alinma Bank announced today that it achieved a net profit of 4,673 million Saudi Riyals after Zakat for the nine-month period ending September 30, 2025, reflecting an impressive growth rate of 8.6% compared to the same period of the previous year.
Commenting on the financial performance, Chairman of the board of directors at alinma, Dr. Abdulmalik Al-Hogail, stated that the strong results were fueled by the continued expansion in the bank’s core banking activities during the third quarter of 2025. He noted that total assets climbed to 307,214 million Saudi Riyals, a 15.1% increase from 266,983 million Saudi Riyals in the same period last year. The financing portfolio grew by 15.2% to reach 225,684 million Saudi Riyals as of September 30, 2025, up from approximately 195,895 million Saudi Riyals the year before. Consequently, net income from financing and investments rose by 8.4% to 6,919 million Saudi Riyals, compared to 6,383 million Saudi Riyals for the same period in 2024. Customer deposits also witnessed strong growth, reaching 234,623 million Saudi Riyals a 12.2% increase compared to 209,140 million Saudi Riyals a year earlier. Return on assets stood at 2.13%, while return on equity reached 18.42%. The coverage ratio for non-performing loans was maintained at a robust 158.19% as of September 30, 2025, reflecting alinma Bank’s ability to stay one step ahead in delivering sustainable growth and value.
Dr. Al-Hogail commented: "The third quarter of 2025 has reinforced alinma Bank’s strong growth trajectory, driven by continued expansion in our core financing portfolio and sustained growth in customer deposits. Our disciplined credit underwriting and proactive risk management have contributed to maintaining a healthy non-performing loan ratio and robust loan loss coverage, ensuring asset quality remains a key strength. Additionally, the diversification of our income streams through both financing and investment activities has enhanced our net yield margin and fee-based income, supporting profitability amid evolving market conditions.
Our strategic focus on digital transformation and operational efficiency has improved customer experience while optimizing cost-to-income ratios. As we move forward, we remain committed to capitalizing on growth opportunities in both retail and corporate segments, enhancing liquidity management, and maintaining a strong capital adequacy ratio in line with regulatory requirements. These efforts position alinma Bank to deliver sustainable, risk-adjusted returns and continue contributing positively to the national economy.”