premargin

Al Rajhi Bank announces its Interim Financial Results for the Period Ending on 2026-03-31 ( Three Months ) | premargin

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Total Income From Special Commission of Financing	12,266	10,931	12.212	12,417	-1.216
Total Income From Special Commission of Investment	2,241	2,240	0.044	2,335	-4.025
Net Income From Special Commission of Financing	7,480	6,196	20.723	7,282	2.719
Net Income From Special Commission of Investment	925	901	2.663	868	6.566
Total Operations Profit (Loss)	10,528	9,200	14.434	10,409	1.143
Net Profit (Loss) before Zakat and Income Tax	7,440	6,587	12.949	7,104	4.729
Net Profit (Loss) Attributable to Shareholders of the Issuer	6,752	5,906	14.324	6,375	5.913
Total Comprehensive Income Attributable to Shareholders of the Issuer	6,316	5,819	8.54	6,408	-1.435
Total Operating Expenses Before Provisions for Credit and Other Losses	2,457	2,088	17.672	2,680	-8.32
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	631	525	20.19	626	0.798
All figures are in (Millions) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Assets	1,051,268	1,020,631	3.001
Investments	173,081	177,909	-2.713
Loans And Advances Portfolio (Financing And Investment)	753,730	722,785	4.281
Clients' deposits	678,734	657,179	3.279
Total Shareholders Equity (after Deducting Minority Equity)	152,507	133,977	13.83
Profit (Loss) per Share	1.59	1.41
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 financing and investment income Increased by 18.4% 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 quarter compared to the same quarter of the last year is	Net income increased due to an increase in total operating income by 14.4% caused by an increase in net financing and investment income, fees from banking services and exchange income, while there was a decreased in other operating income. In contrast, the total operating expenses including impairment charges for financing increased by 18.2% due to an increase in general and administrative expenses and salaries and employees’ related benefits, while there was a decreased in depreciation expense. In addition, there was an increase in impairment charge for financing from SAR 525 million to SAR 631 million by 20.2%.
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 increase in the net provision for expected credit losses is attributed to the increase in gross charge by 17.8% coupled with a rise in recoveries from written off financing by 15.7% compared to the same period of the last year.
The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is	Net financing and investment income Increased by 3.1% caused by a decrease in gross financing and investment return, and decrease in gross financing and investment income.
The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is	Net income increased due to an increase in total operating income by 1.1% caused by an increase in net financing and investment income and fees from banking services, while there was a decrease in other operating income and exchange income. In contrast, the total operating expenses including impairment charges for financing decreased by 6.6% due to a decreased in depreciation expense and other general and administrative expenses, while there was an increased in salaries and employees’ related benefits. In addition, there was an increased in impairment charge for financing from SAR 626 million to SAR 631 million by 0.8%.
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 increase in the net provision for expected credit losses is attributed to the decrease in gross charge by 11.6% coupled with a reduction in recoveries from written off financing by 20.6% compared to last quarter.
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	Some items have been re-classified
Additional Information	-