Rayan

AlRayan Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	1.94B	2.29B	2.14B	2.13B	2.00B
Pretax Income	222.42M	514.73M	427.52M	417.35M	226.21M
Income Tax	6.76M	10.52M	8.70M	3.69M	4.42M
Net Income	164.00M	498.94M	413.86M	407.53M	172.85M
Net Interest Income	1.46B	1.54B	1.55B	1.57B	1.71B
Non-Interest Income	690.36M	959.98M	786.51M	771.24M	603.22M
Non-Interest Expense	1.72B	1.78B	1.71B	1.72B	1.78B
Loan Loss Provisions	207.79M	200.85M	198.33M	210.92M	305.01M
EPS (Basic)	0.02	0.05	0.05	0.04	0.02
EPS (Diluted)	0.02	0.05	0.05	0.04	0.02
Margins & Efficiency
Net Margin %	+8.5%	+21.7%	+19.4%	+19.1%	+8.6%
Revenue & Income
Revenue	1.94B	2.29B	2.14B	2.13B	2.00B
Revenue	1.94B	2.29B	2.14B	2.13B	2.00B
Revenue Growth (YoY)	-3.1%	-3.2%	-3.2%	-6.7%	-5.2%
Revenues Before Loan Losses	2.15B	2.50B	2.33B	2.34B	2.31B
Net Interest Income	1.46B	1.54B	1.55B	1.57B	1.71B
Net Interest Income Growth (YoY)	-14.5%	-18.5%	-15.3%	-14.4%	-4.7%
Non-Interest Income Growth (YoY)	+14.4%	+42.3%	+17.5%	+9.1%	-9.5%
Total Non-Interest Income	690.36M	959.98M	786.51M	771.24M	603.22M
Other Non-Interest Income	680.08M	948.46M	771.75M	760.61M	595.90M
Gain (Loss) on Sale of Equity Investments	5.88M	9.41M	11.24M	9.26M	7.08M
Gain (Loss) on Sale of Investments	4.41M	2.12M	3.52M	1.38M	0.24M
Expenses & Provisions
Selling, General & Administrative	34.35M	—	—	—	38.06M
Total Non-Interest Expense	1.72B	1.78B	1.71B	1.72B	1.78B
Other Non-Interest Expense	1.52B	1.62B	1.55B	1.56B	1.59B
Provision for Loan Losses	207.79M	200.85M	198.33M	210.92M	305.01M
Salaries and Employee Benefits	117.23M	114.22M	111.33M	110.94M	110.01M
Occupancy Expenses	43.89M	44.05M	43.94M	41.74M	44.08M
Profitability & Returns
EBT Excluding Unusual Items	222.42M	514.73M	427.52M	417.35M	226.21M
Pretax Income	222.42M	514.73M	427.52M	417.35M	226.21M
Profit Margin	+8.5%	+21.7%	+19.4%	+19.1%	+8.6%
Net Income	210.00M	498.94M	413.86M	407.53M	218.85M
Net Income to Common	164.00M	498.94M	413.86M	407.53M	172.85M
Net Income Growth	-4.0%	0.0%	+8.1%	+0.4%	+2.2%
Earnings From Continuing Ops.	215.66M	504.21M	418.82M	413.66M	221.79M
Minority Interest in Earnings	-5.65M	-5.26M	-4.97M	-6.14M	-2.94M
Income Tax Expense	6.76M	10.52M	8.70M	3.69M	4.42M
Effective Tax Rate	+3.0%	+2.0%	+2.0%	+0.9%	+2.0%
Per Share & Capital
EPS (Basic)	0.02	0.05	0.05	0.04	0.02
EPS (Diluted)	0.02	0.05	0.05	0.04	0.02
EPS Growth	-5.1%	—	+9.8%	+0.4%	+2.8%
Dividend Per Share	0.11	—	—	—	0.10
Shares Change (YoY)	—	-0	-0.02	—	—
Shares Outstanding (Basic)	9.30B	9.24B	9.20B	9.30B	9.30B
Shares Outstanding (Diluted)	9.30B	9.24B	9.20B	9.30B	9.30B
Dividend Growth	+10.0%	—	—	—	—
Free Cash Flow	1.23B	-1.43B	3.34B	-5.45B	7.94B
Free Cash Flow Margin	+63.5%	-62.2%	+156.3%	-255.7%	+396.4%
Free Cash Flow Per Share	0.13	-0.16	0.36	-0.59	0.85
Payout Ratio	+4.6%	+2.0%	+5.8%	+243.1%	+8.8%
Preferred Dividends & Other Adjustments	46.00M	—	—	—	46.00M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	1.94B	2.29B	2.14B	2.13B	2.00B
Pretax Income	222.42M	514.73M	427.52M	417.35M	226.21M
Income Tax	6.76M	10.52M	8.70M	3.69M	4.42M
Net Income	164.00M	498.94M	413.86M	407.53M	172.85M
Net Interest Income	1.46B	1.54B	1.55B	1.57B	1.71B
Non-Interest Income	690.36M	959.98M	786.51M	771.24M	603.22M
Non-Interest Expense	1.72B	1.78B	1.71B	1.72B	1.78B
Loan Loss Provisions	207.79M	200.85M	198.33M	210.92M	305.01M
EPS (Basic)	0.02	0.05	0.05	0.04	0.02
EPS (Diluted)	0.02	0.05	0.05	0.04	0.02
Margins & Efficiency
Net Margin %	+8.5%	+21.7%	+19.4%	+19.1%	+8.6%
Revenue & Income
Revenue	1.94B	2.29B	2.14B	2.13B	2.00B
Revenue	1.94B	2.29B	2.14B	2.13B	2.00B
Revenue Growth (YoY)	-3.1%	-3.2%	-3.2%	-6.7%	-5.2%
Revenues Before Loan Losses	2.15B	2.50B	2.33B	2.34B	2.31B
Net Interest Income	1.46B	1.54B	1.55B	1.57B	1.71B
Net Interest Income Growth (YoY)	-14.5%	-18.5%	-15.3%	-14.4%	-4.7%
Non-Interest Income Growth (YoY)	+14.4%	+42.3%	+17.5%	+9.1%	-9.5%
Total Non-Interest Income	690.36M	959.98M	786.51M	771.24M	603.22M
Other Non-Interest Income	680.08M	948.46M	771.75M	760.61M	595.90M
Gain (Loss) on Sale of Equity Investments	5.88M	9.41M	11.24M	9.26M	7.08M
Gain (Loss) on Sale of Investments	4.41M	2.12M	3.52M	1.38M	0.24M
Expenses & Provisions
Selling, General & Administrative	34.35M	—	—	—	38.06M
Total Non-Interest Expense	1.72B	1.78B	1.71B	1.72B	1.78B
Other Non-Interest Expense	1.52B	1.62B	1.55B	1.56B	1.59B
Provision for Loan Losses	207.79M	200.85M	198.33M	210.92M	305.01M
Salaries and Employee Benefits	117.23M	114.22M	111.33M	110.94M	110.01M
Occupancy Expenses	43.89M	44.05M	43.94M	41.74M	44.08M
Profitability & Returns
EBT Excluding Unusual Items	222.42M	514.73M	427.52M	417.35M	226.21M
Pretax Income	222.42M	514.73M	427.52M	417.35M	226.21M
Profit Margin	+8.5%	+21.7%	+19.4%	+19.1%	+8.6%
Net Income	210.00M	498.94M	413.86M	407.53M	218.85M
Net Income to Common	164.00M	498.94M	413.86M	407.53M	172.85M
Net Income Growth	-4.0%	0.0%	+8.1%	+0.4%	+2.2%
Earnings From Continuing Ops.	215.66M	504.21M	418.82M	413.66M	221.79M
Minority Interest in Earnings	-5.65M	-5.26M	-4.97M	-6.14M	-2.94M
Income Tax Expense	6.76M	10.52M	8.70M	3.69M	4.42M
Effective Tax Rate	+3.0%	+2.0%	+2.0%	+0.9%	+2.0%
Per Share & Capital
EPS (Basic)	0.02	0.05	0.05	0.04	0.02
EPS (Diluted)	0.02	0.05	0.05	0.04	0.02
EPS Growth	-5.1%	—	+9.8%	+0.4%	+2.8%
Dividend Per Share	0.11	—	—	—	0.10
Shares Change (YoY)	—	-0	-0.02	—	—
Shares Outstanding (Basic)	9.30B	9.24B	9.20B	9.30B	9.30B
Shares Outstanding (Diluted)	9.30B	9.24B	9.20B	9.30B	9.30B
Dividend Growth	+10.0%	—	—	—	—
Free Cash Flow	1.23B	-1.43B	3.34B	-5.45B	7.94B
Free Cash Flow Margin	+63.5%	-62.2%	+156.3%	-255.7%	+396.4%
Free Cash Flow Per Share	0.13	-0.16	0.36	-0.59	0.85
Payout Ratio	+4.6%	+2.0%	+5.8%	+243.1%	+8.8%
Preferred Dividends & Other Adjustments	46.00M	—	—	—	46.00M