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Riyad Bank (1010) investor relations material
Riyad Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary3 Nov, 2025
Executive summary
Achieved solid balance sheet growth and sustainable profitability for the first nine months of 2025, with net income reaching SAR 7.77 billion, up from SAR 7.06 billion year-over-year, and a healthy, resilient financial position.
Total assets grew to SAR 507.6 billion as of 30 September 2025, compared to SAR 433.8 billion a year earlier.
Strategic focus on being the most profitable, efficient, innovative, and customer-centric bank in KSA, with KPIs centered on ROE, cost efficiency, and digital maturity.
Operating income for the nine-month period was SAR 13.72 billion, up from SAR 12.63 billion year-over-year.
Financial highlights
Total assets reached 508Bn (+13% YTD), net loans 369Bn (+15% YTD), customer deposits 325Bn (+6% YTD), and total liabilities 435Bn (+14% YTD).
Net income for 9M 2025 was 7.8Bn (+10% YoY), operating income 13.7Bn (+9% YoY), and ROE 17.2% (+24bps YoY).
Net special commission income for nine months was SAR 9.67 billion, up from SAR 9.44 billion year-over-year.
Fee and commission income, net, increased to SAR 2.68 billion from SAR 2.17 billion year-over-year.
Cost to income ratio improved to 29.7% (-1.0ppt YoY), and NPL ratio decreased to 0.87%.
Outlook and guidance
FY 2025 guidance revised: net loan growth expected in mid-teens, NSCI growth revised to low single digit, cost to income ratio below 30%, and ROE around 17%.
Cost of credit risk expected to normalize at 30–40bps, and Tier 1 capital ratio to remain above 15%.
Interim dividends of SAR 2,543 million (SAR 0.85 per share) declared in July 2025, with a distribution date of 17 August 2025.
Final dividends for 2024 of SAR 2,696 million (SAR 0.90 per share) approved and distributed in April 2025.
Strong credit demand from corporates and SMEs, with retail growth led by mortgages.
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Next Riyad Bank earnings date
Q4 202510 Feb, 2026
Next Riyad Bank earnings date
Q4 202510 Feb, 2026
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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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