RIBL

Riyad Bank

1010StocksTadawulBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	17.01B	15.65B	13.93B	12.32B	10.72B
Interest Income	27.08B	24.18B	20.61B	12.91B	9.11B
Interest Expense	14.01B	11.31B	8.19B	2.86B	0.81B
Pretax Income	11.61B	10.40B	8.97B	7.83B	6.72B
Income Tax	1.20B	1.08B	0.92B	0.81B	0.69B
Net Income	9.85B	9.00B	7.74B	6.95B	6.03B
Net Interest Income	13.09B	12.92B	12.46B	10.13B	8.42B
Non-Interest Income	5.27B	4.36B	3.35B	3.21B	3.15B
Non-Interest Expense	5.40B	5.26B	4.96B	4.49B	4.00B
Loan Loss Provisions	1.36B	1.62B	1.88B	1.03B	0.85B
EPS (Basic)	3.29	3.01	2.58	2.32	2.01
EPS (Diluted)	3.29	3.01	2.58	2.32	2.01
DPS	1.40	1.70	1.40	1.15	1.04
Margins & Efficiency
Net Margin %	+57.9%	+57.5%	+55.5%	+56.5%	+56.2%
Revenue & Income
Revenue	17.01B	15.65B	13.93B	12.32B	10.72B
Revenue	17.01B	15.65B	13.93B	12.32B	10.72B
Revenue Growth (YoY)	+8.7%	+12.4%	+13.1%	+15.0%	+18.6%
Revenues Before Loan Losses	18.37B	17.27B	15.80B	13.35B	11.57B
Interest Income on Investments	23.42M	43.37M	40.80M	79.86M	126.97M
Interest Income on Loans	27.08B	24.18B	20.61B	12.91B	9.11B
Total Interest Income	27.11B	24.23B	20.65B	12.99B	9.24B
Net Interest Income	13.09B	12.92B	12.46B	10.13B	8.42B
Net Interest Income Growth (YoY)	+1.4%	+3.7%	+22.9%	+20.3%	+1.3%
Non-Interest Income Growth (YoY)	+21.1%	+30.1%	+4.2%	+2.2%	+13.2%
Total Non-Interest Income	5.27B	4.36B	3.35B	3.21B	3.15B
Other Non-Interest Income	4.16B	3.82B	3.07B	3.10B	2.54B
Income From Trading Activities	973.54M	529.42M	419.94M	219.03M	196.68M
Gain (Loss) on Sale of Assets	17.30M	4.40M	2.40M	21.30M	0.44M
Gain (Loss) on Sale of Investments	126.12M	5.18M	-139.85M	-131.34M	405.59M
Expenses & Provisions
Selling, General & Administrative	1.71B	1.81B	1.68B	1.53B	1.33B
Interest Paid on Deposits	14.01B	11.31B	8.19B	2.86B	0.81B
Total Non-Interest Expense	5.40B	5.26B	4.96B	4.49B	4.00B
Other Non-Interest Expense	152.66M	42.34M	47.61M	80.42M	52.64M
Provision for Loan Losses	1.36B	1.62B	1.88B	1.03B	0.85B
Salaries and Employee Benefits	2.83B	2.75B	2.54B	2.26B	2.09B
Occupancy Expenses	737.86M	683.58M	695.36M	540.53M	493.19M
Profitability & Returns
EBT Excluding Unusual Items	11.61B	10.40B	8.97B	7.83B	6.72B
Pretax Income	11.61B	10.40B	8.97B	7.83B	6.72B
Profit Margin	+57.9%	+57.5%	+55.5%	+56.5%	+56.2%
Net Income	10.41B	9.32B	8.05B	7.02B	6.03B
Net Income to Common	9.85B	9.00B	7.74B	6.95B	6.03B
Net Income Growth	+11.7%	+15.9%	+14.6%	+16.5%	+27.8%
Income Tax Expense	1.20B	1.08B	0.92B	0.81B	0.69B
Effective Tax Rate	+10.3%	+10.3%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	3.29	3.01	2.58	2.32	2.01
EPS (Diluted)	3.29	3.01	2.58	2.32	2.01
EPS Growth	+9.5%	+16.5%	+11.3%	+15.4%	+27.8%
Dividend Per Share	1.40	1.70	1.40	1.15	1.04
Shares Change (YoY)	-0	-0	-0	—	—
Shares Outstanding (Basic)	2.99B	3.00B	3.00B	3.00B	3.00B
Shares Outstanding (Diluted)	2.99B	3.00B	3.00B	3.00B	3.00B
Dividend Growth	-17.6%	+21.4%	+21.7%	+10.6%	+108.0%
Free Cash Flow	-51.16B	-42.94B	-23.77B	-27.63B	-19.40B
Free Cash Flow Margin	-300.8%	-274.3%	-170.7%	-224.3%	-181.0%
Free Cash Flow Per Share	-17.11	-14.34	-7.93	-9.21	-6.47
Payout Ratio	+50.2%	+49.6%	+48.2%	+44.3%	+49.6%
Preferred Dividends & Other Adjustments	565.22M	317.71M	310.42M	64.67M	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	17.01B	15.65B	13.93B	12.32B	10.72B
Interest Income	27.08B	24.18B	20.61B	12.91B	9.11B
Interest Expense	14.01B	11.31B	8.19B	2.86B	0.81B
Pretax Income	11.61B	10.40B	8.97B	7.83B	6.72B
Income Tax	1.20B	1.08B	0.92B	0.81B	0.69B
Net Income	9.85B	9.00B	7.74B	6.95B	6.03B
Net Interest Income	13.09B	12.92B	12.46B	10.13B	8.42B
Non-Interest Income	5.27B	4.36B	3.35B	3.21B	3.15B
Non-Interest Expense	5.40B	5.26B	4.96B	4.49B	4.00B
Loan Loss Provisions	1.36B	1.62B	1.88B	1.03B	0.85B
EPS (Basic)	3.29	3.01	2.58	2.32	2.01
EPS (Diluted)	3.29	3.01	2.58	2.32	2.01
DPS	1.40	1.70	1.40	1.15	1.04
Margins & Efficiency
Net Margin %	+57.9%	+57.5%	+55.5%	+56.5%	+56.2%
Revenue & Income
Revenue	17.01B	15.65B	13.93B	12.32B	10.72B
Revenue	17.01B	15.65B	13.93B	12.32B	10.72B
Revenue Growth (YoY)	+8.7%	+12.4%	+13.1%	+15.0%	+18.6%
Revenues Before Loan Losses	18.37B	17.27B	15.80B	13.35B	11.57B
Interest Income on Investments	23.42M	43.37M	40.80M	79.86M	126.97M
Interest Income on Loans	27.08B	24.18B	20.61B	12.91B	9.11B
Total Interest Income	27.11B	24.23B	20.65B	12.99B	9.24B
Net Interest Income	13.09B	12.92B	12.46B	10.13B	8.42B
Net Interest Income Growth (YoY)	+1.4%	+3.7%	+22.9%	+20.3%	+1.3%
Non-Interest Income Growth (YoY)	+21.1%	+30.1%	+4.2%	+2.2%	+13.2%
Total Non-Interest Income	5.27B	4.36B	3.35B	3.21B	3.15B
Other Non-Interest Income	4.16B	3.82B	3.07B	3.10B	2.54B
Income From Trading Activities	973.54M	529.42M	419.94M	219.03M	196.68M
Gain (Loss) on Sale of Assets	17.30M	4.40M	2.40M	21.30M	0.44M
Gain (Loss) on Sale of Investments	126.12M	5.18M	-139.85M	-131.34M	405.59M
Expenses & Provisions
Selling, General & Administrative	1.71B	1.81B	1.68B	1.53B	1.33B
Interest Paid on Deposits	14.01B	11.31B	8.19B	2.86B	0.81B
Total Non-Interest Expense	5.40B	5.26B	4.96B	4.49B	4.00B
Other Non-Interest Expense	152.66M	42.34M	47.61M	80.42M	52.64M
Provision for Loan Losses	1.36B	1.62B	1.88B	1.03B	0.85B
Salaries and Employee Benefits	2.83B	2.75B	2.54B	2.26B	2.09B
Occupancy Expenses	737.86M	683.58M	695.36M	540.53M	493.19M
Profitability & Returns
EBT Excluding Unusual Items	11.61B	10.40B	8.97B	7.83B	6.72B
Pretax Income	11.61B	10.40B	8.97B	7.83B	6.72B
Profit Margin	+57.9%	+57.5%	+55.5%	+56.5%	+56.2%
Net Income	10.41B	9.32B	8.05B	7.02B	6.03B
Net Income to Common	9.85B	9.00B	7.74B	6.95B	6.03B
Net Income Growth	+11.7%	+15.9%	+14.6%	+16.5%	+27.8%
Income Tax Expense	1.20B	1.08B	0.92B	0.81B	0.69B
Effective Tax Rate	+10.3%	+10.3%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	3.29	3.01	2.58	2.32	2.01
EPS (Diluted)	3.29	3.01	2.58	2.32	2.01
EPS Growth	+9.5%	+16.5%	+11.3%	+15.4%	+27.8%
Dividend Per Share	1.40	1.70	1.40	1.15	1.04
Shares Change (YoY)	-0	-0	-0	—	—
Shares Outstanding (Basic)	2.99B	3.00B	3.00B	3.00B	3.00B
Shares Outstanding (Diluted)	2.99B	3.00B	3.00B	3.00B	3.00B
Dividend Growth	-17.6%	+21.4%	+21.7%	+10.6%	+108.0%
Free Cash Flow	-51.16B	-42.94B	-23.77B	-27.63B	-19.40B
Free Cash Flow Margin	-300.8%	-274.3%	-170.7%	-224.3%	-181.0%
Free Cash Flow Per Share	-17.11	-14.34	-7.93	-9.21	-6.47
Payout Ratio	+50.2%	+49.6%	+48.2%	+44.3%	+49.6%
Preferred Dividends & Other Adjustments	565.22M	317.71M	310.42M	64.67M	—