2021 67.64 % 57.71 % 85.31 %
Q2 2021 68.45 % 59.15 % 86.41 %
Q3 2021 66.87 % 60.66 % 90.71 %
Q4 2021 68.56 % 61.51 % 89.72 %
Q1 2022 68.59 % 62.31 % 90.85 %
Q2 2022 68.57 % 58.25 % 84.94 %
Q3 2022 67.60 % 61.03 % 90.29 %
Q4 2022 68.15 % 58.25 % 85.46 %
Q1 2023 68.71 % 58.08 % 84.52 %
Q2 2023 66.50 % 59.32 % 89.20 %
Q3 2023 66.98 % 62.09 % 92.70 %
Q4 2023 71.07 % 60.55 % 85.20 %
Q1 2024 71.96 % 61.83 % 85.93 %
Q2 2024 73.02 % 63.18 % 86.53 %
Q3 2024 69.71 % 63.66 % 91.31 %
Q4 2024 66.65 % 64.74 % 97.13 %
Q1 2025 68.22 % 65.50 % 96.00 %
Q2 2025 68.69 % 65.36 % 95.15 %
Q3 2025 70.73 % 65.76 % 92.97 %
Q4 2025 71.13 % 65.71 % 92.38 %


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 2016 1,500.00 2.90 2.90 2.91 19.09
Q2 2016 1,500.00 2.91 2.91 2.92 19.87
Q3 2016 1,500.00 2.82 2.82 2.82 20.10
Q4 2016 1,500.00 2.60 2.60 2.60 20.85
Q1 2017 1,500.00 2.53 2.53 2.53 21.30
Q2 2017 1,500.00 2.51 2.51 2.51 21.83
Q3 2017 1,500.00 2.57 2.57 2.57 21.83
Q4 2017 1,500.00 2.64 2.64 2.64 22.23
Q1 2018 1,500.00 2.60 2.60 2.60 21.18
Q2 2018 1,500.00 2.40 2.40 2.40 21.98
Q3 2018 1,500.00 2.38 2.38 2.38 21.89
Q4 2018 1,500.00 1.81 2.51 1.81 21.64
Q1 2019 1,916.10 1.49 2.07 1.74 22.67
Q2 2019 1,916.10 0.95 1.57 1.09 26.91
Q3 2019 1,916.10 1.01 1.71 0.99 26.77
Q4 2019 1,916.10 1.44 1.66 1.44 27.25
Q1 2020 2,054.80 1.28 1.50 1.34 27.04
Q2 2020 2,054.80 (1.97) 1.87 (1.91) 23.46
Q3 2020 2,054.80 (2.03) 1.80 (2.01) 24.18
Q4 2020 2,054.80 (2.02) 1.83 (2.02) 24.65
Q1 2021 2,054.80 (2.02) 1.78 (2.02) 25.27
Q2 2021 2,054.80 1.76 1.92 1.76 25.69
Q3 2021 2,054.80 1.68 1.78 1.68 25.55
Q4 2021 2,054.80 1.56 1.56 1.56 25.76
Q1 2022 2,054.80 1.58 1.58 1.58 26.12
Q2 2022 2,054.80 1.66 1.66 1.66 26.19
Q3 2022 2,054.80 1.96 1.90 1.96 26.01
Q4 2022 2,054.80 2.35 2.30 2.35 26.59
Q1 2023 2,054.79 2.72 2.67 2.72 27.76
Q2 2023 2,054.79 2.95 2.90 2.95 27.59
Q3 2023 2,054.79 3.10 3.11 3.11 27.03
Q4 2023 2,054.79 3.41 3.41 3.41 28.19
Q1 2024 2,054.79 3.54 3.54 3.51 28.73
Q2 2024 2,054.79 3.77 3.77 3.70 28.60
Q3 2024 2,054.79 3.80 3.80 3.69 29.85
Q4 2024 2,054.79 3.93 3.93 3.78 29.92
Q1 2025 2,054.79 3.97 3.97 3.80 31.04
Q2 2025 2,054.79 4.03 4.03 3.82 31.19
Q3 2025 2,054.79 4.15 4.21 3.93 31.95
Q4 2025 2,054.79 4.11 4.17 3.81 32.58

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Recurring P/E Price/book
Q1 2016 7.81 7.81 1.63
Q2 2016 6.97 6.97 1.40
Q3 2016 6.59 6.59 1.27
Q4 2016 9.63 9.63 1.64
Q1 2017 8.95 8.95 1.45
Q2 2017 10.68 10.68 1.68
Q3 2017 10.54 10.54 1.70
Q4 2017 10.24 10.24 1.66
Q1 2018 12.07 12.07 2.03
Q2 2018 13.16 13.16 1.97
Q3 2018 13.42 13.42 2.00
Q4 2018 18.04 13.00 2.07
Q1 2019 21.74 15.64 2.28
Q2 2019 37.48 22.73 1.51
Q3 2019 30.66 18.25 1.14
Q4 2019 24.08 20.92 1.27
Q1 2020 15.12 12.89 0.75
Q2 2020 NEG 12.61 0.97
Q3 2020 NEG 14.26 1.05
Q4 2020 NEG 13.50 1.00
Q1 2021 NEG 14.77 1.04
Q2 2021 17.86 16.44 1.23
Q3 2021 19.69 18.61 1.30
Q4 2021 21.15 21.15 1.28
Q1 2022 25.25 25.25 1.52
Q2 2022 24.58 24.58 1.55
Q3 2022 20.01 20.56 1.51
Q4 2022 16.57 16.93 1.46
Q1 2023 12.96 13.21 1.27
Q2 2023 12.95 13.17 1.38
Q3 2023 11.11 11.10 1.28
Q4 2023 11.12 11.12 1.34
Q1 2024 11.41 11.41 1.39
Q2 2024 10.30 10.30 1.33
Q3 2024 9.40 9.40 1.16
Q4 2024 8.90 8.90 1.12
Q1 2025 9.87 9.87 1.21
Q2 2025 8.81 8.81 1.08
Q3 2025 8.17 8.06 1.00
Q4 2025 8.50 8.38 0.99

Business Segments (Million)

Compared With The
Period Corporate and Institutional Banking Retail Global markets and Treasury Capital Markets Securities Others
Q1 2016 809.69 567.45 418.42 - - -
Q2 2016 816.05 596.58 348.48 - - -
Q3 2016 744.91 605.70 298.85 - - 37.84
Q4 2016 769.26 588.11 307.27 - - -
Q1 2017 820.93 629.32 373.81 - - -
Q2 2017 813.48 648.25 317.88 - - -
Q3 2017 782.34 651.12 298.94 - - 31.50
Q4 2017 802.81 638.75 296.78 - - -
Q1 2018 837.17 636.19 297.53 - - (9.24)
Q2 2018 858.65 676.74 297.90 - - 35.24
Q3 2018 859.33 660.93 305.03 - - 36.06
Q4 2018 884.78 649.51 299.50 - - (2.47)
Q1 2019 974.49 665.28 287.07 - - 43.18
Q2 2019 1,001.14 702.09 294.50 - - 12.88
Q3 2019 1,256.87 1,083.30 262.72 - - 66.75
Q4 2019 1,213.52 1,018.68 310.69 - - 20.17
Q1 2020 1,161.94 827.87 352.35 - - 26.74
Q2 2020 1,034.10 794.71 503.14 - - (13.86)
Q3 2020 967.46 726.29 447.62 - - -
Q4 2020 869.28 813.77 370.56 - - (4.00)
Q1 2021 864.31 692.77 458.25 - - 6.20
Q2 2021 872.68 613.31 413.06 - - 23.59
Q3 2021 828.72 635.72 462.48 19.15 - (17.38)
Q4 2021 674.18 580.73 528.64 6.62 - 15.33
Q1 2022 903.95 650.36 469.17 8.09 - (19.04)
Q2 2022 1,037.29 706.18 489.19 8.60 - 0.68
Q3 2022 1,372.84 731.82 401.03 126.99 - (17.52)
Q4 2022 1,544.57 737.61 468.85 67.41 - (37.84)
Q1 2023 1,691.53 813.47 647.53 64.68 - 0.36
Q2 2023 1,653.50 862.95 481.06 80.29 - (11.05)
Q3 2023 1,779.84 895.42 509.78 81.37 - (19.13)
Q4 2023 1,744.80 882.00 422.63 111.18 - 18.26
Q1 2024 1,922.85 1,023.83 391.83 110.23 - (1.32)
Q2 2024 1,975.01 1,090.29 313.70 111.46 - 1.16
Q3 2024 2,022.77 1,132.03 261.46 113.12 - (1.61)
Q4 2024 1,958.39 1,048.30 432.27 111.49 - 0.41
Q1 2025 1,980.85 1,157.52 377.16 104.23 - -
Q2 2025 1,955.41 1,165.01 448.26 100.70 - 51.93
Q3 2025 2,017.37 996.03 397.93 152.09 - 85.71

Analysts Estimates (Million)

Item Profit (Expected) Profit (Actual) Change
Average 2,102.20 2,046.53

Estimates vs Actual (Million)

Item Profit (Expected) Profit (Actual) Change‬
SNB Capital 2,053.00 2,046.53
United Securities Company 2,019.00 2,046.53
Riyad Capital 2,114.00 2,046.53
Sico 2,159.00 2,046.53
U-Capital 2,166.00 2,046.53


Financial Ratios
Current
Market Cap (M Riyal) 73,561.84
Shares Outstanding ((M)) 2,054.80
EPS ( Riyal) (TTM) 4.11
EPS Diluted ( Riyal) (TTM) 3.81
Book Value (BV) ( Riyal) 32.58
Par Value ( Riyal) 10.00
Recurring P/E 8.58
P/E (TTM) 8.70
Price/book 1.10
Return on Average Assets (%) (TTM) 2.0
Return on Average Equity (%) (TTM) 13.2
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Share Price

Saudi Awwal Bank
35.80
(0.14) (0.39 %)

Saudi Awwal Bank (SAB)

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