RIBL

Riyad Bank

1010StocksTadawulBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q2 2026Jun 30, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Operating Summary
Revenue	4.34B	4.34B	4.30B	4.36B	4.21B
Interest Income	—	6.81B	7.12B	7.04B	6.57B
Interest Expense	—	3.42B	3.72B	3.86B	3.37B
Pretax Income	2.98B	2.98B	2.94B	3.00B	2.90B
Income Tax	333.00M	363.82M	303.67M	308.83M	298.48M
Net Income	2.65B	2.48B	2.47B	2.69B	2.46B
Net Interest Income	3.38B	3.39B	3.41B	3.19B	3.20B
Non-Interest Income	1.36B	1.16B	1.23B	1.50B	1.32B
Non-Interest Expense	1.35B	1.36B	1.35B	1.36B	1.32B
Loan Loss Provisions	400.00M	209.46M	343.95M	335.92M	311.32M
EPS (Basic)	0.62	0.62	0.62	0.67	0.58
EPS (Diluted)	0.62	0.62	0.62	0.67	0.58
Margins & Efficiency
Net Margin %	+61.1%	+57.1%	+57.6%	+61.7%	+58.4%
Revenue & Income
Revenue	4.34B	4.34B	4.30B	4.36B	4.21B
Revenue	4.34B	4.34B	4.30B	4.36B	4.21B
Revenue Growth (YoY)	+3.0%	+4.8%	+9.6%	+2.3%	+10.1%
Revenues Before Loan Losses	4.74B	4.55B	4.64B	4.69B	4.52B
Interest Income on Investments	—	3.03M	8.58M	5.31M	4.65M
Interest Income on Loans	—	6.81B	7.12B	7.04B	6.57B
Total Interest Income	—	6.81B	7.13B	7.05B	6.57B
Net Interest Income	3.38B	3.39B	3.41B	3.19B	3.20B
Net Interest Income Growth (YoY)	+5.4%	+3.0%	-0.7%	-3.8%	+3.2%
Non-Interest Income Growth (YoY)	+3.1%	-5.3%	+1.5%	+20.0%	+52.5%
Total Non-Interest Income	1.36B	1.16B	1.23B	1.50B	1.32B
Other Non-Interest Income	1.36B	0.91B	0.94B	1.17B	1.04B
Income From Trading Activities	—	322.82M	271.02M	255.45M	231.12M
Gain (Loss) on Sale of Assets	—	—	17.30M	—	—
Gain (Loss) on Sale of Investments	—	-69.09M	-3.56M	82.97M	45.53M
Expenses & Provisions
Selling, General & Administrative	1.36B	0.40B	0.44B	0.41B	0.43B
Interest Paid on Deposits	—	3.42B	3.72B	3.86B	3.37B
Total Non-Interest Expense	1.35B	1.36B	1.35B	1.36B	1.32B
Other Non-Interest Expense	-1.00M	8.44M	63.83M	37.04M	29.21M
Provision for Loan Losses	400.00M	209.46M	343.95M	335.92M	311.32M
Salaries and Employee Benefits	—	740.91M	665.74M	737.61M	696.45M
Occupancy Expenses	—	218.15M	193.36M	180.78M	174.98M
Profitability & Returns
EBT Excluding Unusual Items	2.98B	2.98B	2.94B	3.00B	2.90B
Pretax Income	2.98B	2.98B	2.94B	3.00B	2.90B
Profit Margin	+61.1%	+57.1%	+57.6%	+61.7%	+58.4%
Net Income	2.65B	2.61B	2.64B	2.69B	2.60B
Net Income to Common	2.65B	2.48B	2.47B	2.69B	2.46B
Net Income Growth	+2.0%	+5.1%	+17.0%	+1.3%	+11.1%
Income Tax Expense	333.00M	363.82M	303.67M	308.83M	298.48M
Effective Tax Rate	+11.2%	+12.2%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	0.62	0.62	0.62	0.67	0.58
EPS (Diluted)	0.62	0.62	0.62	0.67	0.58
EPS Growth	+6.4%	+4.3%	+12.8%	+1.4%	+4.2%
Dividend Per Share	—	—	0.41	0.64	—
Shares Change (YoY)	0.01	-0	-0	-0	0.06
Shares Outstanding (Basic)	4.27B	3.98B	3.98B	3.99B	4.22B
Shares Outstanding (Diluted)	4.27B	3.98B	3.98B	3.99B	4.22B
Dividend Growth	—	—	-38.9%	+6.3%	—
Free Cash Flow	—	-7.74B	-15.97B	-13.91B	-7.35B
Free Cash Flow Margin	—	-178.5%	-371.7%	-319.3%	-174.4%
Free Cash Flow Per Share	—	-1.94	-4.01	-3.49	-1.74
Payout Ratio	—	0.0%	0.0%	+94.4%	+103.6%
Preferred Dividends & Other Adjustments	—	135.78M	167.98M	—	135.72M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q2 2026Jun 30, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Operating Summary
Revenue	4.34B	4.34B	4.30B	4.36B	4.21B
Interest Income	—	6.81B	7.12B	7.04B	6.57B
Interest Expense	—	3.42B	3.72B	3.86B	3.37B
Pretax Income	2.98B	2.98B	2.94B	3.00B	2.90B
Income Tax	333.00M	363.82M	303.67M	308.83M	298.48M
Net Income	2.65B	2.48B	2.47B	2.69B	2.46B
Net Interest Income	3.38B	3.39B	3.41B	3.19B	3.20B
Non-Interest Income	1.36B	1.16B	1.23B	1.50B	1.32B
Non-Interest Expense	1.35B	1.36B	1.35B	1.36B	1.32B
Loan Loss Provisions	400.00M	209.46M	343.95M	335.92M	311.32M
EPS (Basic)	0.62	0.62	0.62	0.67	0.58
EPS (Diluted)	0.62	0.62	0.62	0.67	0.58
Margins & Efficiency
Net Margin %	+61.1%	+57.1%	+57.6%	+61.7%	+58.4%
Revenue & Income
Revenue	4.34B	4.34B	4.30B	4.36B	4.21B
Revenue	4.34B	4.34B	4.30B	4.36B	4.21B
Revenue Growth (YoY)	+3.0%	+4.8%	+9.6%	+2.3%	+10.1%
Revenues Before Loan Losses	4.74B	4.55B	4.64B	4.69B	4.52B
Interest Income on Investments	—	3.03M	8.58M	5.31M	4.65M
Interest Income on Loans	—	6.81B	7.12B	7.04B	6.57B
Total Interest Income	—	6.81B	7.13B	7.05B	6.57B
Net Interest Income	3.38B	3.39B	3.41B	3.19B	3.20B
Net Interest Income Growth (YoY)	+5.4%	+3.0%	-0.7%	-3.8%	+3.2%
Non-Interest Income Growth (YoY)	+3.1%	-5.3%	+1.5%	+20.0%	+52.5%
Total Non-Interest Income	1.36B	1.16B	1.23B	1.50B	1.32B
Other Non-Interest Income	1.36B	0.91B	0.94B	1.17B	1.04B
Income From Trading Activities	—	322.82M	271.02M	255.45M	231.12M
Gain (Loss) on Sale of Assets	—	—	17.30M	—	—
Gain (Loss) on Sale of Investments	—	-69.09M	-3.56M	82.97M	45.53M
Expenses & Provisions
Selling, General & Administrative	1.36B	0.40B	0.44B	0.41B	0.43B
Interest Paid on Deposits	—	3.42B	3.72B	3.86B	3.37B
Total Non-Interest Expense	1.35B	1.36B	1.35B	1.36B	1.32B
Other Non-Interest Expense	-1.00M	8.44M	63.83M	37.04M	29.21M
Provision for Loan Losses	400.00M	209.46M	343.95M	335.92M	311.32M
Salaries and Employee Benefits	—	740.91M	665.74M	737.61M	696.45M
Occupancy Expenses	—	218.15M	193.36M	180.78M	174.98M
Profitability & Returns
EBT Excluding Unusual Items	2.98B	2.98B	2.94B	3.00B	2.90B
Pretax Income	2.98B	2.98B	2.94B	3.00B	2.90B
Profit Margin	+61.1%	+57.1%	+57.6%	+61.7%	+58.4%
Net Income	2.65B	2.61B	2.64B	2.69B	2.60B
Net Income to Common	2.65B	2.48B	2.47B	2.69B	2.46B
Net Income Growth	+2.0%	+5.1%	+17.0%	+1.3%	+11.1%
Income Tax Expense	333.00M	363.82M	303.67M	308.83M	298.48M
Effective Tax Rate	+11.2%	+12.2%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	0.62	0.62	0.62	0.67	0.58
EPS (Diluted)	0.62	0.62	0.62	0.67	0.58
EPS Growth	+6.4%	+4.3%	+12.8%	+1.4%	+4.2%
Dividend Per Share	—	—	0.41	0.64	—
Shares Change (YoY)	0.01	-0	-0	-0	0.06
Shares Outstanding (Basic)	4.27B	3.98B	3.98B	3.99B	4.22B
Shares Outstanding (Diluted)	4.27B	3.98B	3.98B	3.99B	4.22B
Dividend Growth	—	—	-38.9%	+6.3%	—
Free Cash Flow	—	-7.74B	-15.97B	-13.91B	-7.35B
Free Cash Flow Margin	—	-178.5%	-371.7%	-319.3%	-174.4%
Free Cash Flow Per Share	—	-1.94	-4.01	-3.49	-1.74
Payout Ratio	—	0.0%	0.0%	+94.4%	+103.6%
Preferred Dividends & Other Adjustments	—	135.78M	167.98M	—	135.72M