Alinma Bank announces its Interim Financial Results for the Period Ending on 2025-09-30 ( Nine Months )

21 October 2025 08:02 AM

ALINMA 1150 -8.03% 24.50 -2.14

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Total Income From Special Commission of Financing	3,873.6	3,658	5.893	3,665	5.691
Total Income From Special Commission of Investment	624.8	529.6	17.975	589.4	6.006
Net Income From Special Commission of Financing	2,036.2	1,939.4	4.991	1,957.1	4.041
Net Income From Special Commission of Investment	328.4	280.8	16.951	314.7	4.353
Total Operations Profit (Loss)	2,964.7	2,815.2	5.31	2,946.6	0.614
Net Profit (Loss) before Zakat and Income Tax	1,775	1,752.1	1.307	1,747.5	1.573
Net Profit/(Loss)	1,592	1,571.5	1.304	1,573.3	1.188
Total Comprehensive Income	1,740.2	1,900	-8.41	1,483.5	17.303
Total Operating Expenses Before Provisions for Credit and Other Losses	932.4	852.4	9.385	917.3	1.646
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	256.3	208.7	22.807	281.3	-8.887
All figures are in (Millions) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Total Income From Special Commission of Financing	11,089	10,485.6	5.754
Total Income From Special Commission of Investment	1,781.4	1,462.5	21.805
Net Income From Special Commission of Financing	5,961.7	5,601.6	6.428
Net Income From Special Commission of Investment	957.7	781.3	22.577
Total Operations Profit (Loss)	8,724.9	8,125.4	7.378
Net Profit (Loss) before Zakat and Income Tax	5,203.9	4,797.4	8.473
Net profit (Loss)	4,673.3	4,302.8	8.61
Total Comprehensive Income	4,921.3	4,563.6	7.838
Assets	307,213.5	266,982.7	15.068
Investments	52,150.2	46,938.2	11.103
Loans And Advances Portfolio (Financing And Investment)	225,684	195,895.4	15.206
Clients' deposits	234,623	209,140	12.184
Total Shareholders Equity (after Deducting Minority Equity)	47,468.4	41,157.7	15.332
Total Operating Expenses Before Provisions for Credit and Other Losses	2,754.5	2,520.1	9.301
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	763.9	799.8	-4.488
Profit (Loss) per Share	1.72	1.62
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 5.3%, mainly due to the increase in net income from financing and investment, fee income and other operating income partly offset with the lower exchange income and FVIS 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 increase in impairment charge on financing and other financial assets during the current quarter compared to similar quarter last year is mainly due to growth in financing and investment portfolio.
The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter 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 previous quarter is	Net income increased due to the increase in total operating income mainly due to the increase in net income from financing and investment and other operating income partly offset with the lower fee income, exchange income and FVIS 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 of better-quality new assets.
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 7.4%, mainly due to the increase in net income from financing and investment, fee income, exchange income and other operating income partly offset with the lower FVIS 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 September 2025 and 30 September 2024 (adjusted for Tier 1 Sukuk costs) by the weighted average number of outstanding shares, which reached 2,487 million shares (2024: 2,485 million shares).

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