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Riyad Bank
Riyad Bank (1010) investor relations material
Riyad Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary17 Feb, 2026
Executive summary
Net income rose 12% year-over-year to SAR 10.4 billion in 2025, with ROE increasing to 16.9% and return on assets at 2.14%.
Total assets grew 15% year-over-year to SAR 519 billion, driven by a 17% rise in the loan book to SAR 373 billion.
Board recommended a SAR 10 billion capital increase via bonus shares to strengthen core capital.
Launched Strategy 2030, focusing on digital transformation, AI integration, sustainability, and customer-centric growth.
Strategic focus on operational efficiency and digital innovation drove sustainable profitability.
Financial highlights
Operating income increased 6% year-over-year to SAR 18.4 billion, supported by a 20% jump in fee and other income.
Cost-to-income ratio improved to 29.6%, down 1 percentage point year-over-year, marking record efficiency.
Customer deposits rose 8% year-over-year to SAR 332 billion; total liabilities up 16% to SAR 444 billion.
Investments portfolio grew 13%, funded by customer deposits and debt securities.
NPL ratio declined to 0.79% with coverage at 150%.
Outlook and guidance
2026 guidance targets high single-digit growth in loans and net special commission income, with cost-to-income ratio below 30% and ROE above 16%.
Credit risk expected at 30-40 basis points, Tier 1 capital to stay above 15%.
Strategy 2030 aspires to high-teens ROE by 2030, driven by digital, customer, and sustainability initiatives.
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Next Riyad Bank earnings date
Q1 202620 Apr, 2026
Riyad Bank
Next Riyad Bank earnings date
Q1 202620 Apr, 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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