SAIB

Saudi Investment Bank

1030StocksTadawulBanks

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
Assets
Cash & Equivalents	2.29B	2.05B	2.03B	1.88B	5.74B
Total Assets	172.72B	157.07B	129.98B	109.07B	101.62B
Investment Securities	19.58B	19.64B	19.97B	17.77B	17.87B
Trading Assets	723.05M	589.32M	724.35M	726.74M	806.63M
Gross Loans	114.18B	101.23B	82.77B	70.80B	59.86B
Net Loans	112.19B	99.58B	80.85B	68.99B	57.89B
Allowance for Loan Losses	-1.99B	-1.65B	-1.93B	-1.81B	-1.97B
Liabilities
Total Deposits	118.39B	109.18B	92.58B	77.49B	69.89B
Interest-Bearing Deposits	87.18B	68.16B	57.65B	43.62B	31.77B
Non-Interest-Bearing Deposits	31.21B	41.02B	34.93B	33.88B	38.13B
Total Debt	29.79B	24.95B	18.18B	13.23B	13.85B
Total Liabilities	150.29B	135.94B	112.75B	92.28B	85.32B
Equity & Ownership
Total Equity	22.43B	21.13B	17.24B	16.79B	16.30B
Shares Outstanding	1,247,300,000	1,250,000,000	1,250,000,000	1,250,000,000	1,249,999,997
Cash & Assets
Total Assets	172.72B	157.07B	129.98B	109.07B	101.62B
Cash & Equivalents	2.29B	2.05B	2.03B	1.88B	5.74B
Net Cash (Debt)	-26.48B	-18.06B	-8.98B	-8.34B	-5.01B
Net Cash Per Share	-21.23	-14.46	-7.19	-6.68	-4.18
Restricted Cash	5.17B	4.94B	4.02B	3.55B	3.35B
Property, Plant & Equipment	1.24B	1.25B	1.19B	1.21B	1.00B
Goodwill	18.30M	18.30M	18.30M	18.30M	18.30M
Other Intangible Assets	800.56M	612.28M	466.62M	410.05M	350.98M
Other Current Assets	28.99B	26.51B	19.79B	13.71B	14.04B
Other Long-Term Assets	1.14B	1.03B	0.07B	0.36B	0.10B
Long-Term Leases	132.84M	124.26M	162.58M	155.59M	186.70M
Current Portion of Leases	37.64M	29.04M	47.32M	47.01M	45.19M
Loans & Investments
Gross Loans	114.18B	101.23B	82.77B	70.80B	59.86B
Net Loans	112.19B	99.58B	80.85B	68.99B	57.89B
Allowance for Loan Losses	-1.99B	-1.65B	-1.93B	-1.81B	-1.97B
Investment Securities	19.58B	19.64B	19.97B	17.77B	17.87B
Trading Asset Securities	723.05M	589.32M	724.35M	726.74M	806.63M
Total Investments	20.30B	20.23B	20.69B	18.49B	18.68B
Liabilities & Obligations
Total Liabilities	150.29B	135.94B	112.75B	92.28B	85.32B
Total Liabilities & Equity	172.72B	157.07B	129.98B	109.07B	101.62B
Accrued Expenses	451.22M	543.91M	555.80M	472.09M	407.05M
Current Income Taxes Payable	439.29M	331.68M	283.93M	217.92M	236.16M
Long-Term Unearned Revenue	38.57M	46.02M	15.65M	17.41M	65.51M
Other Current Liabilities	—	—	—	119.89M	235.26M
Other Long-Term Liabilities	862.65M	601.50M	887.74M	525.67M	440.46M
Pension & Post-Retirement Benefits	309.07M	288.79M	248.91M	207.30M	193.75M
Debt & Funding
Total Debt	29.79B	24.95B	18.18B	13.23B	13.85B
Long-Term Debt	2.79B	—	—	—	—
Short-Term Borrowings	26.83B	24.79B	17.97B	13.02B	13.62B
Total Deposits	118.39B	109.18B	92.58B	77.49B	69.89B
Interest Bearing Deposits	87.18B	68.16B	57.65B	43.62B	31.77B
Non-Interest Bearing Deposits	31.21B	41.02B	34.93B	33.88B	38.13B
Equity & Book Value
Shareholders' Equity	22.43B	21.13B	17.24B	16.79B	16.30B
Common Stock	12.50B	12.50B	10.00B	10.00B	7.50B
Retained Earnings	5.02B	3.92B	5.53B	4.78B	4.24B
Treasury Stock	-34.98M	-34.98M	—	—	—
Comprehensive Income & Other	4.95B	4.75B	1.71B	2.01B	4.56B
Book Value Per Share	13.73	12.66	11.62	10.86	11.84
Tangible Book Value	21.61B	20.50B	16.75B	16.36B	15.93B
Tangible Book Value Per Share	13.07	12.15	11.23	10.52	11.55
Filing Date Shares Outstanding	1.25B	1.25B	1.25B	1.25B	1.25B
Total Common Shares Outstanding	1.25B	1.25B	1.25B	1.25B	1.25B
Supplemental
Other Real Estate Owned & Foreclosed	593.01M	858.83M	858.90M	451.98M	451.98M

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
Assets
Cash & Equivalents	2.29B	2.05B	2.03B	1.88B	5.74B
Total Assets	172.72B	157.07B	129.98B	109.07B	101.62B
Investment Securities	19.58B	19.64B	19.97B	17.77B	17.87B
Trading Assets	723.05M	589.32M	724.35M	726.74M	806.63M
Gross Loans	114.18B	101.23B	82.77B	70.80B	59.86B
Net Loans	112.19B	99.58B	80.85B	68.99B	57.89B
Allowance for Loan Losses	-1.99B	-1.65B	-1.93B	-1.81B	-1.97B
Liabilities
Total Deposits	118.39B	109.18B	92.58B	77.49B	69.89B
Interest-Bearing Deposits	87.18B	68.16B	57.65B	43.62B	31.77B
Non-Interest-Bearing Deposits	31.21B	41.02B	34.93B	33.88B	38.13B
Total Debt	29.79B	24.95B	18.18B	13.23B	13.85B
Total Liabilities	150.29B	135.94B	112.75B	92.28B	85.32B
Equity & Ownership
Total Equity	22.43B	21.13B	17.24B	16.79B	16.30B
Shares Outstanding	1,247,300,000	1,250,000,000	1,250,000,000	1,250,000,000	1,249,999,997
Cash & Assets
Total Assets	172.72B	157.07B	129.98B	109.07B	101.62B
Cash & Equivalents	2.29B	2.05B	2.03B	1.88B	5.74B
Net Cash (Debt)	-26.48B	-18.06B	-8.98B	-8.34B	-5.01B
Net Cash Per Share	-21.23	-14.46	-7.19	-6.68	-4.18
Restricted Cash	5.17B	4.94B	4.02B	3.55B	3.35B
Property, Plant & Equipment	1.24B	1.25B	1.19B	1.21B	1.00B
Goodwill	18.30M	18.30M	18.30M	18.30M	18.30M
Other Intangible Assets	800.56M	612.28M	466.62M	410.05M	350.98M
Other Current Assets	28.99B	26.51B	19.79B	13.71B	14.04B
Other Long-Term Assets	1.14B	1.03B	0.07B	0.36B	0.10B
Long-Term Leases	132.84M	124.26M	162.58M	155.59M	186.70M
Current Portion of Leases	37.64M	29.04M	47.32M	47.01M	45.19M
Loans & Investments
Gross Loans	114.18B	101.23B	82.77B	70.80B	59.86B
Net Loans	112.19B	99.58B	80.85B	68.99B	57.89B
Allowance for Loan Losses	-1.99B	-1.65B	-1.93B	-1.81B	-1.97B
Investment Securities	19.58B	19.64B	19.97B	17.77B	17.87B
Trading Asset Securities	723.05M	589.32M	724.35M	726.74M	806.63M
Total Investments	20.30B	20.23B	20.69B	18.49B	18.68B
Liabilities & Obligations
Total Liabilities	150.29B	135.94B	112.75B	92.28B	85.32B
Total Liabilities & Equity	172.72B	157.07B	129.98B	109.07B	101.62B
Accrued Expenses	451.22M	543.91M	555.80M	472.09M	407.05M
Current Income Taxes Payable	439.29M	331.68M	283.93M	217.92M	236.16M
Long-Term Unearned Revenue	38.57M	46.02M	15.65M	17.41M	65.51M
Other Current Liabilities	—	—	—	119.89M	235.26M
Other Long-Term Liabilities	862.65M	601.50M	887.74M	525.67M	440.46M
Pension & Post-Retirement Benefits	309.07M	288.79M	248.91M	207.30M	193.75M
Debt & Funding
Total Debt	29.79B	24.95B	18.18B	13.23B	13.85B
Long-Term Debt	2.79B	—	—	—	—
Short-Term Borrowings	26.83B	24.79B	17.97B	13.02B	13.62B
Total Deposits	118.39B	109.18B	92.58B	77.49B	69.89B
Interest Bearing Deposits	87.18B	68.16B	57.65B	43.62B	31.77B
Non-Interest Bearing Deposits	31.21B	41.02B	34.93B	33.88B	38.13B
Equity & Book Value
Shareholders' Equity	22.43B	21.13B	17.24B	16.79B	16.30B
Common Stock	12.50B	12.50B	10.00B	10.00B	7.50B
Retained Earnings	5.02B	3.92B	5.53B	4.78B	4.24B
Treasury Stock	-34.98M	-34.98M	—	—	—
Comprehensive Income & Other	4.95B	4.75B	1.71B	2.01B	4.56B
Book Value Per Share	13.73	12.66	11.62	10.86	11.84
Tangible Book Value	21.61B	20.50B	16.75B	16.36B	15.93B
Tangible Book Value Per Share	13.07	12.15	11.23	10.52	11.55
Filing Date Shares Outstanding	1.25B	1.25B	1.25B	1.25B	1.25B
Total Common Shares Outstanding	1.25B	1.25B	1.25B	1.25B	1.25B
Supplemental
Other Real Estate Owned & Foreclosed	593.01M	858.83M	858.90M	451.98M	451.98M