Rayan

AlRayan Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	8.51B	8.87B	8.31B	5.53B	4.01B
Pretax Income	1.58B	1.56B	1.51B	1.39B	1.74B
Income Tax	29.67M	33.46M	34.97M	22.24M	4.77M
Net Income	1.48B	1.46B	1.41B	1.30B	1.67B
Net Interest Income	6.11B	7.26B	7.18B	5.24B	3.71B
Non-Interest Income	3.21B	2.65B	2.40B	1.84B	1.21B
Non-Interest Expense	6.92B	7.31B	6.80B	4.14B	2.26B
Loan Loss Provisions	0.82B	1.04B	1.27B	1.56B	0.91B
EPS (Basic)	0.16	0.16	0.15	0.14	0.22
EPS (Diluted)	0.16	0.16	0.15	0.14	0.22
DPS	0.11	0.10	0.10	0.10	0.17
Margins & Efficiency
Net Margin %	+17.5%	+16.5%	+16.9%	+23.5%	+41.7%
Revenue & Income
Revenue	8.51B	8.87B	8.31B	5.53B	4.01B
Revenue	8.51B	8.87B	8.31B	5.53B	4.01B
Revenue Growth (YoY)	-4.1%	+6.7%	+50.4%	+37.9%	-14.5%
Revenues Before Loan Losses	9.32B	9.91B	9.58B	7.08B	4.92B
Net Interest Income	6.11B	7.26B	7.18B	5.24B	3.71B
Net Interest Income Growth (YoY)	-15.7%	+1.0%	+37.0%	+41.3%	+0.8%
Non-Interest Income Growth (YoY)	+20.9%	+10.7%	+30.3%	+52.4%	-7.7%
Total Non-Interest Income	3.21B	2.65B	2.40B	1.84B	1.21B
Other Non-Interest Income	3.16B	2.60B	2.33B	1.87B	1.38B
Gain (Loss) on Sale of Equity Investments	35.79M	62.23M	50.86M	27.20M	13.71M
Gain (Loss) on Sale of Investments	11.42M	-3.32M	20.56M	-56.25M	-188.78M
Expenses & Provisions
Selling, General & Administrative	34.35M	38.06M	27.17M	99.54M	32.38M
Total Non-Interest Expense	6.92B	7.31B	6.80B	4.14B	2.26B
Other Non-Interest Expense	6.26B	6.66B	6.16B	3.33B	1.73B
Provision for Loan Losses	0.82B	1.04B	1.27B	1.56B	0.91B
Salaries and Employee Benefits	453.72M	434.23M	433.16M	521.85M	427.95M
Occupancy Expenses	173.62M	173.63M	174.08M	186.98M	68.10M
Profitability & Returns
EBT Excluding Unusual Items	1.58B	1.56B	1.51B	1.39B	1.75B
Pretax Income	1.58B	1.56B	1.51B	1.39B	1.74B
Profit Margin	+17.5%	+16.5%	+16.9%	+23.5%	+41.7%
Net Income	1.53B	1.51B	1.45B	1.34B	1.72B
Net Income to Common	1.48B	1.46B	1.41B	1.30B	1.67B
Net Income Growth	+1.5%	+3.8%	+8.0%	-21.7%	-21.0%
Earnings From Continuing Ops.	1.55B	1.53B	1.48B	1.36B	1.73B
Minority Interest in Earnings	-22.02M	-19.71M	-28.27M	-18.91M	-12.77M
Income Tax Expense	29.67M	33.46M	34.97M	22.24M	4.77M
Effective Tax Rate	+1.9%	+2.1%	+2.3%	+1.6%	+0.3%
Per Share & Capital
EPS (Basic)	0.16	0.16	0.15	0.14	0.22
EPS (Diluted)	0.16	0.16	0.15	0.14	0.22
EPS Growth	+1.6%	+3.9%	+8.3%	-36.0%	-24.8%
Dividend Per Share	0.11	0.10	0.10	0.10	0.17
Shares Change (YoY)	—	—	—	0.22	0.02
Shares Outstanding (Basic)	9.30B	9.30B	9.30B	9.30B	7.65B
Shares Outstanding (Diluted)	9.30B	9.30B	9.30B	9.30B	7.65B
Dividend Growth	+10.0%	—	—	-41.2%	—
Free Cash Flow	-2.31B	-9.88B	14.02B	9.65B	-19.85B
Free Cash Flow Margin	-27.2%	-111.4%	+168.7%	+174.6%	-495.3%
Free Cash Flow Per Share	-0.25	-1.06	1.51	1.04	-2.59
Payout Ratio	+67.6%	+71.3%	+80.6%	+124.7%	+70.3%
Preferred Dividends & Other Adjustments	46.00M	46.00M	46.00M	46.00M	48.20M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	8.51B	8.87B	8.31B	5.53B	4.01B
Pretax Income	1.58B	1.56B	1.51B	1.39B	1.74B
Income Tax	29.67M	33.46M	34.97M	22.24M	4.77M
Net Income	1.48B	1.46B	1.41B	1.30B	1.67B
Net Interest Income	6.11B	7.26B	7.18B	5.24B	3.71B
Non-Interest Income	3.21B	2.65B	2.40B	1.84B	1.21B
Non-Interest Expense	6.92B	7.31B	6.80B	4.14B	2.26B
Loan Loss Provisions	0.82B	1.04B	1.27B	1.56B	0.91B
EPS (Basic)	0.16	0.16	0.15	0.14	0.22
EPS (Diluted)	0.16	0.16	0.15	0.14	0.22
DPS	0.11	0.10	0.10	0.10	0.17
Margins & Efficiency
Net Margin %	+17.5%	+16.5%	+16.9%	+23.5%	+41.7%
Revenue & Income
Revenue	8.51B	8.87B	8.31B	5.53B	4.01B
Revenue	8.51B	8.87B	8.31B	5.53B	4.01B
Revenue Growth (YoY)	-4.1%	+6.7%	+50.4%	+37.9%	-14.5%
Revenues Before Loan Losses	9.32B	9.91B	9.58B	7.08B	4.92B
Net Interest Income	6.11B	7.26B	7.18B	5.24B	3.71B
Net Interest Income Growth (YoY)	-15.7%	+1.0%	+37.0%	+41.3%	+0.8%
Non-Interest Income Growth (YoY)	+20.9%	+10.7%	+30.3%	+52.4%	-7.7%
Total Non-Interest Income	3.21B	2.65B	2.40B	1.84B	1.21B
Other Non-Interest Income	3.16B	2.60B	2.33B	1.87B	1.38B
Gain (Loss) on Sale of Equity Investments	35.79M	62.23M	50.86M	27.20M	13.71M
Gain (Loss) on Sale of Investments	11.42M	-3.32M	20.56M	-56.25M	-188.78M
Expenses & Provisions
Selling, General & Administrative	34.35M	38.06M	27.17M	99.54M	32.38M
Total Non-Interest Expense	6.92B	7.31B	6.80B	4.14B	2.26B
Other Non-Interest Expense	6.26B	6.66B	6.16B	3.33B	1.73B
Provision for Loan Losses	0.82B	1.04B	1.27B	1.56B	0.91B
Salaries and Employee Benefits	453.72M	434.23M	433.16M	521.85M	427.95M
Occupancy Expenses	173.62M	173.63M	174.08M	186.98M	68.10M
Profitability & Returns
EBT Excluding Unusual Items	1.58B	1.56B	1.51B	1.39B	1.75B
Pretax Income	1.58B	1.56B	1.51B	1.39B	1.74B
Profit Margin	+17.5%	+16.5%	+16.9%	+23.5%	+41.7%
Net Income	1.53B	1.51B	1.45B	1.34B	1.72B
Net Income to Common	1.48B	1.46B	1.41B	1.30B	1.67B
Net Income Growth	+1.5%	+3.8%	+8.0%	-21.7%	-21.0%
Earnings From Continuing Ops.	1.55B	1.53B	1.48B	1.36B	1.73B
Minority Interest in Earnings	-22.02M	-19.71M	-28.27M	-18.91M	-12.77M
Income Tax Expense	29.67M	33.46M	34.97M	22.24M	4.77M
Effective Tax Rate	+1.9%	+2.1%	+2.3%	+1.6%	+0.3%
Per Share & Capital
EPS (Basic)	0.16	0.16	0.15	0.14	0.22
EPS (Diluted)	0.16	0.16	0.15	0.14	0.22
EPS Growth	+1.6%	+3.9%	+8.3%	-36.0%	-24.8%
Dividend Per Share	0.11	0.10	0.10	0.10	0.17
Shares Change (YoY)	—	—	—	0.22	0.02
Shares Outstanding (Basic)	9.30B	9.30B	9.30B	9.30B	7.65B
Shares Outstanding (Diluted)	9.30B	9.30B	9.30B	9.30B	7.65B
Dividend Growth	+10.0%	—	—	-41.2%	—
Free Cash Flow	-2.31B	-9.88B	14.02B	9.65B	-19.85B
Free Cash Flow Margin	-27.2%	-111.4%	+168.7%	+174.6%	-495.3%
Free Cash Flow Per Share	-0.25	-1.06	1.51	1.04	-2.59
Payout Ratio	+67.6%	+71.3%	+80.6%	+124.7%	+70.3%
Preferred Dividends & Other Adjustments	46.00M	46.00M	46.00M	46.00M	48.20M