Abstract of outcomes for 2025:
•Web Revenue after Zakat and Revenue Tax: SR8,452 million, representing a 5% year-on-year enhance from SR 8,070 million
•Complete Working Revenue: SR14,724 million, representing a 5% year-on-year enhance from SR14,018 million
•Web Loans and Advances: SR299 billion, representing a 15% year-on-year enhance from SR259 billion
•Buyer Deposits: SR323 billion, representing a 21% year-on-year enhance from SR267 billion
•Complete Fairness: SR79 billion, representing a 14% year-on-year enhance from SR69 billion
Ms. Lubna S. Olayan, Chair of the Board of Administrators of the Saudi Awwal Financial institution (SAB), introduced on Thursday the Financial institution’s monetary outcomes for the yr ended 31 December 2025, marking a yr of sturdy monetary efficiency as SAB prepares to have a good time its centenary in 2026.
For the yr ended 31 December 2025, SAB demonstrated sturdy monetary efficiency, recording a web revenue after Zakat and Revenue Tax of SR 8,452 million, a rise of 5% in comparison with 2024. Complete working earnings rose by 5% year-on-year to SR 14,724 million, reflecting sustained enterprise momentum and disciplined execution of the financial institution’s technique.
Web loans and advances reached SR299 billion, up 15% year-on-year, whereas buyer deposits grew to SR323 billion, a rise of 21% year-on-year, which underscored the energy of SAB’s franchise and funding place. Complete fairness elevated to SR79 billion, highlighting the Financial institution’s sturdy capital base, prudent stability sheet administration, and sustained profitability.
Ms. Olayan, Chair of SAB, stated: “2025 was a yr of sturdy monetary efficiency and disciplined execution. Our constant supply displays the energy of our enterprise mannequin, our give attention to operational effectivity, and our dedication to creating long-term worth for all stakeholders. Our revenues proceed to develop regardless of decrease benchmark charges demonstrating the impression of our technique.”
Through the yr, SAB continued to ship faster-than-market development, with loans increasing by 15%. Development remained nicely balanced throughout retail and wholesale banking, supporting precedence sectors aligned with the Kingdom’s Imaginative and prescient 2030 transformation. Operational effectivity initiatives and disciplined price administration, along with sturdy asset high quality, contributed to a return on tangible fairness of 14.5%.
Sustainability remained a core strategic precedence. SAB exceeded its sustainable finance ambition, rising its sustainable finance portfolio to SR45 billion. SAB additionally issued two green-labelled bonds totaling USD 1.9 billion which strengthened its capital base, and launched the primary Inexperienced Mortgage in Saudi Arabia. The Financial institution’s progress was mirrored in improved ESG rankings, together with an improve by MSCI to ‘A’.
Ms. Olayan added: “As we put together to enter SAB’s second century, we’re nicely positioned to help the Kingdom’s Imaginative and prescient 2030 ambitions and to construct on our distinctive legacy as Saudi Arabia’s first financial institution. Our diversified enterprise mannequin, sturdy capital place, and disciplined execution underpin our potential to navigate evolving market situations and proceed delivering sustainable development.”
In 2025, SAB’s efficiency and management had been acknowledged by means of a number of regional and worldwide awards, together with Greatest Financial institution in Saudi Arabia, Greatest ESG Financial institution in Saudi Arabia, Greatest Digital Financial institution, Greatest Company Financial institution, and Greatest Non-public Financial institution, reflecting the Financial institution’s continued give attention to monetary efficiency, sustainability, innovation, digital capabilities, buyer satisfaction, and company governance.
Ms. Olayan concluded: “On behalf of the Board, I wish to thank our clients for his or her continued belief, our workers and administration for his or her dedication and dedication, and our regulators and strategic companion, HSBC, for his or her ongoing help, which allow SAB to proceed delivering this sturdy and sustainable efficiency.”
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Saudi Awwal Financial institution (SAB) is without doubt one of the largest banks within the Kingdom, with a historical past in Saudi Arabia spanning over 90 years. Over the previous 9 many years, it has been an energetic companion in supporting the Kingdom’s financial development and social growth.
SAB is a number one company and institutional worldwide financial institution within the Kingdom with a prime Wealth & Private Banking proposition. SAB can be a pacesetter in in commerce finance, international change, debt wholesale banking, digital service innovation, and ESG, in Saudi Arabia and the broader area.
SAB provides built-in monetary and banking companies, together with company banking, funding, personal banking, and treasury. The financial institution’s paid-up capital is SR 20.5 billion, following its authorized merger with Alawwal Financial institution in 2019, when it was previously generally known as the Saudi British Financial institution (SABB). SAB operates beneath the supervision and regulation of the Saudi Central Financial institution, and is a companion of the HSBC Group.
