SAIB posts SAR 2.43B profit in 2025; Q4 at SAR 897.3M

29/01/2026 Argaam Exclusive

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The Saudi Investment Bank (SAIB) reported a net profit of SAR 2.43 billion in 2025, up 24.3% from SAR 1.96 billion a year earlier.

Financials (M)

Item	2024	2025	Change‬
Net Special Commission Income	3,536.69	3,527.80	(0.3 %)
Operating Income	4,178.05	4,794.20	14.7 %
Total Provisions	(290.00)	(354.90)	(22.4 %)
Net Income	1,956.63	2,431.50	24.3 %
Average Shares	1,250.00	1,250.00	-
Earnings Per Share before unusual items (Riyals)	1.57	1.52	(3.1 %)
EPS (Riyal)	1.57	1.95	24.3 %
EPS Diluted (Riyal)	1.43	1.68	17.2 %

The bank attributed the increase in profits to a 14.7% rise in total operating income, driven primarily by higher other operating income, increased foreign exchange fees, higher fees from banking services, and gains on the disposal of debt securities measured at fair value through other comprehensive income.

By contrast, net special commission income decreased marginally by 0.3%, mainly due to an increase in total special commission expenses, despite a rise in total special commission income.

Total operating expenses rose 2.7%, mainly reflecting higher provisions for credit and other losses, increased salaries and employee-related expenses, and higher depreciation and amortization, which was partly offset by a decline in general and administrative expenses.

Net provisions for expected credit losses and other losses increased 22.4%, mainly due to higher net charges related to loans and advances.

In Q4 2025, net profit was 75.9% higher at SAR 897.3 million, compared with SAR 509.99 million a year earlier.

Sequentially, the three-month bottom line grew 73.1% from SAR 518.41 million in Q3 2025.

Current Quarter Comparison (M)

Compared With The

Item	Q4 2024	Q4 2025	Change‬
Net Special Commission Income	896.00	874.40	(2.4 %)
Operating Income	1,082.51	1,628.10	50.4 %
Debt Provisions	(80.16)	(168.73)	(110.5 %)
Net Income	509.99	897.30	75.9 %
Average Shares	1,250.00	1,250.00	-
Earnings Per Share before unusual items (Riyal)	0.41	0.29	(29.0 %)
EPS (Riyal)	0.41	0.72	75.9 %
EPS Diluted (Riyal)	0.35	0.60	69.4 %

Item	Q3 2025	Q4 2025	Change‬
Net Special Commission Income	857.29	874.40	2.0 %
Operating Income	1,045.97	1,628.10	55.7 %
Debt Provisions	(59.73)	(168.73)	(182.5 %)
Net Income	518.41	897.30	73.1 %
Average Shares	1,250.00	1,250.00	-
Earnings Per Share before unusual items (Riyal)	0.41	0.29	(30.2 %)
EPS (Riyal)	0.41	0.72	73.1 %
EPS Diluted (Riyal)	0.40	0.60	49.0 %

Balance Sheet (B)

Item	2024	2025	Change‬
Assets	157.07	172.72	10.0 %
Customer Deposits	94.01	109.62	16.6 %
Loan	99.47	112.07	12.7 %

Shareholders’ equity, with no minority interest and after excluding sukuk, increased to SAR 17.12 billion as of the end of 2025, from SAR 15.82 billion in the year-earlier period.

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Financial results (Million)

Period	Net Special Commission Income	Change	Operating Income	Change	Debt Provisions	Change
Q1 2016	412.80	(4.1 %)	590.74	(9.4 %)	(118.00)	(413.0 %)
Q2 2016	420.70	(2.4 %)	612.19	(4.4 %)	(58.00)	(26.1 %)
Q3 2016	460.66	4.3 %	633.14	5.0 %	(30.00)	(36.4 %)
Q4 2016	377.90	(11.7 %)	569.79	(7.4 %)	(40.00)	(48.1 %)
2016	1,672.06	(3.4 %)	2,405.87	(4.2 %)	(246.00)	(108.5 %)
Q1 2017	463.02	12.2 %	624.96	5.8 %	(45.00)	61.9 %
Q2 2017	486.44	15.6 %	655.84	7.1 %	(74.00)	(27.6 %)
Q3 2017	508.96	10.5 %	701.64	10.8 %	(63.00)	(110.0 %)
Q4 2017	583.65	54.4 %	677.44	18.9 %	(31.00)	22.5 %
2017	2,042.06	22.1 %	2,659.88	10.6 %	(213.00)	13.4 %
Q1 2018	564.16	21.8 %	686.32	9.8 %	(88.55)	(96.8 %)
Q2 2018	573.40	17.9 %	671.08	2.3 %	(64.21)	13.2 %
Q3 2018	596.51	17.2 %	700.59	(0.1 %)	(90.43)	(43.5 %)
Q4 2018	553.66	(5.1 %)	654.73	(3.4 %)	(3.79)	87.8 %
2018	2,287.72	12.0 %	2,712.73	2.0 %	(246.97)	(15.9 %)
Q1 2019	581.08	3.0 %	702.19	2.3 %	(77.22)	12.8 %
Q2 2019	560.00	(2.3 %)	663.10	(1.2 %)	(751.00)	(1,069.6 %)
Q3 2019	566.13	(5.1 %)	739.35	5.5 %	(66.15)	26.9 %
Q4 2019	570.69	3.1 %	713.59	9.0 %	(448.28)	(11,724.7 %)
2019	2,277.89	(0.4 %)	2,818.23	3.9 %	(1,342.64)	(443.6 %)
Q1 2020	582.71	0.3 %	717.72	2.2 %	(224.98)	(191.3 %)
Q2 2020	609.21	8.8 %	713.29	7.6 %	(98.70)	86.9 %
Q3 2020	575.46	1.6 %	724.92	(2.0 %)	(57.30)	13.4 %
Q4 2020	554.27	(2.9 %)	690.20	(3.3 %)	(68.45)	84.7 %
2020	2,321.65	1.9 %	2,846.13	1.0 %	(449.41)	66.5 %
Q1 2021	542.96	(6.8 %)	635.08	(11.5 %)	(64.84)	71.2 %
Q2 2021	584.55	(4.0 %)	716.68	0.5 %	(109.73)	(11.2 %)
Q3 2021	595.05	3.4 %	680.24	(6.2 %)	(51.03)	10.9 %
Q4 2021	627.98	13.3 %	723.70	4.9 %	(45.46)	33.6 %
2021	2,352.40	1.3 %	2,753.05	(3.3 %)	(271.07)	39.7 %
Q1 2022	589.16	8.5 %	717.14	12.9 %	(37.76)	41.8 %
Q2 2022	672.21	15.0 %	772.46	7.8 %	(53.61)	51.1 %
Q3 2022	757.88	27.4 %	858.21	26.2 %	149.02	392.0 %
Q4 2022	825.62	31.5 %	930.08	28.5 %	(249.22)	(448.2 %)
2022	2,844.88	20.9 %	3,277.89	19.1 %	(191.57)	29.3 %
Q1 2023	845.01	43.4 %	962.93	34.3 %	(81.35)	(115.4 %)
Q2 2023	867.69	29.1 %	993.48	28.6 %	(79.56)	(48.4 %)
Q3 2023	889.74	17.4 %	1,007.62	17.4 %	(87.43)	(158.7 %)
Q4 2023	814.77	(1.3 %)	1,002.55	7.8 %	(110.32)	55.7 %
2023	3,417.22	20.1 %	3,966.58	21.0 %	(358.66)	(87.2 %)
Q1 2024	850.48	0.6 %	995.13	3.3 %	(81.46)	(0.1 %)
Q2 2024	878.76	1.3 %	1,022.52	2.9 %	(62.01)	22.1 %
Q3 2024	911.47	2.4 %	1,077.89	7.0 %	(62.56)	28.4 %
Q4 2024	896.00	10.0 %	1,082.51	8.0 %	(80.16)	27.3 %
2024	3,536.69	3.5 %	4,178.05	5.3 %	(290.00)	19.1 %
Q1 2025	890.64	4.7 %	1,050.32	5.5 %	(62.01)	23.9 %
Q2 2025	905.49	3.0 %	1,069.85	4.6 %	(63.04)	(1.7 %)
Q3 2025	857.29	(5.9 %)	1,045.97	(3.0 %)	(59.73)	4.5 %
Q4 2025	874.40	(2.4 %)	1,628.10	50.4 %	(168.73)	(110.5 %)
2025	3,527.80	(0.3 %)	4,794.20	14.7 %	(354.90)	(22.4 %)

Period	Net Special Commission Income	Change	Operating Income	Change	Debt Provisions	Change
2016	1,672.06	(3.4 %)	2,405.87	(4.2 %)	(246.00)	(108.5 %)
2017	2,042.06	22.1 %	2,659.88	10.6 %	(213.00)	13.4 %
2018	2,287.72	12.0 %	2,712.73	2.0 %	(246.97)	(15.9 %)
2019	2,277.89	(0.4 %)	2,818.23	3.9 %	(1,342.64)	(443.6 %)
2020	2,321.65	1.9 %	2,846.13	1.0 %	(449.41)	66.5 %
2021	2,352.40	1.3 %	2,753.05	(3.3 %)	(271.07)	39.7 %
2022	2,844.88	20.9 %	3,277.89	19.1 %	(191.57)	29.3 %
2023	3,417.22	20.1 %	3,966.58	21.0 %	(358.66)	(87.2 %)
2024	3,536.69	3.5 %	4,178.05	5.3 %	(290.00)	19.1 %
2025	3,527.80	(0.3 %)	4,794.20	14.7 %	(354.90)	(22.4 %)

Profit Performance (Million)

Period	Net Income	Change	EPS(Riyal)	Extraordinary Income/Expense	Net Profit Before Unusual Items	EPS(Riyal)
Q1 2016	210.00	(42.7 %)	0.17	-	210.00	0.17
Q2 2016	321.37	(16.0 %)	0.26	-	321.37	0.26
Q3 2016	219.43	(37.6 %)	0.18	-	219.43	0.18
Q4 2016	302.17	32.6 %	0.24	-	302.17	0.24
2016	1,052.96	(20.8 %)	0.84	-	1,052.96	0.84
Q1 2017	344.94	64.3 %	0.28	-	344.94	0.28
Q2 2017	355.65	10.7 %	0.28	-	355.65	0.28
Q3 2017	358.35	63.3 %	0.29	-	358.35	0.29
Q4 2017	351.86	16.4 %	0.28	-	351.86	0.28
2017	1,410.80	34.0 %	1.13	-	1,410.80	1.13
Q1 2018	346.01	0.3 %	0.28	-	346.01	0.28
Q2 2018	336.78	(5.3 %)	0.27	-	336.78	0.27
Q3 2018	345.73	(3.5 %)	0.28	-	345.73	0.28
Q4 2018	(452.62)	(228.6 %)	(0.36)	(750.51)	297.89	0.24
2018	575.90	(59.2 %)	0.46	(750.51)	1,326.40	1.06
Q1 2019	281.45	(18.7 %)	0.23	-	281.45	0.23
Q2 2019	(284.74)	(184.5 %)	(0.23)	-	(284.74)	(0.23)
Q3 2019	311.93	(9.8 %)	0.25	-	311.93	0.25
Q4 2019	(69.18)	84.7 %	(0.06)	-	(69.18)	(0.06)
2019	239.46	(58.4 %)	0.19	-	239.46	0.19
Q1 2020	150.71	(46.5 %)	0.12	-	150.71	0.12
Q2 2020	262.26	192.1 %	0.21	-	262.26	0.21
Q3 2020	301.37	(3.4 %)	0.24	19.40	281.97	0.23
Q4 2020	265.21	483.4 %	0.21	-	265.21	0.21
2020	979.56	309.1 %	0.78	19.40	960.16	0.77
Q1 2021	213.50	41.7 %	0.17	-	213.50	0.17
Q2 2021	287.77	9.7 %	0.23	-	287.77	0.23
Q3 2021	274.35	(9.0 %)	0.22	-	274.35	0.22
Q4 2021	286.05	7.9 %	0.23	-	286.05	0.23
2021	1,061.66	8.4 %	0.85	-	1,061.66	0.85
Q1 2022	287.02	34.4 %	0.23	-	287.02	0.23
Q2 2022	320.65	11.4 %	0.26	-	320.65	0.26
Q3 2022	549.97	100.5 %	0.44	-	549.97	0.44
Q4 2022	350.22	22.4 %	0.28	-	350.22	0.28
2022	1,507.86	42.0 %	1.21	-	1,507.86	1.21
Q1 2023	408.91	42.5 %	0.33	-	408.91	0.33
Q2 2023	443.79	38.4 %	0.36	-	443.79	0.36
Q3 2023	461.64	(16.1 %)	0.37	-	461.64	0.37
Q4 2023	447.27	27.7 %	0.36	-	447.27	0.36
2023	1,761.61	16.8 %	1.41	-	1,761.61	1.41
Q1 2024	442.42	8.2 %	0.35	-	442.42	0.35
Q2 2024	486.38	9.6 %	0.39	-	486.38	0.39
Q3 2024	517.84	12.2 %	0.41	-	517.84	0.41
Q4 2024	509.99	14.0 %	0.41	-	509.99	0.41
2024	1,956.63	11.1 %	1.57	-	1,956.63	1.57
Q1 2025	503.32	13.8 %	0.40	-	503.32	0.40
Q2 2025	512.46	5.4 %	0.41	-	512.46	0.41
Q3 2025	518.41	0.1 %	0.41	-	518.41	0.41
Q4 2025	897.30	75.9 %	0.72	535.21	362.09	0.29
2025	2,431.50	24.3 %	1.95	535.21	1,896.29	1.52

Period	Net Income	Change	EPS(Riyal)	Extraordinary Income/Expense	Net Profit Before Unusual Items	EPS(Riyal)
2016	1,052.96	(20.8 %)	0.84	-	1,052.96	0.84
2017	1,410.80	34.0 %	1.13	-	1,410.80	1.13
2018	575.90	(59.2 %)	0.46	(750.51)	1,326.40	1.06
2019	239.46	(58.4 %)	0.19	-	239.46	0.19
2020	979.56	309.1 %	0.78	19.40	960.16	0.77
2021	1,061.66	8.4 %	0.85	-	1,061.66	0.85
2022	1,507.86	42.0 %	1.21	-	1,507.86	1.21
2023	1,761.61	16.8 %	1.41	-	1,761.61	1.41
2024	1,956.63	11.1 %	1.57	-	1,956.63	1.57
2025	2,431.50	24.3 %	1.95	535.21	1,896.29	1.52

Profitability

Period	Return On Average Assets	Return on Average Equity	Net Interest Income/Total Operating Income
Q1 2016	1.25 %	9.83 %	69.95 %
Q2 2016	1.18 %	9.38 %	70.34 %
Q3 2016	1.05 %	8.12 %	70.26 %
Q4 2016	1.13 %	8.47 %	69.50 %
2016	1.13 %	8.47 %	69.50 %
Q1 2017	1.24 %	9.49 %	70.58 %
Q2 2017	1.27 %	9.87 %	71.99 %
Q3 2017	1.40 %	10.71 %	71.95 %
Q4 2017	1.51 %	10.72 %	76.77 %
2017	1.51 %	10.72 %	76.77 %
Q1 2018	1.51 %	10.82 %	78.76 %
Q2 2018	1.40 %	10.81 %	81.50 %
Q3 2018	1.42 %	10.75 %	84.73 %
Q4 2018	0.61 %	4.59 %	84.33 %
2018	0.61 %	4.59 %	84.33 %
Q1 2019	0.55 %	4.08 %	84.46 %
Q2 2019	(0.11 %)	(0.91 %)	84.22 %
Q3 2019	(0.15 %)	(1.18 %)	81.93 %
Q4 2019	0.24 %	2.03 %	80.83 %
2019	0.24 %	2.03 %	80.83 %
Q1 2020	0.11 %	0.96 %	80.44 %
Q2 2020	0.65 %	5.52 %	80.75 %
Q3 2020	0.66 %	5.21 %	81.48 %
Q4 2020	0.98 %	7.73 %	81.57 %
2020	0.98 %	7.73 %	81.57 %
Q1 2021	1.06 %	8.73 %	82.57 %
Q2 2021	1.05 %	8.29 %	81.58 %
Q3 2021	1.05 %	7.57 %	83.64 %
Q4 2021	1.05 %	7.55 %	85.30 %
2021	1.05 %	7.55 %	85.45 %
Q1 2022	1.10 %	8.29 %	84.46 %
Q2 2022	1.12 %	8.64 %	85.86 %
Q3 2022	1.40 %	10.32 %	86.19 %
Q4 2022	1.43 %	10.63 %	86.79 %
2022	1.43 %	10.63 %	86.79 %
Q1 2023	1.41 %	11.61 %	88.00 %
Q2 2023	1.50 %	12.75 %	88.02 %
Q3 2023	1.41 %	12.28 %	88.03 %
Q4 2023	1.47 %	12.54 %	86.15 %
2023	1.47 %	12.54 %	86.15 %
Q1 2024	1.39 %	12.54 %	85.59 %
Q2 2024	1.38 %	12.68 %	85.25 %
Q3 2024	1.35 %	12.81 %	84.32 %
Q4 2024	1.36 %	12.90 %	84.65 %
2024	1.36 %	12.90 %	84.65 %
Q1 2025	1.34 %	13.41 %	84.49 %
Q2 2025	1.32 %	13.21 %	84.19 %
Q3 2025	1.25 %	12.71 %	83.54 %
Q4 2025	1.47 %	14.76 %	73.58 %
2025	1.47 %	14.76 %	73.58 %

Period	Return On Average Assets	Return on Average Equity	Net Interest Income/Total Operating Income
2016	1.13 %	8.47 %	69.50 %
2017	1.51 %	10.72 %	76.77 %
2018	0.61 %	4.59 %	84.33 %
2019	0.24 %	2.03 %	80.83 %
2020	0.98 %	7.73 %	81.57 %
2021	1.05 %	7.55 %	85.45 %
2022	1.43 %	10.63 %	86.79 %
2023	1.47 %	12.54 %	86.15 %
2024	1.36 %	12.90 %	84.65 %
2025	1.47 %	14.76 %	73.58 %

Balance Sheet (B)

Period	Assets	Change	Customer Deposits	Change	Loan	Change
Q1 2016	96.39	5.9 %	70.69	1.5 %	61.62	7.5 %
Q2 2016	95.95	3.7 %	68.09	(3.4 %)	61.25	7.1 %
Q3 2016	96.18	6.5 %	66.45	(0.6 %)	61.29	5.5 %
Q4 2016	93.05	(0.6 %)	65.64	(6.9 %)	60.25	0.0 %
Q1 2017	95.18	(1.3 %)	64.44	(8.8 %)	60.29	(2.2 %)
Q2 2017	96.88	1.0 %	66.56	(2.2 %)	61.63	0.6 %
Q3 2017	98.33	2.2 %	71.06	6.9 %	61.07	(0.4 %)
Q4 2017	93.80	0.8 %	66.94	2.0 %	59.59	(1.1 %)
Q1 2018	91.53	(3.8 %)	61.03	(5.3 %)	57.90	(4.0 %)
Q2 2018	101.95	5.2 %	71.30	7.1 %	59.33	(3.7 %)
Q3 2018	95.45	(2.9 %)	64.02	(9.9 %)	59.54	(2.5 %)
Q4 2018	96.07	2.4 %	63.69	(4.9 %)	59.41	(0.3 %)
Q1 2019	94.83	3.6 %	63.82	4.6 %	58.18	0.5 %
Q2 2019	97.96	(3.9 %)	66.84	(6.3 %)	56.93	(4.1 %)
Q3 2019	96.30	0.9 %	64.96	1.5 %	57.63	(3.2 %)
Q4 2019	100.81	4.9 %	69.06	8.4 %	57.11	(3.9 %)
Q1 2020	100.80	6.3 %	67.64	6.0 %	59.88	2.9 %
Q2 2020	104.62	6.8 %	64.24	(3.9 %)	58.60	2.9 %
Q3 2020	98.34	2.1 %	59.84	(7.9 %)	57.72	0.2 %
Q4 2020	99.88	(0.9 %)	60.14	(12.9 %)	55.07	(3.6 %)
Q1 2021	96.27	(4.5 %)	56.12	(17.0 %)	55.42	(7.4 %)
Q2 2021	98.41	(5.9 %)	59.81	(6.9 %)	56.30	(3.9 %)
Q3 2021	99.64	1.3 %	60.89	1.8 %	58.29	1.0 %
Q4 2021	101.62	1.7 %	61.48	2.2 %	57.80	4.9 %
Q1 2022	109.26	13.5 %	68.35	21.8 %	59.94	8.1 %
Q2 2022	110.80	12.6 %	67.46	12.8 %	62.26	10.6 %
Q3 2022	106.54	6.9 %	67.60	11.0 %	64.67	10.9 %
Q4 2022	109.07	7.3 %	69.58	13.2 %	68.88	19.2 %
Q1 2023	121.90	11.6 %	79.22	15.9 %	73.63	22.8 %
Q2 2023	123.59	11.5 %	82.66	22.5 %	77.30	24.2 %
Q3 2023	129.83	21.9 %	85.45	26.4 %	80.20	24.0 %
Q4 2023	129.98	19.2 %	83.23	19.6 %	80.75	17.2 %
Q1 2024	136.41	11.9 %	88.43	11.6 %	84.62	14.9 %
Q2 2024	143.36	16.0 %	95.36	15.4 %	90.64	17.3 %
Q3 2024	151.65	16.8 %	98.09	14.8 %	94.94	18.4 %
Q4 2024	157.07	20.8 %	94.01	13.0 %	99.47	23.2 %
Q1 2025	163.80	20.1 %	101.67	15.0 %	104.13	23.1 %
Q2 2025	167.29	16.7 %	100.24	5.1 %	108.42	19.6 %
Q3 2025	174.91	15.3 %	105.15	7.2 %	110.58	16.5 %
Q4 2025	172.72	10.0 %	109.62	16.6 %	112.07	12.7 %

Period	Assets	Change	Customer Deposits	Change	Loan	Change
3m 2016	96.39	5.9 %	70.69	1.5 %	61.62	7.5 %
6m 2016	95.95	3.7 %	68.09	(3.4 %)	61.25	7.1 %
9m 2016	96.18	6.5 %	66.45	(0.6 %)	61.29	5.5 %
12m 2016	93.05	(0.6 %)	65.64	(6.9 %)	60.25	0.0 %
3m 2017	95.18	(1.3 %)	64.44	(8.8 %)	60.29	(2.2 %)
6m 2017	96.88	1.0 %	66.56	(2.2 %)	61.63	0.6 %
9m 2017	98.33	2.2 %	71.06	6.9 %	61.07	(0.4 %)
12m 2017	93.80	0.8 %	66.94	2.0 %	59.59	(1.1 %)
3m 2018	91.53	(3.8 %)	61.03	(5.3 %)	57.90	(4.0 %)
6m 2018	101.95	5.2 %	71.30	7.1 %	59.33	(3.7 %)
9m 2018	95.45	(2.9 %)	64.02	(9.9 %)	59.54	(2.5 %)
12m 2018	96.07	2.4 %	63.69	(4.9 %)	59.41	(0.3 %)
3m 2019	94.83	3.6 %	63.82	4.6 %	58.18	0.5 %
6m 2019	97.96	(3.9 %)	66.84	(6.3 %)	56.93	(4.1 %)
9m 2019	96.30	0.9 %	64.96	1.5 %	57.63	(3.2 %)
12m 2019	100.81	4.9 %	69.06	8.4 %	57.11	(3.9 %)
3m 2020	100.80	6.3 %	67.64	6.0 %	59.88	2.9 %
6m 2020	104.62	6.8 %	64.24	(3.9 %)	58.60	2.9 %
9m 2020	98.34	2.1 %	59.84	(7.9 %)	57.72	0.2 %
12m 2020	99.88	(0.9 %)	60.14	(12.9 %)	55.07	(3.6 %)
3m 2021	96.27	(4.5 %)	56.12	(17.0 %)	55.42	(7.4 %)
6m 2021	98.41	(5.9 %)	59.81	(6.9 %)	56.30	(3.9 %)
9m 2021	99.64	1.3 %	60.89	1.8 %	58.29	1.0 %
12m 2021	101.62	1.7 %	61.48	2.2 %	57.80	4.9 %
3m 2022	109.26	13.5 %	68.35	21.8 %	59.94	8.1 %
6m 2022	110.80	12.6 %	67.46	12.8 %	62.26	10.6 %
9m 2022	106.54	6.9 %	67.60	11.0 %	64.67	10.9 %
12m 2022	109.07	7.3 %	69.58	13.2 %	68.88	19.2 %
3m 2023	121.90	11.6 %	79.22	15.9 %	73.63	22.8 %
6m 2023	123.59	11.5 %	82.66	22.5 %	77.30	24.2 %
9m 2023	129.83	21.9 %	85.45	26.4 %	80.20	24.0 %
12m 2023	129.98	19.2 %	83.23	19.6 %	80.75	17.2 %
3m 2024	136.41	11.9 %	88.43	11.6 %	84.62	14.9 %
6m 2024	143.36	16.0 %	95.36	15.4 %	90.64	17.3 %
9m 2024	151.65	16.8 %	98.09	14.8 %	94.94	18.4 %
12m 2024	157.07	20.8 %	94.01	13.0 %	99.47	23.2 %
3m 2025	163.80	20.1 %	101.67	15.0 %	104.13	23.1 %
6m 2025	167.29	16.7 %	100.24	5.1 %	108.42	19.6 %
9m 2025	174.91	15.3 %	105.15	7.2 %	110.58	16.5 %
12m 2025	172.72	10.0 %	109.62	16.6 %	112.07	12.7 %

Period	Assets	Change	Customer Deposits	Change	Loan	Change
2016	93.05	(0.6 %)	65.64	(6.9 %)	60.25	0.0 %
2017	93.80	0.8 %	66.94	2.0 %	59.59	(1.1 %)
2018	96.07	2.4 %	63.69	(4.9 %)	59.41	(0.3 %)
2019	100.81	4.9 %	69.06	8.4 %	57.11	(3.9 %)
2020	99.88	(0.9 %)	60.14	(12.9 %)	55.07	(3.6 %)
2021	101.62	1.7 %	61.48	2.2 %	57.80	4.9 %
2022	109.07	7.3 %	69.58	13.2 %	68.88	19.2 %
2023	129.98	19.2 %	83.23	19.6 %	80.75	17.2 %
2024	157.07	20.8 %	94.01	13.0 %	99.47	23.2 %
2025	172.72	10.0 %	109.62	16.6 %	112.07	12.7 %

Ratios

Period	Customer Deposits Per Total Assets	Loans and advances/Total assets	Loans and advances/Customers Deposits
Q1 2016	73.33 %	63.92 %	87.17 %
Q2 2016	70.96 %	63.84 %	89.96 %
Q3 2016	69.08 %	63.72 %	92.24 %
Q4 2016	70.55 %	64.75 %	91.79 %
Q1 2017	67.70 %	63.35 %	93.56 %
Q2 2017	68.70 %	63.61 %	92.59 %
Q3 2017	72.27 %	62.10 %	85.93 %
Q4 2017	71.37 %	63.53 %	89.01 %
Q1 2018	66.68 %	63.25 %	94.86 %
Q2 2018	69.93 %	58.19 %	83.21 %
Q3 2018	67.07 %	62.38 %	93.01 %
Q4 2018	66.30 %	61.84 %	93.28 %
Q1 2019	67.30 %	61.35 %	91.15 %
Q2 2019	68.23 %	58.11 %	85.16 %
Q3 2019	67.46 %	59.84 %	88.71 %
Q4 2019	68.50 %	56.65 %	82.70 %
Q1 2020	67.10 %	59.40 %	88.52 %
Q2 2020	61.41 %	56.02 %	91.22 %
Q3 2020	60.85 %	58.70 %	96.46 %
Q4 2020	60.21 %	55.14 %	91.57 %
Q1 2021	58.30 %	57.57 %	98.75 %
Q2 2021	60.78 %	57.21 %	94.12 %
Q3 2021	61.11 %	58.50 %	95.73 %
Q4 2021	60.51 %	56.88 %	94.00 %
Q1 2022	62.56 %	54.86 %	87.69 %
Q2 2022	60.88 %	56.19 %	92.30 %
Q3 2022	63.46 %	60.70 %	95.65 %
Q4 2022	63.79 %	63.15 %	99.00 %
Q1 2023	64.98 %	60.40 %	92.95 %
Q2 2023	66.88 %	62.55 %	93.52 %
Q3 2023	65.82 %	61.78 %	93.85 %
Q4 2023	64.03 %	62.12 %	97.02 %
Q1 2024	64.83 %	62.04 %	95.69 %
Q2 2024	66.52 %	63.23 %	95.05 %
Q3 2024	64.68 %	62.60 %	96.78 %
Q4 2024	59.85 %	63.33 %	105.80 %
Q1 2025	62.07 %	63.57 %	102.43 %
Q2 2025	59.92 %	64.81 %	108.17 %
Q3 2025	60.12 %	63.22 %	105.16 %
Q4 2025	63.47 %	64.89 %	102.24 %

Period	Customer Deposits Per Total Assets	Loans and advances/Total assets	Loans and advances/Customers Deposits
2016	70.55 %	64.75 %	91.79 %
2017	71.37 %	63.53 %	89.01 %
2018	66.30 %	61.84 %	93.28 %
2019	68.50 %	56.65 %	82.70 %
2020	60.21 %	55.14 %	91.57 %
2021	60.51 %	56.88 %	94.00 %
2022	63.79 %	63.15 %	99.00 %
2023	64.03 %	62.12 %	97.02 %
2024	59.85 %	63.33 %	105.80 %
2025	63.47 %	64.89 %	102.24 %

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	1,250.00	0.94	0.94	-	9.49
Q2 2016	1,250.00	0.89	0.89	-	9.37
Q3 2016	1,250.00	0.78	0.78	-	9.79
Q4 2016	1,250.00	0.84	0.84	-	10.27
Q1 2017	1,250.00	0.95	0.95	-	10.53
Q2 2017	1,250.00	0.98	0.98	-	10.43
Q3 2017	1,250.00	1.09	1.09	-	10.55
Q4 2017	1,250.00	1.13	1.13	-	10.80
Q1 2018	1,250.00	1.13	1.13	-	10.35
Q2 2018	1,250.00	1.11	1.11	-	10.18
Q3 2018	1,250.00	1.10	1.10	-	10.00
Q4 2018	1,250.00	0.46	1.06	-	9.30
Q1 2019	1,250.00	0.41	1.01	-	9.68
Q2 2019	1,250.00	(0.09)	0.51	-	9.20
Q3 2019	1,250.00	(0.12)	0.49	-	9.57
Q4 2019	1,250.00	0.19	0.19	-	9.61
Q1 2020	1,250.00	0.09	0.09	-	8.39
Q2 2020	1,250.00	0.52	0.52	-	9.79
Q3 2020	1,250.00	0.52	0.50	-	10.25
Q4 2020	1,250.00	0.78	0.77	-	10.66
Q1 2021	1,250.00	0.83	0.82	-	10.71
Q2 2021	1,250.00	0.85	0.84	-	10.81
Q3 2021	1,250.00	0.83	0.83	-	11.75
Q4 2021	1,250.00	0.85	0.85	-	11.84
Q1 2022	1,250.00	0.91	0.91	-	11.21
Q2 2022	1,250.00	0.93	0.93	-	10.81
Q3 2022	1,250.00	1.15	1.15	-	10.63
Q4 2022	1,250.00	1.21	1.21	1.09	10.86
Q1 2023	1,250.00	1.30	1.30	1.19	11.25
Q2 2023	1,250.00	1.40	1.40	1.25	11.18
Q3 2023	1,250.00	1.33	1.33	1.19	11.06
Q4 2023	1,250.00	1.41	1.41	1.28	11.62
Q1 2024	1,250.00	1.44	1.44	1.30	11.65
Q2 2024	1,250.00	1.47	1.47	1.34	12.00
Q3 2024	1,250.00	1.52	1.52	1.38	12.59
Q4 2024	1,250.00	1.57	1.57	1.43	12.66
Q1 2025	1,250.00	1.61	1.61	1.48	12.42
Q2 2025	1,250.00	1.63	1.63	1.44	12.75
Q3 2025	1,250.00	1.64	1.64	1.44	13.15
Q4 2025	1,250.00	1.95	1.52	1.68	13.70

Period	Shares Outstanding (M)	EPS (Riyal)	Earnings Per Share before unusual items (Riyal)	EPS Diluted (Riyal)	Book Value (BV)
2016	1,250.00	0.84	0.84	-	10.27
2017	1,250.00	1.13	1.13	-	10.80
2018	1,250.00	0.46	1.06	-	9.30
2019	1,250.00	0.19	0.19	-	9.61
2020	1,250.00	0.78	0.77	-	10.66
2021	1,250.00	0.85	0.85	-	11.84
2022	1,250.00	1.21	1.21	1.09	10.86
2023	1,250.00	1.41	1.41	1.28	11.62
2024	1,250.00	1.57	1.57	1.43	12.66
2025	1,250.00	1.95	1.52	1.68	13.70

Multiple Ratios (End of Period Price)

Compared With The

Period	P/E	Recurring P/E	Price/book
Q1 2016	8.70	8.70	0.86
Q2 2016	8.00	8.00	0.76
Q3 2016	7.29	7.29	0.58
Q4 2016	10.08	10.08	0.83
Q1 2017	8.18	8.18	0.74
Q2 2017	7.99	7.99	0.75
Q3 2017	8.28	8.28	0.85
Q4 2017	8.02	8.02	0.84
Q1 2018	8.23	8.23	0.90
Q2 2018	9.75	9.75	1.07
Q3 2018	10.05	10.05	1.11
Q4 2018	22.31	9.69	1.11
Q1 2019	27.50	11.14	1.16
Q2 2019	NEG	22.45	1.25
Q3 2019	NEG	19.50	0.99
Q4 2019	56.53	56.53	1.13
Q1 2020	86.27	86.27	0.89
Q2 2020	14.92	14.92	0.80
Q3 2020	18.38	18.95	0.93
Q4 2020	12.26	12.50	0.90
Q1 2021	11.92	12.15	0.93
Q2 2021	11.92	12.14	0.94
Q3 2021	12.23	12.23	0.87
Q4 2021	13.83	13.83	0.99
Q1 2022	16.00	16.00	1.30
Q2 2022	16.69	16.69	1.44
Q3 2022	11.83	11.83	1.28
Q4 2022	12.69	12.69	1.28
Q1 2023	11.16	11.16	1.18
Q2 2023	10.88	10.88	1.22
Q3 2023	10.66	10.66	1.14
Q4 2023	10.01	10.01	1.10
Q1 2024	10.12	10.12	1.13
Q2 2024	9.55	9.55	1.06
Q3 2024	9.42	9.42	1.04
Q4 2024	10.13	10.13	1.15
Q1 2025	9.84	9.84	1.17
Q2 2025	10.11	10.11	1.14
Q3 2025	9.94	9.94	1.08
Q4 2025	7.82	10.02	0.96

Period	P/E	Recurring P/E	Price/book
2016	10.08	10.08	0.83
2017	8.02	8.02	0.84
2018	22.31	9.69	1.11
2019	56.53	56.53	1.13
2020	12.26	12.50	0.90
2021	13.83	13.83	0.99
2022	12.70	12.70	1.28
2023	10.01	10.01	1.10
2024	10.12	10.12	1.15
2025	7.82	10.02	0.96

Business Segments (Million)

Compared With The

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Brokerage and Asset Management	Joint Projects	Others
Q1 2016	234.59	154.29	229.81	22.08	(10.90)	(39.12)
Q2 2016	309.09	306.12	57.15	21.02	(13.03)	(68.16)
Q3 2016	275.32	323.22	131.85	18.63	(15.62)	(100.27)
Q4 2016	183.70	330.18	101.96	26.32	(15.41)	(56.96)
Q1 2017	262.95	282.64	97.03	27.53	-	(45.19)
Q2 2017	274.68	266.84	160.26	17.35	-	(63.28)
Q3 2017	415.47	269.68	33.74	18.20	-	(35.44)
Q4 2017	218.31	251.89	171.57	23.20	-	12.48
Q1 2018	256.17	286.34	172.58	26.04	-	(54.81)
Q2 2018	283.77	296.45	222.21	21.98	-	(153.32)
Q3 2018	293.95	217.68	125.53	17.18	-	46.25
Q4 2018	423.85	323.97	(92.49)	17.57	-	(18.16)
Q1 2019	202.88	328.29	201.57	17.64	-	(48.19)
Q2 2019	187.95	318.05	171.84	21.55	-	(36.28)
Q3 2019	196.85	355.42	209.49	38.99	-	(61.39)
Q4 2019	175.63	360.63	143.54	27.14	-	6.65
Q1 2020	208.37	325.20	223.11	29.03	-	(67.98)
Q2 2020	310.69	260.25	153.19	33.87	-	(44.70)
Q3 2020	220.83	279.23	322.63	45.89	-	(143.66)
Q4 2020	192.40	241.06	223.07	56.03	-	(22.35)
Q1 2021	197.33	197.37	247.38	64.57	-	(71.57)
Q2 2021	205.80	227.19	222.04	57.76	-	7.89
Q3 2021	182.21	188.47	307.63	44.14	-	(48.87)
Q4 2021	261.68	225.04	236.95	44.51	-	(44.48)
Q1 2022	229.86	246.32	219.57	62.37	-	(40.97)
Q2 2022	299.57	273.20	214.89	44.26	-	(59.46)
Q3 2022	307.33	355.81	207.65	42.22	-	(54.80)
Q4 2022	411.95	397.65	146.68	37.68	-	(63.88)
Q1 2023	292.11	340.70	345.77	50.65	-	(66.29)
Q2 2023	530.26	352.95	109.07	56.44	-	(55.24)
Q3 2023	300.43	373.70	335.65	52.08	-	(54.24)
Q4 2023	444.53	395.61	170.33	43.74	-	(51.66)
Q1 2024	393.95	373.02	227.94	65.18	-	(64.97)
Q2 2024	390.03	429.10	225.34	50.92	-	(72.85)
Q3 2024	398.38	400.94	310.92	57.54	-	(89.90)
Q4 2024	373.49	388.59	325.39	60.84	-	(65.81)
Q1 2025	370.70	427.73	254.10	61.07	-	(63.28)
Q2 2025	355.67	438.71	250.78	75.86	-	(51.18)
Q3 2025	294.68	493.22	275.22	73.24	-	(90.39)

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Brokerage and Asset Management	Joint Projects	Others
2015	908.31	959.33	762.14	120.86	(10.42)	(229.16)
2016	1,002.71	1,113.80	520.77	88.05	(54.95)	(264.51)
2017	1,171.41	1,071.04	462.60	86.27	-	(131.44)
2018	1,257.74	1,124.44	427.82	82.77	-	(180.04)
2019	763.30	1,362.38	726.44	105.32	-	(139.20)
2020	932.28	1,105.73	922.00	164.81	-	(278.69)
2021	847.02	838.08	1,014.00	210.98	-	(157.03)
2022	1,248.71	1,272.98	788.79	186.53	-	(219.11)
2023	1,567.33	1,462.96	960.81	202.91	-	(227.43)
2024	1,557.25	1,591.65	1,089.60	234.49	-	(294.93)

Analysts Estimates (Million)

Item	Profit (Expected)	Profit (Actual)	Change	Profit Before Unusual Items	Change
Average	613.50	897.30		362.09

Estimates vs Actual (Million)

Item	Profit (Expected)	Profit (Actual)	Change‬	Profit Before Unusual Items	Change‬
SNB Capital	702.00	897.30		362.09
Riyad Capital	525.00	897.30		362.09

Financial Ratios

	Current
Market Cap (M Riyal)	17,800.00
Shares Outstanding ((M))	1,250.00
EPS ( Riyal) (TTM)	1.95
EPS Diluted ( Riyal) (TTM)	1.68
Book Value (BV) ( Riyal)	13.70
Par Value ( Riyal)	10.00
Recurring P/E	9.39
P/E (TTM)	7.32
Price/book	1.04
Return on Average Assets (%) (TTM)	1.5
Return on Average Equity (%) (TTM)	14.8

Saudi Investment Bank (SAIB)

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SAIB posts SAR 2.43B profit in 2025; Q4 at SAR 897.3M

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SAIB posts SAR 2.43B profit in 2025; Q4 at SAR 897.3M

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Financials (M)

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Financial results (Million)

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Profit Performance (Million)

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