BJAZ

Bank Aljazira

1020StocksTadawulBanks

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	4.11B	3.46B	3.11B	3.21B	2.96B
Interest Expense	5.60B	5.34B	3.89B	1.31B	0.41B
Pretax Income	1.79B	1.40B	1.18B	1.30B	1.15B
Income Tax	280.29M	173.67M	160.88M	187.57M	147.12M
Net Income	1.28B	1.04B	0.88B	1.03B	0.97B
Net Interest Income	3.25B	2.83B	2.53B	2.65B	2.72B
Non-Interest Income	1.21B	0.95B	0.81B	0.84B	0.87B
Non-Interest Expense	2.32B	2.06B	1.92B	1.91B	1.76B
Loan Loss Provisions	353.74M	317.46M	229.06M	286.32M	624.57M
EPS (Basic)	1.00	0.81	0.69	0.81	0.75
EPS (Diluted)	1.00	0.81	0.69	0.81	0.75
DPS	0.50	—	—	—	0.45
Margins & Efficiency
Net Margin %	+31.0%	+29.9%	+28.4%	+32.2%	+32.6%
Revenue & Income
Revenue	4.11B	3.46B	3.11B	3.21B	2.96B
Revenue	4.11B	3.46B	3.11B	3.21B	2.96B
Revenue Growth (YoY)	+18.7%	+11.5%	-3.2%	+8.3%	+73.1%
Revenues Before Loan Losses	4.46B	3.78B	3.33B	3.50B	3.59B
Interest Income on Investments	8.85B	8.17B	6.42B	3.96B	3.13B
Total Interest Income	8.85B	8.17B	6.42B	3.96B	3.13B
Net Interest Income	3.25B	2.83B	2.53B	2.65B	2.72B
Net Interest Income Growth (YoY)	+15.0%	+11.8%	-4.7%	-2.4%	+13.7%
Non-Interest Income Growth (YoY)	+27.3%	+18.1%	-4.3%	-3.0%	-3.1%
Total Non-Interest Income	1.21B	0.95B	0.81B	0.84B	0.87B
Other Non-Interest Income	1.23B	0.96B	0.77B	0.76B	0.72B
Gain (Loss) on Sale of Assets	0.56M	0.01M	19.36M	52.80M	—
Gain (Loss) on Sale of Investments	-3.83M	3.46M	3.60M	7.09M	53.65M
Expenses & Provisions
Selling, General & Administrative	884.69M	760.56M	547.71M	566.20M	502.57M
Interest Paid on Deposits	5.60B	5.34B	3.89B	1.31B	0.41B
Total Non-Interest Expense	2.32B	2.06B	1.92B	1.91B	1.76B
Other Non-Interest Expense	29.10M	46.32M	159.10M	147.00M	35.71M
Provision for Loan Losses	353.74M	317.46M	229.06M	286.32M	624.57M
Salaries and Employee Benefits	1.25B	1.13B	1.05B	1.01B	0.98B
Occupancy Expenses	177.58M	183.82M	182.12M	197.59M	254.92M
Asset Writedown	—	—	—	—	-46.91M
Profitability & Returns
EBT Excluding Unusual Items	1.79B	1.40B	1.18B	1.30B	1.20B
Pretax Income	1.79B	1.40B	1.18B	1.30B	1.15B
Profit Margin	+31.0%	+29.9%	+28.4%	+32.2%	+32.6%
Net Income	1.51B	1.23B	1.02B	1.11B	1.01B
Net Income to Common	1.28B	1.04B	0.88B	1.03B	0.97B
Net Income Growth	+22.3%	+20.7%	-8.0%	+10.2%	+2,880.6%
Income Tax Expense	280.29M	173.67M	160.88M	187.57M	147.12M
Effective Tax Rate	+15.7%	+12.4%	+13.6%	+14.5%	+12.8%
Per Share & Capital
EPS (Basic)	1.00	0.81	0.69	0.81	0.75
EPS (Diluted)	1.00	0.81	0.69	0.81	0.75
EPS Growth	+23.8%	+17.3%	-14.5%	+6.7%	+2,764.2%
Dividend Per Share	0.50	—	—	—	0.45
Shares Change (YoY)	-0	—	—	—	—
Shares Outstanding (Basic)	1.28B	1.28B	1.28B	1.28B	1.28B
Shares Outstanding (Diluted)	1.28B	1.28B	1.28B	1.28B	1.28B
Free Cash Flow	-8.31B	-12.74B	-9.92B	-3.31B	-10.40B
Free Cash Flow Margin	-202.2%	-368.1%	-319.4%	-103.2%	-351.0%
Free Cash Flow Per Share	-6.51	-9.95	-7.74	-2.59	-8.12
Payout Ratio	+1.0%	+0.3%	0.0%	+53.3%	+27.5%
Preferred Dividends & Other Adjustments	229.27M	195.83M	137.77M	77.35M	39.32M

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	4.11B	3.46B	3.11B	3.21B	2.96B
Interest Expense	5.60B	5.34B	3.89B	1.31B	0.41B
Pretax Income	1.79B	1.40B	1.18B	1.30B	1.15B
Income Tax	280.29M	173.67M	160.88M	187.57M	147.12M
Net Income	1.28B	1.04B	0.88B	1.03B	0.97B
Net Interest Income	3.25B	2.83B	2.53B	2.65B	2.72B
Non-Interest Income	1.21B	0.95B	0.81B	0.84B	0.87B
Non-Interest Expense	2.32B	2.06B	1.92B	1.91B	1.76B
Loan Loss Provisions	353.74M	317.46M	229.06M	286.32M	624.57M
EPS (Basic)	1.00	0.81	0.69	0.81	0.75
EPS (Diluted)	1.00	0.81	0.69	0.81	0.75
DPS	0.50	—	—	—	0.45
Margins & Efficiency
Net Margin %	+31.0%	+29.9%	+28.4%	+32.2%	+32.6%
Revenue & Income
Revenue	4.11B	3.46B	3.11B	3.21B	2.96B
Revenue	4.11B	3.46B	3.11B	3.21B	2.96B
Revenue Growth (YoY)	+18.7%	+11.5%	-3.2%	+8.3%	+73.1%
Revenues Before Loan Losses	4.46B	3.78B	3.33B	3.50B	3.59B
Interest Income on Investments	8.85B	8.17B	6.42B	3.96B	3.13B
Total Interest Income	8.85B	8.17B	6.42B	3.96B	3.13B
Net Interest Income	3.25B	2.83B	2.53B	2.65B	2.72B
Net Interest Income Growth (YoY)	+15.0%	+11.8%	-4.7%	-2.4%	+13.7%
Non-Interest Income Growth (YoY)	+27.3%	+18.1%	-4.3%	-3.0%	-3.1%
Total Non-Interest Income	1.21B	0.95B	0.81B	0.84B	0.87B
Other Non-Interest Income	1.23B	0.96B	0.77B	0.76B	0.72B
Gain (Loss) on Sale of Assets	0.56M	0.01M	19.36M	52.80M	—
Gain (Loss) on Sale of Investments	-3.83M	3.46M	3.60M	7.09M	53.65M
Expenses & Provisions
Selling, General & Administrative	884.69M	760.56M	547.71M	566.20M	502.57M
Interest Paid on Deposits	5.60B	5.34B	3.89B	1.31B	0.41B
Total Non-Interest Expense	2.32B	2.06B	1.92B	1.91B	1.76B
Other Non-Interest Expense	29.10M	46.32M	159.10M	147.00M	35.71M
Provision for Loan Losses	353.74M	317.46M	229.06M	286.32M	624.57M
Salaries and Employee Benefits	1.25B	1.13B	1.05B	1.01B	0.98B
Occupancy Expenses	177.58M	183.82M	182.12M	197.59M	254.92M
Asset Writedown	—	—	—	—	-46.91M
Profitability & Returns
EBT Excluding Unusual Items	1.79B	1.40B	1.18B	1.30B	1.20B
Pretax Income	1.79B	1.40B	1.18B	1.30B	1.15B
Profit Margin	+31.0%	+29.9%	+28.4%	+32.2%	+32.6%
Net Income	1.51B	1.23B	1.02B	1.11B	1.01B
Net Income to Common	1.28B	1.04B	0.88B	1.03B	0.97B
Net Income Growth	+22.3%	+20.7%	-8.0%	+10.2%	+2,880.6%
Income Tax Expense	280.29M	173.67M	160.88M	187.57M	147.12M
Effective Tax Rate	+15.7%	+12.4%	+13.6%	+14.5%	+12.8%
Per Share & Capital
EPS (Basic)	1.00	0.81	0.69	0.81	0.75
EPS (Diluted)	1.00	0.81	0.69	0.81	0.75
EPS Growth	+23.8%	+17.3%	-14.5%	+6.7%	+2,764.2%
Dividend Per Share	0.50	—	—	—	0.45
Shares Change (YoY)	-0	—	—	—	—
Shares Outstanding (Basic)	1.28B	1.28B	1.28B	1.28B	1.28B
Shares Outstanding (Diluted)	1.28B	1.28B	1.28B	1.28B	1.28B
Free Cash Flow	-8.31B	-12.74B	-9.92B	-3.31B	-10.40B
Free Cash Flow Margin	-202.2%	-368.1%	-319.4%	-103.2%	-351.0%
Free Cash Flow Per Share	-6.51	-9.95	-7.74	-2.59	-8.12
Payout Ratio	+1.0%	+0.3%	0.0%	+53.3%	+27.5%
Preferred Dividends & Other Adjustments	229.27M	195.83M	137.77M	77.35M	39.32M