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SHL Finance Co. 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	108,477	95,332	13.788	107,221	1.171
Net Income From Special Commission of Financing	63,456	45,879	38.311	58,036	9.339
Net Income From Special Commission of Investment	-	-	-	-	-
Total Operations Profit (Loss)	63,456	45,879	38.311	58,036	9.339
Net Profit (Loss) before Zakat and Income Tax	23,564	16,671	41.347	20,446	15.249
Net Profit (Loss) Attributable to Shareholders of the Issuer	18,810	14,086	33.536	16,401	14.688
Total Comprehensive Income Attributable to Shareholders of the Issuer	18,633	13,497	38.052	16,338	14.047
Total Operating Expenses Before Provisions for Credit and Other Losses	90,243	82,005	10.045	89,675	0.633
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	-576	-759	-24.11	1,145	-
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Assets	4,796,208	4,510,555	6.332
Investments	893	893	-
Loans And Advances Portfolio (Financing And Investment)	4,606,434	4,368,069	5.456
Clients' deposits	-	-	-
Total Shareholders Equity (after Deducting Minority Equity)	1,756,154	1,701,136	3.234
Profit (Loss) per Share	0.19	0.14
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 special commission income during the current quarter compared to the same quarter of the last year is	The Company recorded total income from special financing commissions of SR 108.48 million for the current quarter, compared to SR 95.33 million for the same quarter of the previous year, an increase of 13.8%. The increase is primarily driven by higher profit rates on new originations and growth in the financing portfolio.
The reason of the increase (decrease) in the net profit during the current quarter compared to the same quarter of the last year is	The Company recorded a net profit of SR 18.81 million for the current quarter, compared to SR 14.09 million for the same quarter of the previous year, an increase of 33.5%. The increase is primarily driven by higher profit rates on new originations and growth in the financing portfolio.
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 Company recognized a net reversal of ECL provisions of SR 0.58 million during the current quarter, compared to SR 0.76 million during the same quarter of the previous year. The reduction in the net ECL charge is attributable to the collection performance of the financing portfolio and the periodic refresh of the ECL model.
The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is	The Company recorded total income from special financing commissions of SR 108.48 million for the current quarter, compared to SR 107.22 million for the previous quarter, an increase of 1.2%. The increase is primarily driven by higher profit rates on new originations and growth in the financing portfolio.
The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is	The Company recorded a net profit of SR 18.81 million for the current quarter, compared to SR 16.40 million for the previous quarter, an increase of 14.7%. The increase is primarily driven by higher profit rates on new originations and growth in the financing portfolio.
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 Company recognized a net reversal of ECL provisions of SR 0.58 million during the current quarter, compared to a net charge of SR 1.14 million during the previous quarter. The reduction in the net ECL charge is attributable to the collection performance of the financing portfolio and the periodic refresh of the ECL model.
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	No comparative figures have been reclassified to conform to the current period presentation.
Additional Information	_The Company is not licensed to accept deposits; accordingly, the deposit disclosure is not applicable. _Net income from special commissions represents total income from special commissions (Total operating income) less finance charges and direct costs as presented in the statement of profit or loss.