)
Visual24 Oct 2025
The rise of Alphabet
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Riyad Bank earnings date
Q3 20253 Nov, 2025
Next Riyad Bank earnings date
Q3 20253 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage