premargin

Element List	Current Year	Previous Year	%Change
Total Income From Special Commission of Financing	46,233	39,779	16.22
Total Income From Special Commission of Investment	9,617	7,239	32.85
Net Income From Special Commission of Financing	25,990	22,088	17.66
Net Income From Special Commission of Investment	3,856	2,755	39.96
Total Operations Profit (Loss)	39,094	32,055	21.96
Net Profit (Loss) before Zakat and Income Tax	27,646	21,968	25.85
Net Profit (Loss) Attributable to Shareholders of the Issuer	24,792	19,722	25.71
Total Comprehensive Income Attributable to Shareholders of the Issuer	25,685	19,507	31.67
Assets	1,043,268	972,444	7.28
Investments	174,305	175,034	-0.42
Loans And Advances Portfolio (Financing And Investment)	752,760	693,410	8.56
Clients' deposits	667,288	654,989	1.88
Total Shareholders Equity (after Deducting Minority Equity)	142,762	123,033	16.04
Total Operating Expenses Before Provisions for Credit and Other Losses	9,127	7,971	14.5
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	2,320	2,117	9.59
Profit (Loss) per Share	5.85	4.67
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 the special commission income during the current year compared to the last year is	Net financing and investment income Increased by 20.1% caused by an increase in gross financing and investment income, while there was an increase in gross financing and investment return.
The reason of the increase (decrease) in the net profit during the current year compared to the last year is	Net income increased due to an increase in total operating income by 22% caused by an increase in net financing and investment income, fees from banking services, other operating income and exchange income. In contrast, the total operating expenses including impairment charges for financing increased by 13.5% due to an increase in other general and administrative expenses, depreciation expense and salaries and employees’ related benefits. In addition, there was an increase in impairment charge for financing from SAR 2,117 million to SAR 2,320 million by 9.6%.
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	The increase in the net provision for expected credit losses is attributed to the increase in gross charge by 25.7% coupled with a rise in recoveries from written off financing by 41.4% compared to the same period of the last year.
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	During the year, term financing and certificate of deposits have been reclassified from “Due to banks, Saudi Central Bank and other financial institutions” to “Debt securities issued and term financing”, also some deposits have been reclassified from the same item to “Customers’ deposits” in order to reflect the Group’s funding profile, in addition to the mentioned reclassification, certain insignificant prior periods figures have been reclassified to conform to current period presentation.
Additional Information	N/A

Al Rajhi Bank announces its Annual Financial results for the Period Ending on 2025-12-31