RIBL

Riyad Bank

1010StocksTadawulBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	4.34B	4.30B	4.36B	4.21B	4.14B
Interest Income	6.81B	7.12B	7.04B	6.57B	6.35B
Interest Expense	3.42B	3.72B	3.86B	3.37B	3.07B
Pretax Income	2.98B	2.94B	3.00B	2.90B	2.77B
Income Tax	363.82M	303.67M	308.83M	298.48M	285.77M
Net Income	2.48B	2.47B	2.69B	2.46B	2.38B
Net Interest Income	3.39B	3.41B	3.19B	3.20B	3.29B
Non-Interest Income	1.16B	1.23B	1.50B	1.32B	1.23B
Non-Interest Expense	1.36B	1.35B	1.36B	1.32B	1.37B
Loan Loss Provisions	209.46M	343.95M	335.92M	311.32M	370.79M
EPS (Basic)	0.62	0.62	0.67	0.58	0.60
EPS (Diluted)	0.62	0.62	0.67	0.58	0.60
Margins & Efficiency
Net Margin %	+57.1%	+57.6%	+61.7%	+58.4%	+57.5%
Revenue & Income
Revenue	4.34B	4.30B	4.36B	4.21B	4.14B
Revenue	4.34B	4.30B	4.36B	4.21B	4.14B
Revenue Growth (YoY)	+4.8%	+9.6%	+2.3%	+10.1%	+13.4%
Revenues Before Loan Losses	4.55B	4.64B	4.69B	4.52B	4.51B
Interest Income on Investments	3.03M	8.58M	5.31M	4.65M	4.89M
Interest Income on Loans	6.81B	7.12B	7.04B	6.57B	6.35B
Total Interest Income	6.81B	7.13B	7.05B	6.57B	6.36B
Net Interest Income	3.39B	3.41B	3.19B	3.20B	3.29B
Net Interest Income Growth (YoY)	+3.0%	-0.7%	-3.8%	+3.2%	+7.5%
Non-Interest Income Growth (YoY)	-5.3%	+1.5%	+20.0%	+52.5%	+18.9%
Total Non-Interest Income	1.16B	1.23B	1.50B	1.32B	1.23B
Other Non-Interest Income	0.91B	0.94B	1.17B	1.04B	1.01B
Income From Trading Activities	322.82M	271.02M	255.45M	231.12M	215.95M
Gain (Loss) on Sale of Assets	—	17.30M	—	—	—
Gain (Loss) on Sale of Investments	-69.09M	-3.56M	82.97M	45.53M	1.18M
Expenses & Provisions
Selling, General & Administrative	404.25M	437.71M	411.98M	425.25M	433.42M
Interest Paid on Deposits	3.42B	3.72B	3.86B	3.37B	3.07B
Total Non-Interest Expense	1.36B	1.35B	1.36B	1.32B	1.37B
Other Non-Interest Expense	8.44M	63.83M	37.04M	29.21M	22.58M
Provision for Loan Losses	209.46M	343.95M	335.92M	311.32M	370.79M
Salaries and Employee Benefits	740.91M	665.74M	737.61M	696.45M	734.14M
Occupancy Expenses	218.15M	193.36M	180.78M	174.98M	188.74M
Profitability & Returns
EBT Excluding Unusual Items	2.98B	2.94B	3.00B	2.90B	2.77B
Pretax Income	2.98B	2.94B	3.00B	2.90B	2.77B
Profit Margin	+57.1%	+57.6%	+61.7%	+58.4%	+57.5%
Net Income	2.61B	2.64B	2.69B	2.60B	2.49B
Net Income to Common	2.48B	2.47B	2.69B	2.46B	2.38B
Net Income Growth	+5.1%	+17.0%	+1.3%	+11.1%	+19.9%
Income Tax Expense	363.82M	303.67M	308.83M	298.48M	285.77M
Effective Tax Rate	+12.2%	+10.3%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	0.62	0.62	0.67	0.58	0.60
EPS (Diluted)	0.62	0.62	0.67	0.58	0.60
EPS Growth	+4.3%	+12.8%	+1.4%	+4.2%	+24.2%
Dividend Per Share	—	0.41	0.64	—	—
Shares Change (YoY)	-0	-0	-0	0.06	—
Shares Outstanding (Basic)	3.98B	3.98B	3.99B	4.22B	3.99B
Shares Outstanding (Diluted)	3.98B	3.98B	3.99B	4.22B	3.99B
Dividend Growth	—	-38.9%	+6.3%	—	—
Free Cash Flow	-7.74B	-15.97B	-13.91B	-7.35B	-15.74B
Free Cash Flow Margin	-178.5%	-371.7%	-319.3%	-174.4%	-380.0%
Free Cash Flow Per Share	-1.94	-4.01	-3.49	-1.74	-3.94
Payout Ratio	0.0%	0.0%	+94.4%	+103.6%	0.0%
Preferred Dividends & Other Adjustments	135.78M	167.98M	—	135.72M	105.00M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	4.34B	4.30B	4.36B	4.21B	4.14B
Interest Income	6.81B	7.12B	7.04B	6.57B	6.35B
Interest Expense	3.42B	3.72B	3.86B	3.37B	3.07B
Pretax Income	2.98B	2.94B	3.00B	2.90B	2.77B
Income Tax	363.82M	303.67M	308.83M	298.48M	285.77M
Net Income	2.48B	2.47B	2.69B	2.46B	2.38B
Net Interest Income	3.39B	3.41B	3.19B	3.20B	3.29B
Non-Interest Income	1.16B	1.23B	1.50B	1.32B	1.23B
Non-Interest Expense	1.36B	1.35B	1.36B	1.32B	1.37B
Loan Loss Provisions	209.46M	343.95M	335.92M	311.32M	370.79M
EPS (Basic)	0.62	0.62	0.67	0.58	0.60
EPS (Diluted)	0.62	0.62	0.67	0.58	0.60
Margins & Efficiency
Net Margin %	+57.1%	+57.6%	+61.7%	+58.4%	+57.5%
Revenue & Income
Revenue	4.34B	4.30B	4.36B	4.21B	4.14B
Revenue	4.34B	4.30B	4.36B	4.21B	4.14B
Revenue Growth (YoY)	+4.8%	+9.6%	+2.3%	+10.1%	+13.4%
Revenues Before Loan Losses	4.55B	4.64B	4.69B	4.52B	4.51B
Interest Income on Investments	3.03M	8.58M	5.31M	4.65M	4.89M
Interest Income on Loans	6.81B	7.12B	7.04B	6.57B	6.35B
Total Interest Income	6.81B	7.13B	7.05B	6.57B	6.36B
Net Interest Income	3.39B	3.41B	3.19B	3.20B	3.29B
Net Interest Income Growth (YoY)	+3.0%	-0.7%	-3.8%	+3.2%	+7.5%
Non-Interest Income Growth (YoY)	-5.3%	+1.5%	+20.0%	+52.5%	+18.9%
Total Non-Interest Income	1.16B	1.23B	1.50B	1.32B	1.23B
Other Non-Interest Income	0.91B	0.94B	1.17B	1.04B	1.01B
Income From Trading Activities	322.82M	271.02M	255.45M	231.12M	215.95M
Gain (Loss) on Sale of Assets	—	17.30M	—	—	—
Gain (Loss) on Sale of Investments	-69.09M	-3.56M	82.97M	45.53M	1.18M
Expenses & Provisions
Selling, General & Administrative	404.25M	437.71M	411.98M	425.25M	433.42M
Interest Paid on Deposits	3.42B	3.72B	3.86B	3.37B	3.07B
Total Non-Interest Expense	1.36B	1.35B	1.36B	1.32B	1.37B
Other Non-Interest Expense	8.44M	63.83M	37.04M	29.21M	22.58M
Provision for Loan Losses	209.46M	343.95M	335.92M	311.32M	370.79M
Salaries and Employee Benefits	740.91M	665.74M	737.61M	696.45M	734.14M
Occupancy Expenses	218.15M	193.36M	180.78M	174.98M	188.74M
Profitability & Returns
EBT Excluding Unusual Items	2.98B	2.94B	3.00B	2.90B	2.77B
Pretax Income	2.98B	2.94B	3.00B	2.90B	2.77B
Profit Margin	+57.1%	+57.6%	+61.7%	+58.4%	+57.5%
Net Income	2.61B	2.64B	2.69B	2.60B	2.49B
Net Income to Common	2.48B	2.47B	2.69B	2.46B	2.38B
Net Income Growth	+5.1%	+17.0%	+1.3%	+11.1%	+19.9%
Income Tax Expense	363.82M	303.67M	308.83M	298.48M	285.77M
Effective Tax Rate	+12.2%	+10.3%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	0.62	0.62	0.67	0.58	0.60
EPS (Diluted)	0.62	0.62	0.67	0.58	0.60
EPS Growth	+4.3%	+12.8%	+1.4%	+4.2%	+24.2%
Dividend Per Share	—	0.41	0.64	—	—
Shares Change (YoY)	-0	-0	-0	0.06	—
Shares Outstanding (Basic)	3.98B	3.98B	3.99B	4.22B	3.99B
Shares Outstanding (Diluted)	3.98B	3.98B	3.99B	4.22B	3.99B
Dividend Growth	—	-38.9%	+6.3%	—	—
Free Cash Flow	-7.74B	-15.97B	-13.91B	-7.35B	-15.74B
Free Cash Flow Margin	-178.5%	-371.7%	-319.3%	-174.4%	-380.0%
Free Cash Flow Per Share	-1.94	-4.01	-3.49	-1.74	-3.94
Payout Ratio	0.0%	0.0%	+94.4%	+103.6%	0.0%
Preferred Dividends & Other Adjustments	135.78M	167.98M	—	135.72M	105.00M