| Element List | Current Quarter | Similar quarter for previous year | %Change | Previous Quarter | % Change |
|---|---|---|---|---|---|
| Total Income From Special Commission of Financing | 1,892.1 | 1,772.8 | 6.729 | 1,802.1 | 4.994 |
| Total Income From Special Commission of Investment | 637.2 | 550.1 | 15.833 | 592 | 7.635 |
| Net Income From Special Commission of Financing | 688.4 | 699.2 | -1.544 | 728.9 | -5.556 |
| Net Income From Special Commission of Investment | 168.9 | 212.3 | -20.442 | 176.6 | -4.36 |
| Total Operations Profit (Loss) | 1,046 | 1,077.9 | -2.959 | 1,069.8 | -2.224 |
| Net Profit (Loss) before Zakat and Income Tax | 602.8 | 598.7 | 0.684 | 595.9 | 1.157 |
| Net Profit/(Loss) | 518.4 | 517.8 | 0.115 | 512.5 | 1.151 |
| Total Comprehensive Income | 612.8 | 849.6 | -27.871 | 554.7 | 10.474 |
| Total Operating Expenses Before Provisions for Credit and Other Losses | 421 | 446.8 | -5.774 | 436.8 | -3.617 |
| Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net | 60.5 | 65.7 | -7.914 | 64.2 | -5.763 |
| All figures are in (Millions) Saudi Arabia, Riyals | |||||
| Element List | Current Period | Similar period for previous year | %Change |
|---|---|---|---|
| Total Income From Special Commission of Financing | 5,425.8 | 4,998 | 8.559 |
| Total Income From Special Commission of Investment | 1,779.3 | 1,548 | 14.941 |
| Net Income From Special Commission of Financing | 2,134.2 | 2,123 | 0.527 |
| Net Income From Special Commission of Investment | 519.2 | 517.7 | 0.289 |
| Total Operations Profit (Loss) | 3,166.1 | 3,095.5 | 2.28 |
| Net Profit (Loss) before Zakat and Income Tax | 1,783.9 | 1,672.4 | 6.667 |
| Net profit (Loss) | 1,534.2 | 1,446.6 | 6.055 |
| Total Comprehensive Income | 1,795.9 | 1,875.4 | -4.239 |
| Assets | 174,912 | 151,653 | 15.336 |
| Investments | 46,377 | 40,687 | 13.984 |
| Loans And Advances Portfolio (Financing And Investment) | 110,581 | 94,936 | 16.479 |
| Clients' deposits | 105,152 | 98,094 | 7.195 |
| Total Shareholders Equity (after Deducting Minority Equity) | 16,432 | 15,738 | 4.409 |
| Total Operating Expenses Before Provisions for Credit and Other Losses | 1,290.3 | 1,297 | -0.516 |
| Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net | 186.2 | 209.8 | -11.248 |
| Profit (Loss) per Share | 1.08 | 1.08 | |
| 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 | - | - | |
| Accumulated Losses | - | - | |
| 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 | Net special commission income decreased by 5.9% 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 quarter compared to the same quarter of the last year is | Net profit increased marginally by 0.1% due to a decrease in total operating expenses. Total operating income decreased by 3.0% primarily due to a decrease in net special commission income, fair value through statement of income which was partially offset by increases in exchange income and fee income from banking services. Total operating expenses decreased by 6.0% primarily due to a decrease in general and administrative expenses, provisions for credit and other losses, and rent and premises related expenses, which was partially offset by an increase in salaries and employee-related expenses, and depreciation and amortization. |
| 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 | Net provision of expected credit losses and other losses decreased by 7.9% mainly due to the improvement in the credit quality of the loans and advances portfolio. |
| The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is | Net special commission income decreased by 5.3% 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 quarter compared to the previous quarter is | Net profit increased by 1.2% due to a decrease in total operating expenses. Total operating income decreased by 2.2% primarily due to a decrease in net special commission income, fee income from banking services, which was partially offset by an increase in fair value through statement of income in addition to an increase in exchange income. Total operating expenses decreased by 3.9% primarily due to a decrease in general and administrative expenses, in addition to a decrease in provisions for credit and other losses. |
| 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 | Net provision of expected credit losses and other losses decreased by 5.9% mainly due to the continued improvement in the credit quality of the loans and advances portfolio. |
| The reason of the increase (decrease) in special commission income during the current period compared to the same period of the last year is | Net special commission income marginally increased by 0.5% due to the increase in special commission income which was offset by the increase in special commission expense. |
| The reason of the increase (decrease) in the net profit during the current period compared to the same period of the last year is | Net profit increased by 6.1% due to an increase in total operating income as well as a decrease in the total operating expense. Total operating income increased by 2.3% primarily due to an increase in exchange income, fee income from banking services, in addition to an increase in net special commission income, and gains on disposals of FVOCI debt securities despite partial decrease in fair value through statement of income. Total operating expenses decreased by 2.0% primarily due to a decrease in general and administrative expenses, in addition to a decrease in provisions for credit and other losses as well as a decrease in rent and premises related expenses, partially offset by an increase in salaries and employee-related expenses and depreciation and amortization. |
| The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current period compared to the same period of the last year is | Net provision of expected credit losses and other losses decreased by 11.3% mainly due to the improvement in the credit quality of the loans and advances portfolio. |
| 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) | N/A. |
| Reclassification of Comparison Items | Certain prior period amounts have been reclassified to conform to current period presentation. |
| Additional Information | Earnings per share for the nine-month period ended September 30, 2025 and 2024 was SAR 1.08 and 1.08 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 weighted average of 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 (30 September 2024) in regard to Investments and Other reserves. |
