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Riyad Bank (1010) investor relations material
Riyad Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary4 Aug, 2025
Executive summary
Achieved strong Q2 and 1H 2025 results, with all key performance indicators ahead of or within targets, and net income up 15% year-over-year to SAR 5.08 billion.
Total assets rose 9% year to date, reaching SAR 491 billion as of 30 June 2025.
Strategic initiatives in cross-selling, credit card expansion, and environmental financing contributed to business growth.
Maintained a healthy and resilient financial position, with strong capitalization and comfortable liquidity.
Initiated development of a new five-year strategy, targeting growth, efficiency, and digital innovation.
Financial highlights
Net income increased 15% year over year to SAR 5.08 billion; return on equity up 90 bps to 17%.
Total assets reached SAR 491 billion (+9% YTD); net loans SAR 355 billion (+11% YTD); customer deposits SAR 418 billion (+3% YTD).
Cost to income ratio improved to 30%, reflecting ongoing efficiency gains.
NPL ratio at 1.13% with coverage at 135%; cost of risk reduced to 36 bps.
Fee and commission income, net, increased to SAR 1.67 billion from SAR 1.43 billion year-over-year.
Outlook and guidance
Upgraded loan growth guidance to mid-teens, supported by strong corporate and SME demand.
ROE expected above 17%, cost to income ratio targeted below 30.5%.
Interim dividends of SAR 2,543 million at SAR 0.85 per share declared in July 2025.
Cost of credit risk expected to normalize between 30–40 bps; Tier 1 capital ratio to remain above 15%.
Anticipates seasonality and repayments in H2, with some NII support from reversals of suspended interest.
Assess impact of new credit card fee rules.
Explain drivers behind non-interest income growth.
What are priorities for next 5-year strategy?
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Next Riyad Bank earnings date
Q3 202520 Oct, 2025
Next Riyad Bank earnings date
Q3 202520 Oct, 2025
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Frequently asked questions
Riyad Bank is a prominent financial institution in Saudi Arabia, offering a comprehensive suite of banking and investment services tailored to both individual and corporate clients. Established in 1957, it operates under the supervision of the Saudi Central Bank and provides Sharia-compliant products, approved by an independent Shariah Board. The bank's operations span across retail and corporate banking, treasury, and investment services, with additional offerings in digital banking and real estate transactions. It operates a network of branches across Saudi Arabia, along with international branches in London and an agency in Houston. The company is headquartered in Riyadh, Saudi Arabia, and its shares are listed on the Saudi Stock Exchange.
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