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Arab National Bank announces its Interim Financial Results for the Period Ending on 2026-03-31 ( Three Months ) | premargin

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Total Income From Special Commission of Financing	3,116	2,914	6.932	3,153	-1.173
Total Income From Special Commission of Investment	867	640	35.468	723	19.917
Net Income From Special Commission of Financing	1,532	1,518	0.922	1,445	6.02
Net Income From Special Commission of Investment	580	436	33.027	545	6.422
Total Operations Profit (Loss)	2,589	2,512	3.065	2,419	7.027
Net Profit (Loss) before Zakat and Income Tax	1,600	1,526	4.849	1,350	18.518
Net Profit (Loss) Attributable to Shareholders of the Issuer	1,359	1,304	4.217	1,147	18.482
Total Comprehensive Income Attributable to Shareholders of the Issuer	1,092	1,536	-28.906	1,261	-13.402
Total Operating Expenses Before Provisions for Credit and Other Losses	862	786	9.669	924	-6.709
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	135	205	-34.146	152	-11.184
All figures are in (Millions) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Assets	284,891	265,270	7.396
Investments	61,637	52,931	16.447
Loans And Advances Portfolio (Financing And Investment)	198,639	179,057	10.936
Clients' deposits	208,021	195,619	6.339
Total Shareholders Equity (after Deducting Minority Equity)	49,255	42,378	16.227
Profit (Loss) per Share	0.6	0.65
All figures are in (Millions) Saudi Arabia, Riyals

Element List	Amount	Percentage of the capital (%)
Profit (Losses) Resulting From The Change In Investment Propertie’s Fair Value	-	-
All figures are in (Millions) Saudi Arabia, Riyals

Element List	Explanation
The reason of the increase (decrease) in special commission income during the current quarter compared to the same quarter of the last year is	The increase in total special commission income by 12.07% is mainly due to the increase in net loans and advances portfolio by 10.94% and increase in net investments portfolio by 16.45%.
The reason of the increase (decrease) in the net profit during the current quarter compared to the same quarter of the last year is	Net income recorded a growth compared to the same period of prior year. That is primarily due to the increase in net special commission income, dividend income, net trading income, net other operating income and net gains/ (losses) on non-trading instruments. Whereas this was supported by reduction in net allowance charges for ECL and other provisions. However, this growth was partially offset by the increase in the costs related to salaries and employee related expenses, other general and administrative expenses, depreciation and amortisation and premises related expenses. That is along with the reduction in net gains/ (losses) on FVSI financial instruments, net fee and commission income and net exchange income.
The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current quarter compared to the same quarter of the last year is	The ECL charge during the period decreased. That is primarily driven by improving portfolio credit quality. The Bank’s resilient asset quality and efficient provisioning approach, alongside the continued effectiveness of the Bank’s practices in alignment with the IFRS 9, collectively contributed to an overall decline in the net provisions for expected credit and other assets.
The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is	The increase in total special commission income by 2.76% is mainly due to the increase in net loans and advances portfolio by 1.71% and increase in net investments portfolio by 2.71%.
The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is	Net income recorded a growth compared to the previous quarter. That is primarily due to the increase in net special commission income, net fee and commission income, dividend income, net other operating income and net trading income. Whereas this was supported by reduction in salaries and employee related expenses and net allowance charges for ECL and other provisions. However, this growth was partially offset by the increase in the costs related to other general and administrative expenses, premises related expenses and depreciation and amortisation. That is along with the reduction in net gains/ (losses) on FVSI financial instruments, net gains/ (losses) on non-trading instruments and net exchange income.
The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current quarter compared to the previous quarter is	The ECL charge during the period decreased. That is primarily driven by improving portfolio credit quality. The Bank’s resilient asset quality and efficient provisioning approach, alongside the continued effectiveness of the Bank’s practices in alignment with the IFRS 9, collectively contributed in an overall decline in the net provisions for expected credit and other assets.
Statement of the type of external auditor's report	Unmodified Conclusion
Comment mentioned in the external auditor’s report, mentioned in any of the following paragraphs (other matter, conservation, notice, disclaimer of opinion, or adverse opinion)	None.
Reclassification of Comparison Items	Certain comparative period figures have been reclassified/ restated to conform with current period presentation, as per the interim condensed consolidated financial statements.
Additional Information	Basic and diluted earnings per share for the periods ending on March 31, 2026 and 2025 is calculated by dividing net income for the period attributable to equity holders, adjusted for Tier 1 Sukuk costs, by the weighted average number of outstanding shares as of March 31, 2026: 1,990.9 million shares (March 31, 2025: 1,999.7 million shares) after accounting for treasury shares.