Arab National Bank (1080) investor relations material

Executive summary

• 9M’26 net income rose 4.1% YoY to SAR 4.13bn; total operating income increased 5.6% to SAR 7.89bn, supported by funded income and disciplined costs.

• Q3’26 net income was SAR 1.35bn, up 1.6% YoY; pre-Zakat profit growth was ~9% after adjusting for a Q3’25 one-off.

• Net loans and deposits increased YoY, while asset quality remained sound, capital ratios exceeded regulatory requirements, and liquidity buffers remained comfortable.

Financial highlights

• 9M’26 operating income was SAR 7,884,958 thousand, up from SAR 7,464,186 thousand; net special commission income was SAR 6,519,277 thousand versus SAR 6,099,617 thousand YoY.

• 9M’26 operating expenses rose 6.9% YoY to SAR 3.05bn; net ECL and other impairment charges fell to SAR 455,304 thousand from SAR 540,829 thousand.

• 9M’26 net fee and commission income fell 9.7% to SAR 682mn; EPS was SAR 1.86 versus SAR 1.94, and Q3 EPS was SAR 0.58 versus SAR 0.64.

• Q3’26 operating income was SAR 2,554,187 thousand versus SAR 2,378,109 thousand; net special commission income was SAR 2,241,414 thousand versus SAR 1,989,590 thousand YoY.

• Total assets reached SAR 302.5bn, up 7.9% YoY; total equity grew 15.1% to SAR 54.2bn.

Outlook and guidance

• FY’26 guidance unchanged: loans growth in the mid-to-high single digits, NIM above 3%, cost-to-income below 33%, and costs growth in the single digits.

• ROAE guidance remains above 10% after Sukuk issuance and above 12% before issuance; total CAR guidance remains above 19%.

• Cost-of-risk guidance was revised to 30–40 bps from 40–50 bps; Q3’26 actual was 30 bps. Loan growth is targeted at optimal risk-adjusted returns, supported by ample liquidity headroom.