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Riyad Bank announces its Annual Financial results for the Period Ending on 2025-12-31
| Element List | Current Year | Previous Year | %Change | ||
|---|---|---|---|---|---|
| Total Income From Special Commission of Financing | 24,155,057 | 21,628,218 | 11.68 | ||
| Total Income From Special Commission of Investment | 2,927,834 | 2,553,908 | 14.64 | ||
| Net Income From Special Commission of Financing | 12,087,375 | 11,564,274 | 4.52 | ||
| Net Income From Special Commission of Investment | 984,131 | 1,308,993 | -24.82 | ||
| Total Operations Profit (Loss) | 18,381,116 | 17,284,531 | 6.34 | ||
| Net Profit (Loss) before Zakat and Income Tax | 11,607,707 | 10,396,938 | 11.64 | ||
| Net Profit (Loss) Attributable to Shareholders of the Issuer | 10,410,951 | 9,321,894 | 11.68 | ||
| Total Comprehensive Income Attributable to Shareholders of the Issuer | 11,076,605 | 9,754,208 | 13.56 | ||
| Assets | 519,481,291 | 451,402,881 | 15.08 | ||
| Investments | 79,512,892 | 70,120,446 | 13.39 | ||
| Loans And Advances Portfolio (Financing And Investment) | 373,304,812 | 320,089,491 | 16.62 | ||
| Clients' deposits | 331,721,047 | 306,423,391 | 8.26 | ||
| Total Shareholders Equity (after Deducting Minority Equity) | 64,105,257 | 59,007,482 | 8.64 | ||
| Total Operating Expenses Before Provisions for Credit and Other Losses | 5,432,826 | 5,285,601 | 2.79 | ||
| Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net | 1,374,391 | 1,632,346 | -15.8 | ||
| Profit (Loss) per Share | 3.29 | 3.01 | |||
| All figures are in (Thousands) 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 (Thousands) 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 special commission income increased by 12.0% due to an increase in special commission income from loans and advances, investments, and due from banks. |
| The reason of the increase (decrease) in the net profit during the current year compared to the last year is | Net income increased by 11.7% mainly due to an increase in total operating income and a decrease in total operating expenses. Total operating income increase was due to an increase in fee and commission income net, trading income, net, net special commission income, gains on non-trading investments, net, other operating income, partially offset by decrease in exchange income, dividend income. The total operating expenses decrease was due to a decrease in impairment charge for credit losses, net, other general and administrative expenses, and impairment charge for other financial assets, net, partially offset by an increase in other operating expenses, salaries and employee related expenses, depreciation of property, equipment and right of use assets, rent and premises related expense, and impairment charge for investments, net. |
| 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 provision of expected credit losses and other losses decreased by 15.8% due to a decrease in impairment charge of credit losses, net, and impairment charge for other financial assets, net, partially offset by an increase in impairment charge for investments, net. |
| 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 | Some items have been re-classified |
| Additional Information | Investments and other reserves balances for the comparative period (31 December 2024) have been restated. Basic and diluted earnings per share for the year ended December 31, 2025, are calculated on a weighted average basis by dividing the net income adjusted for Tier 1 sukuk costs for the year, by 2,991 million shares (2024: 2,995 million shares), after excluding treasury 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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