Arabia Insurance Cooperative Co. announces its Interim Financial Results for the period ending on 2025-09-30 ( Nine Months )

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Insurance Revenues	220,124	164,705	33.647	197,764	11.306
Result of Insurance Services	556,995	56,691	882.51	42,571	1,208.39
Net Profit (Loss) of The Insurance Results	8,329	20,848	-60.048	1,963	324.299
Net Profit (Loss) of The Investment Results	639	9,134	-93.004	10,161	-93.711
Net Insurance Financing Expenses	-907	-1,475	-38.508	-1,024	-11.425
Net Profit (Loss), After Zakat, Attributable To Shareholders	354	13,561	-97.389	5,127	-93.095
Total Comprehensive Income	440	14,311	-96.925	5,152	-91.459
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Insurance Revenues	589,361	532,534	10.671
Result of Insurance Services	643,111	165,905	287.638
Net Profit (Loss) of The Insurance Results	8,342	40,849	-79.578
Net Profit (Loss) of The Investment Results	20,022	27,895	-28.223
Net Insurance Financing Expenses	-3,023	-4,914	-38.481
Net Profit (Loss), After Zakat, Attributable To Shareholders	9,928	34,620	-71.322
Total Comprehensive Income	12,684	36,753	-65.488
Total Shareholders Equity (after Deducting Minority Equity)	617,622	596,668	3.511
Profit (Loss) per Share	0.19	0.65
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	-	-
Accumulated Losses	-	-
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Explanation
The reason of the increase (decrease) in the revenues during the current quarter compared to the same quarter of last year is	The reason behind the increase in insurance revenues during the current quarter compared to the same quarter of the previous year is mainly due to the increase in insurance revenues in both of the Motor insurance segment and the Engineering insurance segment.
The reason of the increase (decrease) in the net profit during the current quarter compared to the same quarter of the last year is	The reason behind the decrease in net profit after zakat and income tax during the current quarter compared to the same quarter of the previous year is mainly due to the decrease in net insurance services result by approximately SAR 12.5 million and net investment income by approximately SAR 8.5 million, despite the decrease in other operating expenses by approximately SAR 6 million.
The reason of the increase (decrease) in the revenues during the current quarter compared to the previous quarter is	The reason behind the increase in insurance revenues in the current quarter compared to the previous quarter is mainly due to the increase in insurance revenues in both of the Motor insurance segment and the Medical insurance segment.
The reason of the increase (decrease) in the net profit (loss) during the current quarter compared to the previous quarter is	The reason behind the decrease in net profit after zakat and income tax during the current quarter compared to the previous quarter is mainly due to the decrease in net investment income by approximately SAR 9.5 million and the increase in other operating expenses by approximately SAR 1.9 million, despite the increase in net insurance services result of approximately SAR 6.4 million.
The reason of the increase (decrease) in the revenues during the current period compared to the same period of the last year is	The reason behind the increase in insurance revenues during the current period compared to the same period of the previous year is mainly due to the increase in both of insurance revenues in the Motor insurance segment and the Engineering insurance segment, despite the decrease in insurance revenues in the Medical insurance segment.
The reason of the increase (decrease) in the net profit during the current period compared to the same period of the last year is	The reason behind the decrease in net profit after zakat and income tax during the current period compared to the same period of the previous year is mainly due to the decrease in net insurance services result by approximately SAR 32.5 million and investment income by approximately SAR 7.9 million, despite the decrease in other operating expenses and the provision for zakat and income tax by approximately SAR 13.1 million, in addition to a decrease in net insurance finance expenses by approximately SAR 1.9 million.
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)	Not Applicable
Reclassification of Comparison Items	Certain prior period figures have been reclassified to conform to the current period presentation.
Additional Information	The earnings per share (EPS) is calculated by dividing the net profit for the period after zakat and income tax attributed to the shareholders by the weighted average number of shares issued.

Retained Earnings at the end of the current period amounted to SAR 26.9 million.

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