Q4 2025 Banque Saudi Fransi SJSC Earnings Call Transcript
Key Points
- Banque Saudi Fransi (SAU:1050) achieved a record earnings of SAR5.35 billion, marking an 18% increase year-on-year.
- The bank reported a 5% year-on-year growth in loans, with a significant 18% increase in consumer loans, particularly in home financing.
- Customer deposits rose by 5% year-on-year, aligning with loan growth and supporting stable funding.
- The bank maintained a strong liquidity coverage ratio and capital adequacy ratio, with a Tier 1 ratio of 19.2%.
- Net interest margin remained stable year-on-year at 3.04%, with a slight quarter-on-quarter improvement to 2.97%.
- Non-interest-bearing deposits fell by 4% year-on-year, impacting the CASA ratio, which decreased to 42.5%.
- Operating expenses increased by 4% year-on-year, driven by higher G&A expenses and IT-related depreciation.
- Net income declined by 7% quarter-on-quarter due to elevated operating expenses, including non-recurring costs.
- The NPL ratio increased marginally by 4 basis points year-on-year, reflecting higher non-performing loans in both consumer and commercial portfolios.
- The bank faces challenges in maintaining a CASA ratio above 40% due to competitive pressures on deposit rates.
Hello there, this is Nathan. I'm one of the operators for the room, just to let this meeting is being recorded. So welcome to the BSF Q4 2025 earnings call. I'm now going to pass it over to Olga. Thank you very much.
Thank you. Good day, everyone, from my side as well. This is Olga Veselova, the Head of EMEA Financials Team at the Bank of America Global Equity Research. It's a pleasure and honor for us to host the BSF coverage conference call today.
Please allow me to pass the word to Yasminah Abbas, the Head of Group Commercial Delivery Investor Relations and BSF team. Yasminah, please, over to you.
Good afternoon, everyone, and welcome to the BSF's Q4 earnings call. I would like to thank you, Olga and the Bank of America team for hosting us today.
Speaking first is BSF's CEO, Bader Alsalloom, who will go over the earnings summary and
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