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Banque Saudi Fransi (BSF) announces its Annual Financial Results for the year ending on 31-12-2025
| Element List | Current Year | Previous Year | %Change | ||
|---|---|---|---|---|---|
| Total Income From Special Commission of Financing | 14,768 | 14,018 | 5.35 | ||
| Total Income From Special Commission of Investment | 2,791 | 2,354 | 18.56 | ||
| Net Income From Special Commission of Financing | 7,540 | 6,393 | 17.94 | ||
| Net Income From Special Commission of Investment | 1,152 | 1,490 | -22.68 | ||
| Total Operations Profit (Loss) | 10,537 | 9,658 | 9.1 | ||
| Net Profit (Loss) before Zakat and Income Tax | 5,989 | 5,069 | 18.15 | ||
| Net Profit (Loss) Attributable to Shareholders of the Issuer | 5,353 | 4,544 | 17.8 | ||
| Total Comprehensive Income Attributable to Shareholders of the Issuer | 6,704 | 4,834 | 38.68 | ||
| Assets | 309,006 | 293,307 | 5.35 | ||
| Investments | 68,682 | 60,820 | 12.93 | ||
| Loans And Advances Portfolio (Financing And Investment) | 214,891 | 204,168 | 5.25 | ||
| Clients' deposits | 195,219 | 185,118 | 5.46 | ||
| Total Shareholders Equity (after Deducting Minority Equity) | 50,659 | 47,138 | 7.47 | ||
| Total Operating Expenses Before Provisions for Credit and Other Losses | 3,559 | 3,409 | 4.4 | ||
| Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net | 989 | 1,180 | -16.19 | ||
| Profit (Loss) per Share | 1.97 | 1.72 | |||
| 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 the special commission income during the current year compared to the last year is | The gross special commission income increased by 7.3% mainly due to higher return from financing and investments while net special commission income also increased by 10.3%. |
| 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 a 9.1% rise in total operating income, coupled with a 0.9% decline in total operating expenses. This growth in total operating income was primarily driven by higher net special commission income, gains on non-trading investments and other operating income, although it was partly countered by a decrease in trading income and net fee and commission income. The decrease in total operating expenses was primarily due to lower impairment charges for expected credit losses on loans and advances which was partially offset by other operating and general and administrative expenses and depreciation and amortization. |
| 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 | Net impairment charges for financing and other financial assets decreased by 16.2% mainly due to lower impairment charge for expected credit losses on loans and advances as well as lower impairment charge for other financial assets. |
| 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) | None |
| Reclassification of Comparison Items | Certain prior period numbers have been re-classified to be aligned with the current period presentation. |
| Additional Information | Net Income after zakat for the 3 months period ended 31 December 2025 was SAR 1,260 million compared to SAR 1,117 million for the same period of last year. Net Income after zakat for the 3 months period ended 30 September 2025 was SAR 1,353 million. Net Income from Special Commission of Investment is calculated after deducting special commission expense from debt securities and term loans. The Bank has restated the previous period end balances (31 December 2024) in regard to Investments and Other reserves in the consolidated statement of financial position. EPS for the current and the previous years is calculated by dividing the net income after zakat for the period (adjusted for Tier 1 capital costs) by the weighted average number of shares outstanding after excluding treasury shares. Tier 1 Capital amounting to SAR 7.9 billion is included as part of total shareholders’ equity as of 31 December 2025 compared to SAR 8.0 billion as of 31 December 2024. |
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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