financial statements

consolidated statement of financial position

As at 31 December	Notes	2025 (X ’000)	2024 (X ’000)
Assets
Cash and balances with central banks	4	54,004,876	53,244,710
Due from banks and other financial institutions, net	5	26,940,586	19,529,727
Investments, net	6	174,304,596	175,033,587
Positive fair value of derivatives	7	2,066,981	1,905,903
Financing, net	8	752,759,851	693,409,723
Other assets, net	9	13,390,634	10,650,605
Investment in associates	10	1,157,245	1,034,262
Investment properties, net	11	1,350,021	1,358,638
Property, equipment, right of use and software, net	12	15,740,178	15,274,749
Disposal group classified as held for sale	13	1,553,329	1,002,450
Total assets		1,043,268,297	972,444,354
Liabilities and equity
Liabilities
Due to banks, Saudi Central Bank and other financial institutions	14	117,283,797	117,677,378
Customers’ deposits	15	667,287,500	654,988,501
Negative fair value of derivatives	7	2,276,665	1,679,043
Debt securities and term financing	16	79,866,625	37,457,972
Other liabilities	17	32,628,115	36,655,853
Liabilities of disposal group classified as held for sale	13	1,013,250	846,376
Total liabilities		900,355,952	849,305,123
Equity
Share capital	18	40,000,000	40,000,000
Statutory reserve	19	40,000,000	38,373,547
Other reserves	19	581,422	(311,814)
Retained earnings		34,272,747	21,417,282
Equity attributable to the Bank’s shareholders		114,854,169	99,479,015
Equity sukuk	20	27,907,879	23,553,815
Equity attributable to the Bank’s equity holders		142,762,048	123,032,830
Non-controlling interests		150,297	106,401
Total equity		142,912,345	123,139,231
Total liabilities and equity		1,043,268,297	972,444,354

The accompanying Notes from 1 to 44 form an integral part of these consolidated financial statements.

Chairman

Chief Executive Officer

Chief Financial Officer

INTEGRATED ANNUAL REPORT 2025

My Report

consolidated statement of financial position