Arab National Bank announces its Interim Financial Results for the Period Ending on 2025-09-30 ( Nine Months ) | premargin

Arab National Bank announces its Interim Financial Results for the Period Ending on 2025-09-30 ( Nine Months )

TadawulOctober 22, 2025View on exchange

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Total Income From Special Commission of Financing	3,163	3,115	1.54	3,107	1.802
Total Income From Special Commission of Investment	742	657	12.937	794	-6.549
Net Income From Special Commission of Financing	1,592	1,577	0.951	1,587	0.315
Net Income From Special Commission of Investment	416	498	-16.465	586	-29.01
Total Operations Profit (Loss)	2,392	2,409	-0.705	2,594	-7.787
Net Profit (Loss) before Zakat and Income Tax	1,554	1,462	6.292	1,555	-0.064
Net Profit/(Loss)	1,329	1,243	6.918	1,336	-0.523
Total Comprehensive Income	1,642	1,527	7.531	1,345	22.081
Total Operating Expenses Before Provisions for Credit and Other Losses	825	789	4.562	831	-0.722
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	19	165	-88.484	216	-91.203
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	9,184	8,914	3.028
Total Income From Special Commission of Investment	2,191	1,902	15.194
Net Income From Special Commission of Financing	4,698	4,539	3.502
Net Income From Special Commission of Investment	1,452	1,405	3.345
Total Operations Profit (Loss)	7,516	7,054	6.549
Net Profit (Loss) before Zakat and Income Tax	4,639	4,318	7.433
Net profit (Loss)	3,970	3,710	7.008
Total Comprehensive Income	4,523	3,617	25.048
Assets	280,486	242,290	15.764
Investments	57,891	51,032	13.44
Loans And Advances Portfolio (Financing And Investment)	191,356	166,330	15.045
Clients' deposits	210,697	180,852	16.502
Total Shareholders Equity (after Deducting Minority Equity)	47,152	37,679	25.141
Total Operating Expenses Before Provisions for Credit and Other Losses	2,457	2,256	8.909
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	441	493	-10.547
Profit (Loss) per Share	1.94	1.86
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 special commission income by 3.53% is mainly due to the increase in net loans and advances portfolio by 15.05% and increase in net investments portfolio by 13.44%.
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 similar quarter of previous year. That is primarily due to the increase in net fee and commission income, net gains/ (losses) on non-trading instruments, net exchange income and net gains/ (losses) on FVSI financial instruments. Whereas this was supported by reduction in impairment charges on other real estate owned, net allowance charges for ECL and other provisions, other general and administrative expenses and premises related expenses. However, this growth was partially offset by the increase in the costs related to salaries and employee related expenses and depreciation and amortisation. That is along with the reduction in net special commission income, net trading income, dividend income and net other operating 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, has decreased, that is primarily driven by improvements in portfolio credit quality and favorable changes in macroeconomic indicators. This reflects the continued effectiveness of the Bank’s practices in alignment with the IFRS 9. Consedring the decrease in the impairment charges on other real estate owned. This is resulted in 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 special commission income by 0.10% is mainly due to the increase in net loans and advances portfolio by 2.62% and increase in net investments portfolio by 5.36%.
The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is	Net income recorded a decline compared to the previous quarter. That is primarily due to the reduction in net special commission income, dividend income, net fee and commission income, net trading income and net gains/ (losses) on FVSI financial instruments. Whereas this was contributed as well by the increase in salaries and employee related expenses, depreciation and amortisation and premises related expenses. However, this decline was partially offset by the increase related to net gains/ (losses) on non-trading instruments, net other operating income and net exchange income. That is along with the reduction in impairment charges on other real estate owned, net allowance charges for ECL and other provisions and other general and administrative expenses.
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, has decreased, that is primarily driven by improvements in portfolio credit quality and favorable changes in macroeconomic indicators. This reflects the continued effectiveness of the Bank’s practices in alignment with the IFRS 9. Considering the decrease in the impairment charges on other real estate owned. This is resulted in 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 period compared to the same period of the last year is	The increase in special commission income by 5.17% is mainly due to the increase in net loans and advances portfolio by 15.05% and increase in net investments portfolio by 13.44%.
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 income recorded a growth compared to the same period of prior year. That is primarily due to the increase in net special commission income, net fee and commission income, net gains/ (losses) on FVSI financial instruments, dividend income and net exchange income. Whereas this was supported by reduction in impairment charges on other real estate owned and premises related expenses. However, this growth was partially offset by the increase in the costs related to salaries and employee related expenses, net allowance charges for ECL and other provisions, depreciation and amortisation and other general and administrative expenses. That is along with the reduction in net gains/ (losses) on non-trading instruments, net other operating income and net trading income.
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	The ECL charge during the period, has increased, that is mainly due to portfolio growth and consistent with the macroeconomic assumptions, in line with the IFRS 9 model. This reflects a forward-looking approach, supporting the Bank’s overall financial stability. Considering the decrease in the impairment charges on other real estate owned. This is resulted 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)	Other matter: The consolidated financial statements for the year ended December 31, 2024 and the interim financial information for the three and nine-months period ended September 30, 2024 were jointly audited and reviewed respectively by another joint auditor who expressed an unmodified audit opinion and unmodified review conclusion on those statements on February 13, 2025 (corresponding to Sha’ban 14, 1446H) and October 28, 2024 (corresponding to Rabi al-Thani 25, 1446H) respectively.
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 September 30, 2025 and 2024 is calculated by dividing net income for the period attributable to equity holders by the weighted average number of outstanding shares as of September 30, 2025: 1,992 million shares (September 30, 2024: 2,000 million shares) after accounting for treasury shares.