premargin

Element List	Current Year	Previous Year	%Change
Total Income From Special Commission of Financing	24,155,057	21,628,218	11.68
Total Income From Special Commission of Investment	2,927,834	2,553,908	14.64
Net Income From Special Commission of Financing	12,087,375	11,564,274	4.52
Net Income From Special Commission of Investment	984,131	1,308,993	-24.82
Total Operations Profit (Loss)	18,381,116	17,284,531	6.34
Net Profit (Loss) before Zakat and Income Tax	11,607,707	10,396,938	11.64
Net Profit (Loss) Attributable to Shareholders of the Issuer	10,410,951	9,321,894	11.68
Total Comprehensive Income Attributable to Shareholders of the Issuer	11,076,605	9,754,208	13.56
Assets	519,481,291	451,402,881	15.08
Investments	79,512,892	70,120,446	13.39
Loans And Advances Portfolio (Financing And Investment)	373,304,812	320,089,491	16.62
Clients' deposits	331,721,047	306,423,391	8.26
Total Shareholders Equity (after Deducting Minority Equity)	64,105,257	59,007,482	8.64
Total Operating Expenses Before Provisions for Credit and Other Losses	5,432,826	5,285,601	2.79
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	1,374,391	1,632,346	-15.8
Profit (Loss) per Share	3.29	3.01
All figures are in (Thousands) 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 (Thousands) Saudi Arabia, Riyals

Element List	Explanation
The reason of the increase (decrease) in the special commission income during the current year compared to the last year is	The special commission income increased by 12.0% due to an increase in special commission income from loans and advances, investments, and due from banks.
The reason of the increase (decrease) in the net profit during the current year compared to the last year is	Net income increased by 11.7% mainly due to an increase in total operating income and a decrease in total operating expenses. Total operating income increase was due to an increase in fee and commission income net, trading income, net, net special commission income, gains on non-trading investments, net, other operating income, partially offset by decrease in exchange income, dividend income. The total operating expenses decrease was due to a decrease in impairment charge for credit losses, net, other general and administrative expenses, and impairment charge for other financial assets, net, partially offset by an increase in other operating expenses, salaries and employee related expenses, depreciation of property, equipment and right of use assets, rent and premises related expense, and impairment charge for investments, net.
The reason of the increase (decrease) in the total net provision of expected credit losses and other losses (reversing entry) during the current year compared to the last year is	Net provision of expected credit losses and other losses decreased by 15.8% due to a decrease in impairment charge of credit losses, net, and impairment charge for other financial assets, net, partially offset by an increase in impairment charge for investments, net.
Statement of the type of external auditor's report	Unmodified opinion
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)	N/A
Reclassification of Comparison Items	Some items have been re-classified
Additional Information	Investments and other reserves balances for the comparative period (31 December 2024) have been restated. Basic and diluted earnings per share for the year ended December 31, 2025, are calculated on a weighted average basis by dividing the net income adjusted for Tier 1 sukuk costs for the year, by 2,991 million shares (2024: 2,995 million shares), after excluding treasury shares.

Riyad Bank announces its Annual Financial results for the Period Ending on 2025-12-31