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
Operating Summary
Revenue	9.55B	8.48B	7.73B	6.66B	6.28B
Interest Income	17.56B	16.37B	13.22B	8.31B	6.19B
Interest Expense	8.87B	8.49B	5.38B	1.88B	0.50B
Pretax Income	5.99B	5.07B	4.71B	4.00B	3.84B
Income Tax	635.59M	525.26M	485.10M	428.77M	387.50M
Net Income	4.89B	4.26B	4.00B	3.35B	3.25B
Net Interest Income	8.72B	7.90B	7.85B	6.44B	5.70B
Non-Interest Income	1.81B	1.72B	1.55B	1.58B	1.55B
Non-Interest Expense	3.56B	3.41B	3.02B	2.65B	2.45B
Loan Loss Provisions	0.97B	1.14B	1.67B	1.36B	0.96B
EPS (Basic)	1.97	1.72	1.60	1.35	1.30
EPS (Diluted)	1.97	1.72	1.60	1.35	1.30
DPS	1.07	0.98	0.94	0.80	0.72
Margins & Efficiency
Net Margin %	+51.2%	+50.3%	+51.7%	+50.3%	+51.6%
Revenue & Income
Revenue	9.55B	8.48B	7.73B	6.66B	6.28B
Revenue	9.55B	8.48B	7.73B	6.66B	6.28B
Revenue Growth (YoY)	+12.6%	+9.7%	+16.1%	+5.9%	+43.7%
Revenues Before Loan Losses	10.52B	9.62B	9.40B	8.02B	7.25B
Interest Income on Investments	23.27M	16.32M	15.21M	13.40M	1.50M
Interest Income on Loans	17.56B	16.37B	13.22B	8.31B	6.19B
Total Interest Income	17.58B	16.39B	13.23B	8.32B	6.20B
Net Interest Income	8.72B	7.90B	7.85B	6.44B	5.70B
Net Interest Income Growth (YoY)	+10.3%	+0.6%	+21.9%	+13.0%	+8.7%
Non-Interest Income Growth (YoY)	+4.9%	+11.3%	-2.1%	+2.3%	-20.7%
Total Non-Interest Income	1.81B	1.72B	1.55B	1.58B	1.55B
Other Non-Interest Income	1.44B	1.45B	1.38B	1.37B	1.23B
Income From Trading Activities	225.63M	275.69M	114.02M	201.75M	171.84M
Gain (Loss) on Sale of Assets	36.18M	0.18M	0.21M	0.17M	0.93M
Gain (Loss) on Sale of Investments	103.35M	-8.50M	58.10M	7.67M	145.63M
Expenses & Provisions
Selling, General & Administrative	1.35B	1.23B	1.03B	0.96B	0.85B
Interest Paid on Deposits	8.87B	8.49B	5.38B	1.88B	0.50B
Total Non-Interest Expense	3.56B	3.41B	3.02B	2.65B	2.45B
Provision for Loan Losses	0.97B	1.14B	1.67B	1.36B	0.96B
Salaries and Employee Benefits	1.88B	1.88B	1.74B	1.47B	1.37B
Occupancy Expenses	332.03M	299.21M	250.66M	221.43M	224.97M
Profitability & Returns
EBT Excluding Unusual Items	5.99B	5.07B	4.71B	4.00B	3.84B
Pretax Income	5.99B	5.07B	4.71B	4.00B	3.84B
Profit Margin	+51.2%	+50.3%	+51.7%	+50.3%	+51.6%
Net Income	5.35B	4.54B	4.22B	3.58B	3.45B
Net Income to Common	4.89B	4.26B	4.00B	3.35B	3.25B
Net Income Growth	+17.8%	+7.6%	+18.1%	+3.6%	+123.1%
Income Tax Expense	635.59M	525.26M	485.10M	428.77M	387.50M
Effective Tax Rate	+10.6%	+10.4%	+10.3%	+10.7%	+10.1%
Per Share & Capital
EPS (Basic)	1.97	1.72	1.60	1.35	1.30
EPS (Diluted)	1.97	1.72	1.60	1.35	1.30
EPS Growth	+14.9%	+7.1%	+19.2%	+3.2%	+118.2%
Dividend Per Share	1.07	0.98	0.94	0.80	0.72
Shares Change (YoY)	-0	-0	0	—	—
Shares Outstanding (Basic)	2.48B	2.48B	2.49B	2.49B	2.49B
Shares Outstanding (Diluted)	2.48B	2.48B	2.49B	2.49B	2.49B
Dividend Growth	+9.0%	+4.5%	+18.2%	+10.0%	+274.9%
Free Cash Flow	-22.64B	-8.61B	-15.03B	-16.39B	-7.25B
Free Cash Flow Margin	-237.1%	-101.6%	-194.4%	-246.1%	-115.3%
Free Cash Flow Per Share	-9.14	-3.47	-6.03	-6.58	-2.91
Payout Ratio	+48.9%	+52.8%	+52.6%	+53.7%	+36.5%
Preferred Dividends & Other Adjustments	467.77M	282.88M	224.61M	224.89M	204.35M

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	9.55B	8.48B	7.73B	6.66B	6.28B
Interest Income	17.56B	16.37B	13.22B	8.31B	6.19B
Interest Expense	8.87B	8.49B	5.38B	1.88B	0.50B
Pretax Income	5.99B	5.07B	4.71B	4.00B	3.84B
Income Tax	635.59M	525.26M	485.10M	428.77M	387.50M
Net Income	4.89B	4.26B	4.00B	3.35B	3.25B
Net Interest Income	8.72B	7.90B	7.85B	6.44B	5.70B
Non-Interest Income	1.81B	1.72B	1.55B	1.58B	1.55B
Non-Interest Expense	3.56B	3.41B	3.02B	2.65B	2.45B
Loan Loss Provisions	0.97B	1.14B	1.67B	1.36B	0.96B
EPS (Basic)	1.97	1.72	1.60	1.35	1.30
EPS (Diluted)	1.97	1.72	1.60	1.35	1.30
DPS	1.07	0.98	0.94	0.80	0.72
Margins & Efficiency
Net Margin %	+51.2%	+50.3%	+51.7%	+50.3%	+51.6%
Revenue & Income
Revenue	9.55B	8.48B	7.73B	6.66B	6.28B
Revenue	9.55B	8.48B	7.73B	6.66B	6.28B
Revenue Growth (YoY)	+12.6%	+9.7%	+16.1%	+5.9%	+43.7%
Revenues Before Loan Losses	10.52B	9.62B	9.40B	8.02B	7.25B
Interest Income on Investments	23.27M	16.32M	15.21M	13.40M	1.50M
Interest Income on Loans	17.56B	16.37B	13.22B	8.31B	6.19B
Total Interest Income	17.58B	16.39B	13.23B	8.32B	6.20B
Net Interest Income	8.72B	7.90B	7.85B	6.44B	5.70B
Net Interest Income Growth (YoY)	+10.3%	+0.6%	+21.9%	+13.0%	+8.7%
Non-Interest Income Growth (YoY)	+4.9%	+11.3%	-2.1%	+2.3%	-20.7%
Total Non-Interest Income	1.81B	1.72B	1.55B	1.58B	1.55B
Other Non-Interest Income	1.44B	1.45B	1.38B	1.37B	1.23B
Income From Trading Activities	225.63M	275.69M	114.02M	201.75M	171.84M
Gain (Loss) on Sale of Assets	36.18M	0.18M	0.21M	0.17M	0.93M
Gain (Loss) on Sale of Investments	103.35M	-8.50M	58.10M	7.67M	145.63M
Expenses & Provisions
Selling, General & Administrative	1.35B	1.23B	1.03B	0.96B	0.85B
Interest Paid on Deposits	8.87B	8.49B	5.38B	1.88B	0.50B
Total Non-Interest Expense	3.56B	3.41B	3.02B	2.65B	2.45B
Provision for Loan Losses	0.97B	1.14B	1.67B	1.36B	0.96B
Salaries and Employee Benefits	1.88B	1.88B	1.74B	1.47B	1.37B
Occupancy Expenses	332.03M	299.21M	250.66M	221.43M	224.97M
Profitability & Returns
EBT Excluding Unusual Items	5.99B	5.07B	4.71B	4.00B	3.84B
Pretax Income	5.99B	5.07B	4.71B	4.00B	3.84B
Profit Margin	+51.2%	+50.3%	+51.7%	+50.3%	+51.6%
Net Income	5.35B	4.54B	4.22B	3.58B	3.45B
Net Income to Common	4.89B	4.26B	4.00B	3.35B	3.25B
Net Income Growth	+17.8%	+7.6%	+18.1%	+3.6%	+123.1%
Income Tax Expense	635.59M	525.26M	485.10M	428.77M	387.50M
Effective Tax Rate	+10.6%	+10.4%	+10.3%	+10.7%	+10.1%
Per Share & Capital
EPS (Basic)	1.97	1.72	1.60	1.35	1.30
EPS (Diluted)	1.97	1.72	1.60	1.35	1.30
EPS Growth	+14.9%	+7.1%	+19.2%	+3.2%	+118.2%
Dividend Per Share	1.07	0.98	0.94	0.80	0.72
Shares Change (YoY)	-0	-0	0	—	—
Shares Outstanding (Basic)	2.48B	2.48B	2.49B	2.49B	2.49B
Shares Outstanding (Diluted)	2.48B	2.48B	2.49B	2.49B	2.49B
Dividend Growth	+9.0%	+4.5%	+18.2%	+10.0%	+274.9%
Free Cash Flow	-22.64B	-8.61B	-15.03B	-16.39B	-7.25B
Free Cash Flow Margin	-237.1%	-101.6%	-194.4%	-246.1%	-115.3%
Free Cash Flow Per Share	-9.14	-3.47	-6.03	-6.58	-2.91
Payout Ratio	+48.9%	+52.8%	+52.6%	+53.7%	+36.5%
Preferred Dividends & Other Adjustments	467.77M	282.88M	224.61M	224.89M	204.35M