| Element List | Current Quarter | Similar quarter for previous year | %Change | Previous Quarter | % Change |
|---|---|---|---|---|---|
| Total Income From Special Commission of Financing | 11,573 | 11,130 | 3.98 | 10,899 | 6.184 |
| Total Income From Special Commission of Investment | 3,588 | 3,250 | 10.4 | 3,424 | 4.789 |
| Net Income From Special Commission of Financing | 6,734 | 6,902 | -2.434 | 6,600 | 2.03 |
| Net Income From Special Commission of Investment | 353 | 150 | 135.333 | 654 | -46.024 |
| Total Operations Profit (Loss) | 9,507 | 8,916 | 6.628 | 9,615 | -1.123 |
| Net Profit (Loss) before Zakat and Income Tax | 6,865 | 5,729 | 19.828 | 6,719 | 2.172 |
| Net Profit/(Loss) | 6,137 | 5,231 | 17.319 | 6,022 | 1.909 |
| Total Comprehensive Income | 6,313 | 4,949 | 27.561 | 6,730 | -6.196 |
| Total Operating Expenses Before Provisions for Credit and Other Losses | 2,765 | 2,748 | 0.618 | 2,727 | 1.393 |
| Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net | -173 | 120 | - | 34 | - |
| 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 | 22,472 | 21,751 | 3.314 |
| Total Income From Special Commission of Investment | 7,012 | 6,182 | 13.426 |
| Net Income From Special Commission of Financing | 13,334 | 13,525 | -1.412 |
| Net Income From Special Commission of Investment | 1,007 | 439 | 129.384 |
| Total Operations Profit (Loss) | 19,122 | 17,856 | 7.09 |
| Net Profit (Loss) before Zakat and Income Tax | 13,584 | 11,426 | 18.886 |
| Net profit (Loss) | 12,159 | 10,270 | 18.393 |
| Total Comprehensive Income | 13,044 | 8,672 | 50.415 |
| Assets | 1,200,998 | 1,088,112 | 10.374 |
| Investments | 315,460 | 286,735 | 10.017 |
| Loans And Advances Portfolio (Financing And Investment) | 714,839 | 637,235 | 12.178 |
| Clients' deposits | 658,675 | 632,693 | 4.106 |
| Total Shareholders Equity (after Deducting Minority Equity) | 197,278 | 179,202 | 10.086 |
| Total Operating Expenses Before Provisions for Credit and Other Losses | 5,491 | 5,410 | 1.497 |
| Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net | -139 | 775 | - |
| Profit (Loss) per Share | 1.95 | 1.66 | |
| 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 5.4% reaching to SAR 15.2 billion due to 4.0% increase in special commission income from financing portfolio coupled with 10.4% 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 17.3% reaching SAR 6.1 billion in Q2 2025 driven by higher net special commission income and operating income and lower net impairment charge for expected credit losses. Total operating income increased by 6.6% reaching SAR 9.5 billion, driven by higher net special commission income by 0.5%, fees from banking services by 20.6%, exchange income by 41.5%, and total investment gains/income by 23.6%. While net impairment charge for expected credit losses decreased by 243.6%. |
| 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 decreased by 243.6%, driven by strong credit quality and higher recoveries. |
| 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 5.8% reaching to SAR 15.2 billion due to 6.2% increase in special commission income from financing portfolio coupled with 4.8% 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 previous quarter is | Increase in net profit attributable to equity holders' of the bank by 1.9% reaching SAR 6.1 billion mainly due to lower impairment charge for expected credit losses by 603.4%. |
| 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 decreased by 603.4%, driven by strong credit quality and higher recoveries. |
| 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 5.6% reaching to SAR 29.5 billion due to 3.3% increase in special commission income from financing portfolio coupled with 13.4% 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 18.4% reaching SAR 12.2 billion driven by higher net special commission income, operating income, and lower net impairment charge for expected credit losses. Total operating income increased by 7.1% reaching SAR 19.1 billion, driven by higher net special commission income by 2.7%, fees from banking services by 13.2%, exchange income by 20.8%, and total investment gains/income by 28.7%. While net impairment charge for expected credit losses decreased by 117.9%. |
| 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 impairment charge for expected credit losses decreased by 117.9%, driven by strong credit quality and higher recoveries. |
| 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 Tier 1 Sukuk costs) for the periods by the weighted average number of shares outstanding. Total assets expanded by 8.8% during the period compared to December 2024. The main drivers were 9.3% growth in financing, principally 20.0% growth in wholesale financing and 4.0% growth in mortgages. This was coupled with 7.9% growth in investments portfolio. Customers’ deposits rose by 13.6% during the period compared to December 2024. |
