BSF

Banque Saudi Fransi

1050StocksTadawulBanks

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	2.66B	3.03B	3.12B	5.80B	6.23B
Total Assets	309.01B	293.31B	253.67B	232.08B	215.80B
Investment Securities	68.69B	60.83B	48.76B	44.53B	43.87B
Trading Assets	4.46B	5.69B	5.66B	6.58B	4.06B
Gross Loans	220.43B	208.85B	183.36B	164.94B	153.22B
Net Loans	214.89B	204.17B	179.39B	159.01B	147.81B
Allowance for Loan Losses	-3.78B	-3.51B	-2.64B	-5.00B	-4.73B
Liabilities
Total Deposits	201.15B	196.69B	178.14B	161.42B	154.95B
Interest-Bearing Deposits	121.57B	115.91B	101.26B	69.98B	65.45B
Non-Interest-Bearing Deposits	79.58B	80.78B	76.88B	91.44B	89.49B
Total Debt	50.77B	41.00B	24.31B	21.13B	7.00B
Total Liabilities	258.35B	246.17B	212.26B	193.33B	176.12B
Equity & Ownership
Total Equity	50.66B	47.14B	41.40B	38.75B	39.69B
Shares Outstanding	2,475,600,000	2,489,700,000	2,483,511,019	2,487,244,375	2,488,074,009
Cash & Assets
Total Assets	309.01B	293.31B	253.67B	232.08B	215.80B
Cash & Equivalents	2.66B	3.03B	3.12B	5.80B	6.23B
Net Cash (Debt)	-43.65B	-32.28B	-15.53B	-8.75B	3.29B
Net Cash Per Share	-17.63	-13.01	-6.23	-3.52	1.32
Net Cash Growth	—	—	—	—	-57.4%
Other Receivables	3.07B	4.31B	2.51B	2.28B	1.93B
Restricted Cash	10.08B	9.94B	9.47B	9.17B	8.69B
Property, Plant & Equipment	2.54B	2.32B	2.04B	1.74B	1.59B
Other Current Assets	2.05B	2.40B	2.12B	2.38B	1.03B
Other Long-Term Assets	336.85M	271.52M	247.74M	255.50M	210.72M
Long-Term Leases	699.28M	674.77M	663.12M	719.12M	755.87M
Loans & Investments
Gross Loans	220.43B	208.85B	183.36B	164.94B	153.22B
Net Loans	214.89B	204.17B	179.39B	159.01B	147.81B
Allowance for Loan Losses	-3.78B	-3.51B	-2.64B	-5.00B	-4.73B
Investment Securities	68.69B	60.83B	48.76B	44.53B	43.87B
Trading Asset Securities	4.46B	5.69B	5.66B	6.58B	4.06B
Total Investments	73.16B	66.52B	54.42B	51.11B	47.93B
Other Adjustments to Gross Loans	-1.76B	-1.17B	-1.33B	-0.93B	-0.67B
Liabilities & Obligations
Total Liabilities	258.35B	246.17B	212.26B	193.33B	176.12B
Total Liabilities & Equity	309.01B	293.31B	253.67B	232.08B	215.80B
Accounts Payable	3.03B	3.48B	2.98B	3.15B	3.36B
Current Income Taxes Payable	—	—	—	241.71M	725.12M
Long-Term Unearned Revenue	—	—	2.14B	4.07B	4.61B
Other Current Liabilities	1.10B	0.75B	0.78B	1.05B	0.46B
Other Long-Term Liabilities	2.30B	2.10B	1.99B	1.74B	1.47B
Debt & Funding
Total Debt	50.77B	41.00B	24.31B	21.13B	7.00B
Current Portion of Long-Term Debt	8.33B	6.57B	2.25B	—	—
Long-Term Debt	30.54B	8.95B	6.39B	4.52B	—
Short-Term Borrowings	11.20B	24.81B	15.01B	15.90B	6.25B
Total Deposits	201.15B	196.69B	178.14B	161.42B	154.95B
Interest Bearing Deposits	121.57B	115.91B	101.26B	69.98B	65.45B
Non-Interest Bearing Deposits	79.58B	80.78B	76.88B	91.44B	89.49B
Equity & Book Value
Shareholders' Equity	50.66B	47.14B	41.40B	38.75B	39.69B
Common Stock	25.00B	25.00B	12.05B	12.05B	12.05B
Retained Earnings	17.19B	14.93B	25.95B	23.88B	22.46B
Treasury Stock	-220.61M	-188.11M	-171.62M	-102.25M	-51.88M
Comprehensive Income & Other	8.69B	7.40B	3.58B	2.91B	5.23B
Book Value Per Share	17.26	15.72	14.66	13.57	13.94
Tangible Book Value	50.66B	47.14B	41.40B	38.75B	39.69B
Tangible Book Value Per Share	17.26	15.72	14.66	13.57	13.94
Filing Date Shares Outstanding	2.48B	2.49B	2.48B	2.49B	2.49B
Total Common Shares Outstanding	2.48B	2.49B	2.48B	2.49B	2.49B
Supplemental
Other Real Estate Owned & Foreclosed	219.04M	343.50M	343.36M	342.05M	384.18M

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	2.66B	3.03B	3.12B	5.80B	6.23B
Total Assets	309.01B	293.31B	253.67B	232.08B	215.80B
Investment Securities	68.69B	60.83B	48.76B	44.53B	43.87B
Trading Assets	4.46B	5.69B	5.66B	6.58B	4.06B
Gross Loans	220.43B	208.85B	183.36B	164.94B	153.22B
Net Loans	214.89B	204.17B	179.39B	159.01B	147.81B
Allowance for Loan Losses	-3.78B	-3.51B	-2.64B	-5.00B	-4.73B
Liabilities
Total Deposits	201.15B	196.69B	178.14B	161.42B	154.95B
Interest-Bearing Deposits	121.57B	115.91B	101.26B	69.98B	65.45B
Non-Interest-Bearing Deposits	79.58B	80.78B	76.88B	91.44B	89.49B
Total Debt	50.77B	41.00B	24.31B	21.13B	7.00B
Total Liabilities	258.35B	246.17B	212.26B	193.33B	176.12B
Equity & Ownership
Total Equity	50.66B	47.14B	41.40B	38.75B	39.69B
Shares Outstanding	2,475,600,000	2,489,700,000	2,483,511,019	2,487,244,375	2,488,074,009
Cash & Assets
Total Assets	309.01B	293.31B	253.67B	232.08B	215.80B
Cash & Equivalents	2.66B	3.03B	3.12B	5.80B	6.23B
Net Cash (Debt)	-43.65B	-32.28B	-15.53B	-8.75B	3.29B
Net Cash Per Share	-17.63	-13.01	-6.23	-3.52	1.32
Net Cash Growth	—	—	—	—	-57.4%
Other Receivables	3.07B	4.31B	2.51B	2.28B	1.93B
Restricted Cash	10.08B	9.94B	9.47B	9.17B	8.69B
Property, Plant & Equipment	2.54B	2.32B	2.04B	1.74B	1.59B
Other Current Assets	2.05B	2.40B	2.12B	2.38B	1.03B
Other Long-Term Assets	336.85M	271.52M	247.74M	255.50M	210.72M
Long-Term Leases	699.28M	674.77M	663.12M	719.12M	755.87M
Loans & Investments
Gross Loans	220.43B	208.85B	183.36B	164.94B	153.22B
Net Loans	214.89B	204.17B	179.39B	159.01B	147.81B
Allowance for Loan Losses	-3.78B	-3.51B	-2.64B	-5.00B	-4.73B
Investment Securities	68.69B	60.83B	48.76B	44.53B	43.87B
Trading Asset Securities	4.46B	5.69B	5.66B	6.58B	4.06B
Total Investments	73.16B	66.52B	54.42B	51.11B	47.93B
Other Adjustments to Gross Loans	-1.76B	-1.17B	-1.33B	-0.93B	-0.67B
Liabilities & Obligations
Total Liabilities	258.35B	246.17B	212.26B	193.33B	176.12B
Total Liabilities & Equity	309.01B	293.31B	253.67B	232.08B	215.80B
Accounts Payable	3.03B	3.48B	2.98B	3.15B	3.36B
Current Income Taxes Payable	—	—	—	241.71M	725.12M
Long-Term Unearned Revenue	—	—	2.14B	4.07B	4.61B
Other Current Liabilities	1.10B	0.75B	0.78B	1.05B	0.46B
Other Long-Term Liabilities	2.30B	2.10B	1.99B	1.74B	1.47B
Debt & Funding
Total Debt	50.77B	41.00B	24.31B	21.13B	7.00B
Current Portion of Long-Term Debt	8.33B	6.57B	2.25B	—	—
Long-Term Debt	30.54B	8.95B	6.39B	4.52B	—
Short-Term Borrowings	11.20B	24.81B	15.01B	15.90B	6.25B
Total Deposits	201.15B	196.69B	178.14B	161.42B	154.95B
Interest Bearing Deposits	121.57B	115.91B	101.26B	69.98B	65.45B
Non-Interest Bearing Deposits	79.58B	80.78B	76.88B	91.44B	89.49B
Equity & Book Value
Shareholders' Equity	50.66B	47.14B	41.40B	38.75B	39.69B
Common Stock	25.00B	25.00B	12.05B	12.05B	12.05B
Retained Earnings	17.19B	14.93B	25.95B	23.88B	22.46B
Treasury Stock	-220.61M	-188.11M	-171.62M	-102.25M	-51.88M
Comprehensive Income & Other	8.69B	7.40B	3.58B	2.91B	5.23B
Book Value Per Share	17.26	15.72	14.66	13.57	13.94
Tangible Book Value	50.66B	47.14B	41.40B	38.75B	39.69B
Tangible Book Value Per Share	17.26	15.72	14.66	13.57	13.94
Filing Date Shares Outstanding	2.48B	2.49B	2.48B	2.49B	2.49B
Total Common Shares Outstanding	2.48B	2.49B	2.48B	2.49B	2.49B
Supplemental
Other Real Estate Owned & Foreclosed	219.04M	343.50M	343.36M	342.05M	384.18M