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Alinma Bank announces its Interim Financial Results for the Period Ending on 2025-06-30 ( Six Months )

1150
ALINMA
0.41 %
1447/01/29     24/07/2025 08:00:45

Element ListCurrent QuarterSimilar quarter for previous year%ChangePrevious Quarter% Change
Total Income From Special Commission of Financing 3,6653,488.85.053,550.53.224
Total Income From Special Commission of Investment 589.4472.924.635567.13.932
Net Income From Special Commission of Financing 1,957.11,8943.3311,968.5-0.579
Net Income From Special Commission of Investment 314.7256.722.594314.40.095
Total Operations Profit (Loss) 2,946.62,745.77.3162,813.74.723
Net Profit (Loss) before Zakat and Income Tax 1,747.51,579.410.6431,681.43.931
Net Profit/(Loss) 1,573.31,416.611.0611,5084.33
Total Comprehensive Income 1,483.51,355.99.411,697.6-12.611
Total Operating Expenses Before Provisions for Credit and Other Losses 917.3834.19.974904.91.37
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net 281.3326.6-13.87226.324.304
All figures are in (Millions) Saudi Arabia, Riyals


Element ListCurrent PeriodSimilar period for previous year%Change
Total Income From Special Commission of Financing 7,215.46,827.65.679
Total Income From Special Commission of Investment 1,156.5932.923.968
Net Income From Special Commission of Financing 3,925.63,662.37.189
Net Income From Special Commission of Investment 629.2500.425.739
Total Operations Profit (Loss) 5,760.35,310.28.476
Net Profit (Loss) before Zakat and Income Tax 3,428.93,045.312.596
Net profit (Loss) 3,081.32,731.312.814
Total Comprehensive Income 3,181.12,663.619.428
Assets 297,216.4260,138.414.253
Investments 51,639.546,630.610.741
Loans And Advances Portfolio (Financing And Investment) 218,596.2189,91215.103
Clients' deposits 229,944.2205,356.611.973
Total Shareholders Equity (after Deducting Minority Equity) 44,774.640,037.311.832
Total Operating Expenses Before Provisions for Credit and Other Losses 1,822.21,667.69.27
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net 507.6591-14.111
Profit (Loss) per Share 1.151.06
All figures are in (Millions) Saudi Arabia, Riyals


Element ListAmountPercentage 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 ListExplanation
The reason of the increase (decrease) in special commission income during the current quarter compared to the same quarter of the last year is Income from investments and financing increased mainly due to growth in financing and investments volume.
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 the increase in total operating income by 7.3%, mainly due to the increase in net income from financing and investment, fee income, FVIS income and other operating income partly offset with the lower exchange 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 decrease in impairment charge on financing and other financial assets during the current quarter compared to similar quarter last year is mainly due to onboarding of better-quality new assets.
The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is Net income from investments and financing decreased mainly due to growth in time deposits and its attributable higher cost of fund.
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 the increase in total operating income by 4.7%, mainly due to the increase in fee income, exchange income, FVIS income and other operating income partly offset with the lower net income from financing and investment.
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 impairment charge on financing and other financial assets during the current quarter compared to previous quarter is mainly due to growth in financing and investment portfolio.
The reason of the increase (decrease) in special commission income during the current period compared to the same period of the last year is Income from investments and financing increased mainly due to growth in financing and investments volume.
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 increased due to the increase in total operating income by 8.5%, mainly due to the increase in net income from financing and investment, fee income and exchange 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 decrease in impairment charge on financing and other financial assets during the current period compared to similar period last year is mainly due to onboarding of better-quality new 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) None
Reclassification of Comparison Items Some items have been reclassified.
Additional Information For the calculation of earnings per share, 12.8 million treasury shares have been excluded.

Earnings per share is calculated by dividing the net income after zakat for the period ended 30 June 2025 and 30 June 2024 (adjusted for Tier 1 Sukuk costs) by the weighted average number of outstanding shares, which reached 2,486.9 million shares (2024: 2,485.2 million shares).

The Capital Market Authority and Saudi Exchange take no responsibility for the contents of this disclosure, make no representations as to its accuracy or completeness, and expressly disclaim any liability whatsoever for any loss arising from, or incurred in reliance upon, any part of this disclosure, and the issuer accepts full responsibility for the accuracy of the information contained in it and confirms, having made all reasonable enquiries, that to the best of their knowledge and belief, there are no other facts or information the omission of which would make the disclosure misleading, incomplete or inaccurate.

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