Arab National Bank (1080) Q4 2025 earnings summary

Executive summary

• Achieved robust loan growth of 15.2% year-over-year, with both corporate (+15.7%) and retail (+13.9%) segments contributing.

• Customer deposits increased 14.9% year-over-year, supporting balance sheet expansion and liquidity.

• Net income increased 3.0% year-over-year to SAR 5,116 million, with total operating income up 4.9% to SAR 9,883 million, driven by strong growth in fee and commission income.

• Operating income declined 4.9% year-over-year, but net income remained stable due to cost control and non-interest revenue growth.

• Continued execution of strategic initiatives, digital banking expansion, and ESG commitments.

Financial highlights

• Total assets reached SAR 281.4 billion, up from SAR 248.8 billion year-over-year.

• Net income for Q4'25 was 1.15 billion, compared to 1.26 billion in Q4'24.

• Net special fee and commission income grew 2.2% year-over-year; net fee and commission income surged 23.9%.

• Operating expenses before ECL charges rose 8.8% year-over-year, mainly due to higher staff costs.

• ECL charges increased 7.4% year-over-year to SAR 693 million.

Outlook and guidance

• 2026 guidance targets mid-high single digit loan growth, NIM above 3%, cost to income below 33%, and ROAE above 12%.

• Cost of risk expected at 40-50 bps; CAR to remain above 19%.

• Management aims to further grow the business and improve operational efficiency in 2026, focusing on sustainable shareholder value.