First Saudi Bank continues to write a new chapter in its banking career. As we celebrate our 100th anniversary, the Bank not only reflects on its historical heritage, but also presents a living model for a financial institution that grows steadily, balancing profitability and responsibility, solid financial performance and a role in supporting the national economy. Our results in 2025 were more than just numbers in our financial statements; they reflected customer trust, operational efficiency, and a vision for the future with stability and clarity.
Ms. Lubna Olayan, Chairman of the Board of First Saudi Bank, announced the bank’s financial results for the year ended December 31, 2025, reflecting its strong and outstanding financial performance, as the bank prepares to celebrate its 100th anniversary in 2026.
During 2025, the Bank posted record financial performance with net profit excluding zakat and income tax reaching SAR 8,452 million, achieving a year-on-year growth of 5%. This reflects solid performance and sustainability of growth.
Total operating profit also increased by 5% on an annual basis to reach SAR 14,724 million. This clearly confirms the success of the Bank’s strategy and the continuation of the positive momentum in its various operating activities.
Net loans and advances amounted to SAR 299 billion, an increase of 15% on an annual basis. Meanwhile, customer deposits increased to SAR 323 billion, achieving an annual increase of 21%. This track record confirms the bank’s strong financial position, efficient liquidity management, and solid financial foundation. Total capital also increased to SAR 79 billion, reflecting the strength of the capital base, discipline in balance sheet management and sustainability of profitability.
Commenting on the results, Ms. Lubna Alolayan said: “2025 is a milestone in First Saudi Bank’s journey. This outstanding financial performance is the result of disciplined and clear execution of our strategy and reflects the strength of our business model. “We continue to achieve sequential growth in earnings despite lower benchmark interest rates, reflecting a positive impact.” It’s about the bank’s strategy. ”
The bank continued to achieve above-market growth during the year, with a 15% increase in its loan portfolio and balanced growth including retail banking and corporate banking supporting priority sectors consistent with Saudi Vision 2030 goals. Strong asset quality, along with efforts to increase operational efficiency and cost management discipline, contributed to the company’s return on tangible equity of 14.5%.
Sustainability also continues to play a key role in the bank’s strategy, exceeding its sustainable lending targets and reaching SAR 45 billion in its portfolio. In addition to launching the Kingdom’s first green real estate financing product, the bank has issued two green bonds totaling USD 1.9 billion to support its financial position. This progress is reflected in the strengthening of the bank’s rating on environmental, social and governance (ESG) practices, increasing its rating to ‘A’ level in the MSCI index.
Mr. Al-Olayan further added, “As we prepare to enter the second century of First Saudi Bank’s journey, we are starting from a strong position to support the goals of Saudi Vision 2030 and build on our time-honored legacy as the first Saudi bank. The diversity of our business model and the strength of our financial foundation reflect our high execution efficiency and ability to achieve sustainable growth in step with the development of the financial sector.”
During 2025, the Bank received wide recognition at regional and international levels, winning numerous prestigious awards, including Best Bank of Saudi Arabia, Best Bank for Environmental, Social and Corporate Governance Practices, Best Digital Bank, Best Corporate Bank and Best Private Bank for its commitment to superior financial performance, sustainability, innovation, digital excellence, customer satisfaction and enhanced governance practices.
Mr. Olayan concluded: “On behalf of the Board of Directors, I would like to sincerely thank our customers for their continued trust, the commitment and dedication of our employees and management, the support and guidance of our regulators, and the continued support of our strategic partner HSBC, which has enabled First Saudi Bank to continue to achieve strong and sustainable performance.”
Saudi First Bank continues to write a new chapter in banking. As we approach our 100th anniversary, the Bank not only continues its historical heritage, but also represents a living model of a financial institution that grows steadily, balancing sound financial performance with profitability, responsibility and its role in supporting the national economy. The results for 2025 will be more than just numbers on financial statements. These reflect customer trust, operational efficiency, and a vision that extends into the future with stability and clarity.
Ms. Lubna Olayan, Chairperson of the Board of Directors of Saudi First Bank, announced the bank’s financial results for the year ended December 31, 2025, reflecting its strong and outstanding financial performance, coinciding with the bank’s preparations to celebrate its 100th anniversary in 2026.
In 2025, the Bank recorded record financial performance, with net profit excluding Zakat and income tax amounting to SAR 8,452 million, achieving a year-on-year growth of 5% million, reflecting strong performance and sustainability of growth.
Total operating profit also increased by 5% year-on-year to SAR 14,724 million, clearly confirming the success of the Bank’s strategy and the continued positive momentum across its various business activities.
Net loans and advances amounted to SAR 299 billion, an increase of 15% year-on-year. Meanwhile, customer deposits increased to SAR 323 billion, achieving an annual increase of 21%. This track record confirms the bank’s strong financial position, efficient liquidity management, and solid funding base. Total capital also increased to SAR 79 billion, reflecting the strength of the capital base, discipline in balance sheet management and sustainability of profitability.
Commenting on the results, Ms. Lubna Olayan said: “2025 marks an important milestone in Saudi First Bank’s journey. This outstanding financial performance is the result of disciplined and clear execution of our strategy, and the robustness of our business model and operational This confirms our continued focus on improving efficiency and achieving sustainable long-term value for all stakeholders.Despite the decline in benchmark interest rates, revenues continued to achieve sequential growth, reflecting the positive impact of Saudi First Bank.” It’s the bank’s strategy. ”
Throughout the year, the Bank continued to achieve above-market growth, driven by a 15% increase in its loan portfolio. Balanced growth, including retail and corporate banking operations, supported priority sectors in line with Vision 2030 objectives. Our focus on operational efficiency, cost management discipline and strong asset quality contributed to our return on tangible equity of 14.5%.
Sustainability continues to play a key role in the bank’s strategy, exceeding its sustainable finance targets and increasing its portfolio to SAR 45 billion. The bank launched the Kingdom’s first green mortgage financial product and issued two green bonds totaling USD 1.9 billion to support its financial foundation. This progress is reflected in the bank’s improved rating on environmental, social and governance (ESG) practices, increasing its rating to ‘A’ on the MSCI index.
Mr. Olayan further added, “As we prepare to enter the second century of Saudi First Bank’s journey, we are starting from a strong position to support the objectives of Saudi Vision 2030 and build on our rich heritage as the first Saudi bank. The diversity of our business model and the strength of our financial foundation reflect our high execution efficiency and ability to achieve sustainable growth in line with developments in the financial sector.”
In 2025, the bank was widely recognized at both regional and international levels, winning multiple prestigious awards such as Best Bank in Saudi Arabia, Best Bank for Environmental, Social and Corporate Governance Practices, Best Digital Bank, Best Corporate Bank and Best Private Bank for its outstanding financial performance, sustainability, innovation, digital excellence, customer satisfaction and enhanced governance practices.
Mr. Olayan concluded: “On behalf of the Board of Directors, I would like to sincerely thank our customers for their continued trust, the commitment and dedication of our employees and management, the support and guidance of our regulators, and the continued support of our strategic partner HSBC, which has enabled Saudi First Bank to continue to achieve strong and sustainable performance.”
