| Element List | Current Quarter | Similar quarter for previous year | %Change | Previous Quarter | % Change |
|---|
| Total Income From Special Commission of Financing | 3,794.2 | 3,550.5 | 6.863 | 3,896.6 | -2.627 |
| Total Income From Special Commission of Investment | 624.5 | 567.1 | 10.121 | 602.9 | 3.582 |
| Net Income From Special Commission of Financing | 2,125.3 | 1,968.5 | 7.965 | 2,128.1 | -0.131 |
| Net Income From Special Commission of Investment | 349.8 | 314.4 | 11.259 | 329.3 | 6.225 |
| Total Operations Profit (Loss) | 3,009.7 | 2,813.7 | 6.965 | 3,180.4 | -5.367 |
| Net Profit (Loss) before Zakat and Income Tax | 1,871.5 | 1,681.4 | 11.306 | 1,922 | -2.627 |
| Net Profit (Loss) Attributable to Shareholders of the Issuer | 1,678.5 | 1,508 | 11.306 | 1,723.9 | -2.633 |
| Total Comprehensive Income Attributable to Shareholders of the Issuer | 1,569.3 | 1,697.6 | -7.557 | 1,613.5 | -2.739 |
| Total Operating Expenses Before Provisions for Credit and Other Losses | 982.5 | 904.9 | 8.575 | 960.1 | 2.333 |
| Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net | 155.7 | 226.3 | -31.197 | 296.2 | -47.434 |
| All figures are in (Millions) Saudi Arabia, Riyals |
| Element List | Current Period | Similar period for previous year | %Change |
|---|
| Assets | 324,290.9 | 287,222.4 | 12.905 |
| Investments | 57,604.4 | 49,456.7 | 16.474 |
| Loans And Advances Portfolio (Financing And Investment) | 238,324.8 | 209,434.8 | 13.794 |
| Clients' deposits | 239,604.5 | 218,838.8 | 9.489 |
| Total Shareholders Equity (after Deducting Minority Equity) | 49,602.8 | 42,951.9 | 15.484 |
| Profit (Loss) per Share | 0.48 | 0.45 |
| 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 | 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%, mainly due to the increase in net income from financing and investment and FVIS income partly offset with the lower fee income, exchange income and other operating 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 and collection of recoveries from previously written-off accounts. |
| 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 increased mainly due to growth in financing and investments volume and lower return paid on customers’ investments deposits. |
| The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is | Net income decreased due to the lower total operating income by 5.4%, mainly due to the lower fee income, FVIS income, exchange income and other operating income partly offset with the higher yield 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 previous quarter is | The decrease in impairment charge on financing and other financial assets during the current quarter compared to previous quarter is mainly due to onboarding the better-quality new assets and collection of recoveries from previously written-off accounts. |
| 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, 9.8 million treasury shares have been excluded. |
Earnings per share is calculated by dividing the net income after zakat for the period ended 31 March 2026 and 31 March 2025 (adjusted for Tier 1 Sukuk costs) by the weighted average number of outstanding shares, restated to reflect the issuance of bonus shares, which reached 2,987.9 million shares (2025: 2,983.8 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.