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
Operating Summary
Revenue	4.44B	3.89B	3.61B	3.09B	2.48B
Interest Income	9.69B	8.86B	7.42B	4.07B	2.82B
Interest Expense	6.16B	5.33B	4.00B	1.22B	0.47B
Pretax Income	2.84B	2.27B	2.03B	1.71B	1.27B
Income Tax	409.04M	313.24M	266.73M	204.11M	205.61M
Net Income	2.10B	1.79B	1.59B	1.37B	0.95B
Net Interest Income	3.53B	3.54B	3.42B	2.84B	2.35B
Non-Interest Income	1.27B	0.64B	0.55B	0.43B	0.40B
Non-Interest Expense	1.60B	1.62B	1.58B	1.37B	1.21B
Loan Loss Provisions	354.86M	289.95M	358.66M	191.57M	271.07M
EPS (Basic)	1.68	1.43	1.28	1.09	0.79
EPS (Diluted)	1.68	1.43	1.28	1.09	0.79
DPS	—	0.76	0.68	0.60	0.42
Margins & Efficiency
Net Margin %	+47.2%	+46.0%	+44.2%	+44.2%	+38.3%
Revenue & Income
Revenue	4.44B	3.89B	3.61B	3.09B	2.48B
Revenue	4.44B	3.89B	3.61B	3.09B	2.48B
Revenue Growth (YoY)	+14.2%	+7.8%	+16.9%	+24.3%	+3.6%
Revenues Before Loan Losses	4.79B	4.18B	3.97B	3.28B	2.75B
Interest Income on Loans	9.69B	8.86B	7.42B	4.07B	2.82B
Total Interest Income	9.69B	8.86B	7.42B	4.07B	2.82B
Net Interest Income	3.53B	3.54B	3.42B	2.84B	2.35B
Net Interest Income Growth (YoY)	-0.3%	+3.5%	+20.1%	+20.9%	+1.3%
Non-Interest Income Growth (YoY)	+97.5%	+16.7%	+26.9%	+8.1%	-23.6%
Total Non-Interest Income	1.27B	0.64B	0.55B	0.43B	0.40B
Other Non-Interest Income	1.26B	0.64B	0.53B	0.42B	0.33B
Gain (Loss) on Sale of Investments	11.12M	1.22M	15.23M	10.79M	74.11M
Expenses & Provisions
Selling, General & Administrative	703.16M	735.31M	686.69M	542.99M	431.19M
Interest Paid on Deposits	6.16B	5.33B	4.00B	1.22B	0.47B
Total Non-Interest Expense	1.60B	1.62B	1.58B	1.37B	1.21B
Provision for Loan Losses	354.86M	289.95M	358.66M	191.57M	271.07M
Salaries and Employee Benefits	835.54M	822.36M	786.70M	747.24M	687.38M
Occupancy Expenses	184.79M	176.83M	183.46M	154.99M	150.95M
Profitability & Returns
EBT Excluding Unusual Items	2.84B	2.27B	2.03B	1.71B	1.27B
Pretax Income	2.84B	2.27B	2.03B	1.71B	1.27B
Profit Margin	+47.2%	+46.0%	+44.2%	+44.2%	+38.3%
Net Income	2.43B	1.96B	1.76B	1.51B	1.06B
Net Income to Common	2.10B	1.79B	1.59B	1.37B	0.95B
Net Income Growth	+24.3%	+11.1%	+16.8%	+42.0%	+8.4%
Income Tax Expense	409.04M	313.24M	266.73M	204.11M	205.61M
Effective Tax Rate	+14.4%	+13.8%	+13.2%	+11.9%	+16.2%
Per Share & Capital
EPS (Basic)	1.68	1.43	1.28	1.09	0.79
EPS (Diluted)	1.68	1.43	1.28	1.09	0.79
EPS Growth	+17.5%	+12.2%	+16.8%	+37.8%	+5.5%
Dividend Per Share	—	0.76	0.68	0.60	0.42
Shares Change (YoY)	-0	-0	—	0.04	0.05
Shares Outstanding (Basic)	1.25B	1.25B	1.25B	1.25B	1.20B
Shares Outstanding (Diluted)	1.25B	1.25B	1.25B	1.25B	1.20B
Dividend Growth	—	+11.8%	+13.3%	+42.9%	+75.0%
Free Cash Flow	-14.58B	-6.64B	-4.15B	-11.30B	0.00B
Free Cash Flow Margin	-328.5%	-170.8%	-115.1%	-366.1%	0.0%
Free Cash Flow Per Share	-11.69	-5.32	-3.32	-9.04	0.00
Payout Ratio	+41.0%	+46.0%	+48.3%	+54.7%	+25.4%
Preferred Dividends & Other Adjustments	334.73M	169.56M	167.43M	142.47M	110.70M

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	4.44B	3.89B	3.61B	3.09B	2.48B
Interest Income	9.69B	8.86B	7.42B	4.07B	2.82B
Interest Expense	6.16B	5.33B	4.00B	1.22B	0.47B
Pretax Income	2.84B	2.27B	2.03B	1.71B	1.27B
Income Tax	409.04M	313.24M	266.73M	204.11M	205.61M
Net Income	2.10B	1.79B	1.59B	1.37B	0.95B
Net Interest Income	3.53B	3.54B	3.42B	2.84B	2.35B
Non-Interest Income	1.27B	0.64B	0.55B	0.43B	0.40B
Non-Interest Expense	1.60B	1.62B	1.58B	1.37B	1.21B
Loan Loss Provisions	354.86M	289.95M	358.66M	191.57M	271.07M
EPS (Basic)	1.68	1.43	1.28	1.09	0.79
EPS (Diluted)	1.68	1.43	1.28	1.09	0.79
DPS	—	0.76	0.68	0.60	0.42
Margins & Efficiency
Net Margin %	+47.2%	+46.0%	+44.2%	+44.2%	+38.3%
Revenue & Income
Revenue	4.44B	3.89B	3.61B	3.09B	2.48B
Revenue	4.44B	3.89B	3.61B	3.09B	2.48B
Revenue Growth (YoY)	+14.2%	+7.8%	+16.9%	+24.3%	+3.6%
Revenues Before Loan Losses	4.79B	4.18B	3.97B	3.28B	2.75B
Interest Income on Loans	9.69B	8.86B	7.42B	4.07B	2.82B
Total Interest Income	9.69B	8.86B	7.42B	4.07B	2.82B
Net Interest Income	3.53B	3.54B	3.42B	2.84B	2.35B
Net Interest Income Growth (YoY)	-0.3%	+3.5%	+20.1%	+20.9%	+1.3%
Non-Interest Income Growth (YoY)	+97.5%	+16.7%	+26.9%	+8.1%	-23.6%
Total Non-Interest Income	1.27B	0.64B	0.55B	0.43B	0.40B
Other Non-Interest Income	1.26B	0.64B	0.53B	0.42B	0.33B
Gain (Loss) on Sale of Investments	11.12M	1.22M	15.23M	10.79M	74.11M
Expenses & Provisions
Selling, General & Administrative	703.16M	735.31M	686.69M	542.99M	431.19M
Interest Paid on Deposits	6.16B	5.33B	4.00B	1.22B	0.47B
Total Non-Interest Expense	1.60B	1.62B	1.58B	1.37B	1.21B
Provision for Loan Losses	354.86M	289.95M	358.66M	191.57M	271.07M
Salaries and Employee Benefits	835.54M	822.36M	786.70M	747.24M	687.38M
Occupancy Expenses	184.79M	176.83M	183.46M	154.99M	150.95M
Profitability & Returns
EBT Excluding Unusual Items	2.84B	2.27B	2.03B	1.71B	1.27B
Pretax Income	2.84B	2.27B	2.03B	1.71B	1.27B
Profit Margin	+47.2%	+46.0%	+44.2%	+44.2%	+38.3%
Net Income	2.43B	1.96B	1.76B	1.51B	1.06B
Net Income to Common	2.10B	1.79B	1.59B	1.37B	0.95B
Net Income Growth	+24.3%	+11.1%	+16.8%	+42.0%	+8.4%
Income Tax Expense	409.04M	313.24M	266.73M	204.11M	205.61M
Effective Tax Rate	+14.4%	+13.8%	+13.2%	+11.9%	+16.2%
Per Share & Capital
EPS (Basic)	1.68	1.43	1.28	1.09	0.79
EPS (Diluted)	1.68	1.43	1.28	1.09	0.79
EPS Growth	+17.5%	+12.2%	+16.8%	+37.8%	+5.5%
Dividend Per Share	—	0.76	0.68	0.60	0.42
Shares Change (YoY)	-0	-0	—	0.04	0.05
Shares Outstanding (Basic)	1.25B	1.25B	1.25B	1.25B	1.20B
Shares Outstanding (Diluted)	1.25B	1.25B	1.25B	1.25B	1.20B
Dividend Growth	—	+11.8%	+13.3%	+42.9%	+75.0%
Free Cash Flow	-14.58B	-6.64B	-4.15B	-11.30B	0.00B
Free Cash Flow Margin	-328.5%	-170.8%	-115.1%	-366.1%	0.0%
Free Cash Flow Per Share	-11.69	-5.32	-3.32	-9.04	0.00
Payout Ratio	+41.0%	+46.0%	+48.3%	+54.7%	+25.4%
Preferred Dividends & Other Adjustments	334.73M	169.56M	167.43M	142.47M	110.70M