The Saudi National Bank announces its Interim Financial Results for the Period Ending on 2026-06-30 ( Six Months )

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Total Income From Special Commission of Financing	11,721	11,573	1.278	11,377	3.023
Total Income From Special Commission of Investment	3,683	3,585	2.733	3,383	8.867
Net Income From Special Commission of Financing	7,056	6,733	4.797	7,138	-1.148
Net Income From Special Commission of Investment	839	351	139.031	358	134.357
Total Operations Profit (Loss)	10,583	9,510	11.282	9,650	9.668
Net Profit (Loss) before Zakat and Income Tax	7,424	6,865	8.142	7,289	1.852
Net Profit (Loss) Attributable to Shareholders of the Issuer	6,606	6,137	7.642	6,423	2.849
Total Comprehensive Income Attributable to Shareholders of the Issuer	7,042	6,389	10.22	5,146	36.844
Total Operating Expenses Before Provisions for Credit and Other Losses	2,790	2,765	0.904	2,801	-0.392
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	258	-170	-	-578	-
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	23,098	22,472	2.785
Total Income From Special Commission of Investment	7,066	7,006	0.856
Net Income From Special Commission of Financing	14,194	13,332	6.465
Net Income From Special Commission of Investment	1,197	1,003	19.341
Total Operations Profit (Loss)	20,233	19,122	5.81
Net Profit (Loss) before Zakat and Income Tax	14,713	13,584	8.311
Net Profit (Loss) Attributable to Shareholders of the Issuer	13,029	12,159	7.155
Total Comprehensive Income Attributable to Shareholders of the Issuer	12,187	13,280	-8.23
Assets	1,244,688	1,200,998	3.637
Investments	322,219	315,460	2.142
Loans And Advances Portfolio (Financing And Investment)	739,563	714,839	3.458
Clients' deposits	698,170	658,675	5.996
Total Shareholders Equity (after Deducting Minority Equity)	214,335	197,278	8.646
Total Operating Expenses Before Provisions for Credit and Other Losses	5,591	5,491	1.821
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	-320	-139	130.215
Profit (Loss) per Share	2.11	1.95
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	Increase in special commission income by 1.6% reaching to SAR 15.4 billion due to 1.3% increase in special commission income from financing portfolio coupled with 2.8% increase in special commission income from investments 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	Net income attributable to equity holders of the Bank grew by 7.6% reaching SAR 6.6 billion in Q2 2026 driven by higher total operating income. Total operating income increased by 11.3% reaching SAR 10.6 billion, driven by higher net special commission income by 11.4%, total investment gains/income by 34.0%, and net exchange income by 3.3%
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 impairment charge for expected credit losses increased by 251.8%.
The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is	Increase in special commission income by 4.4% reaching to SAR 15.4 billion due to 3.0% increase in special commission income from financing portfolio coupled with 8.9% increase in special commission income from investments portfolio.
The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is	Net income attributable to equity holders of the Bank grew by 2.8% reaching SAR 6.6 billion in Q2 2026 driven by higher total operating income. Total operating income increased by 9.7% reaching SAR 10.6 billion, driven by higher net special commission income by 5.3%, and total investment gains/income by 102.0%.
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 impairment charge for expected credit losses increased by 144.6%.
The reason of the increase (decrease) in special commission income during the current period compared to the same period of the last year is	Increase in special commission income by 2.3% reaching to SAR 30.2 billion due to 2.8% increase in special commission income from financing portfolio coupled with 0.9% increase in special commission income from investments portfolio.
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 attributable to equity holders of the Bank grew by 7.2% reaching SAR 13.0 billion driven by higher total operating income along with lower total operating expenses. Total operating income increased by 5.8% reaching SAR 20.2 billion, driven by higher net special commission income by 7.4%, total investment gains/income by 3.0%, and fees from banking services by 2.9% and exchange income, net by 20.8%. While total operating expenses decreased by 1.5%, driven by lower rent and premises-related expenses by 8.9% and depreciation/amortisation of property, equipment, software and right of use assets expenses by 3.4%.
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	Increase in provision reversal for expected credit losses by 131.0%.
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 insignificant prior period's figures have been reclassified to conform to current period presentation.
Additional Information	EPS for the current and previous period is calculated by dividing the net income attributable to common equity holders of the bank (adjusted for Additional Tier 1 capital related costs) for the periods by the weighted average number of shares outstanding. Total assets expanded by 2.9% during the period compared to December 2025. The main drivers were 1.4% growth in financing, principally 2.4% growth in retail and 0.5% growth in wholesale financing. This was coupled with 0.7% growth in investments portfolio. Customers’ deposits rose by 9.8% during the period compared to December 2025.