| Element List | Current Year | Previous Year | %Change | ||
|---|---|---|---|---|---|
| Total Income From Special Commission of Financing | 7,289.3 | 6,752.5 | 7.95 | ||
| Total Income From Special Commission of Investment | 2,402.7 | 2,111.5 | 13.79 | ||
| Net Income From Special Commission of Financing | 2,698.9 | 2,790.6 | -3.29 | ||
| Net Income From Special Commission of Investment | 828.9 | 746.1 | 11.1 | ||
| Total Operations Profit (Loss) | 4,794.2 | 4,178 | 14.75 | ||
| Net Profit (Loss) before Zakat and Income Tax | 2,840.5 | 2,269.9 | 25.14 | ||
| Net Profit (Loss) Attributable to Shareholders of the Issuer | 2,431.5 | 1,956.6 | 24.27 | ||
| Total Comprehensive Income Attributable to Shareholders of the Issuer | 2,634.7 | 2,041.1 | 29.08 | ||
| Assets | 172,720 | 157,069 | 9.96 | ||
| Investments | 47,197 | 40,834 | 15.58 | ||
| Loans And Advances Portfolio (Financing And Investment) | 112,070 | 99,466 | 12.67 | ||
| Clients' deposits | 109,619 | 94,013 | 16.6 | ||
| Total Shareholders Equity (after Deducting Minority Equity) | 17,121 | 15,819 | 8.23 | ||
| Total Operating Expenses Before Provisions for Credit and Other Losses | 1,723.5 | 1,734.5 | -0.63 | ||
| Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net | 354.9 | 290 | 22.38 | ||
| Profit (Loss) per Share | 1.68 | 1.43 | |||
| 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 the special commission income during the current year compared to the last year is | Net special commission income decreased marginally by 0.3% primarily due to an increase in special commission expense despite the increase in special commission income. |
| The reason of the increase (decrease) in the net profit during the current year compared to the last year is | Net profit increased by 24.3% due to an increase in total operating income. Total operating income increased by 14.7% primarily due to an increase in other income, exchange income, fee income from banking services and gains on disposals of FVOCI debt securities, which was partially offset by a decrease in net special commission income and fair value through statement of income. Total operating expenses increased by 2.7% due to an increase in provisions for credit and other losses, salaries and employee-related expenses and depreciation & amortization, which was mostly offset by a decrease in general and administrative expenses. |
| 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 increased by 22.4% mainly due to a higher net charge for loans and advances. |
| 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 | Certain prior year amounts have been reclassified to conform to current year presentation. |
| Additional Information | Earnings per share for the year ended December 31, 2025 and 2024 was SAR 1.68 and 1.43 respectively, which was calculated by dividing net income adjusted for Tier I Sukuk costs by 1,247 million shares and 1, 249 million shares respectively representing the issued and outstanding shares after giving effect of the purchase of 2.7 million treasury shares. The Bank has restated the previous period end balances (31 December 2024) in regard to Investments and Other reserves. Other income contains the profit from Sale of other real estate through a Public Auction. |
