SAB

Saudi Awwal Bank

1060StocksTadawulBanks

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	14.02B	13.45B	12.15B	9.10B	7.22B
Interest Income	22.36B	20.61B	17.09B	9.32B	6.38B
Interest Expense	10.74B	9.48B	6.75B	1.91B	0.66B
Pretax Income	9.70B	9.37B	8.22B	5.72B	3.93B
Income Tax	1.25B	1.30B	1.22B	0.84B	0.70B
Net Income	7.83B	7.77B	7.00B	4.83B	3.20B
Net Interest Income	11.65B	11.14B	10.35B	7.41B	5.73B
Non-Interest Income	3.07B	2.88B	2.36B	2.13B	1.95B
Non-Interest Expense	4.32B	4.09B	3.92B	3.49B	3.26B
Loan Loss Provisions	703.51M	566.06M	562.44M	445.26M	453.74M
EPS (Basic)	3.81	3.78	3.41	2.35	1.56
EPS (Diluted)	3.81	3.78	3.41	2.35	1.56
DPS	—	2.00	1.86	1.29	0.86
Margins & Efficiency
Net Margin %	+55.8%	+57.7%	+57.6%	+53.1%	+44.4%
Revenue & Income
Revenue	14.02B	13.45B	12.15B	9.10B	7.22B
Revenue	14.02B	13.45B	12.15B	9.10B	7.22B
Revenue Growth (YoY)	+4.2%	+10.7%	+33.5%	+25.9%	-1.3%
Revenues Before Loan Losses	14.72B	14.02B	12.71B	9.54B	7.68B
Interest Income on Investments	26.54M	7.32M	4.75M	—	14.83M
Interest Income on Loans	22.36B	20.61B	17.09B	9.32B	6.38B
Total Interest Income	22.39B	20.62B	17.09B	9.32B	6.39B
Net Interest Income	11.65B	11.14B	10.35B	7.41B	5.73B
Net Interest Income Growth (YoY)	+4.6%	+7.7%	+39.7%	+29.2%	-16.9%
Non-Interest Income Growth (YoY)	+6.7%	+21.8%	+10.8%	+9.6%	-5.3%
Total Non-Interest Income	3.07B	2.88B	2.36B	2.13B	1.95B
Other Non-Interest Income	2.97B	2.98B	2.38B	2.11B	1.88B
Gain (Loss) on Sale of Investments	96.52M	-102.73M	-19.82M	18.85M	62.82M
Expenses & Provisions
Selling, General & Administrative	1.40B	1.52B	1.49B	1.45B	1.03B
Interest Paid on Deposits	10.74B	9.48B	6.75B	1.91B	0.66B
Total Non-Interest Expense	4.32B	4.09B	3.92B	3.49B	3.26B
Provision for Loan Losses	703.51M	566.06M	562.44M	445.26M	453.74M
Salaries and Employee Benefits	2.35B	2.23B	2.06B	1.75B	1.74B
Occupancy Expenses	711.91M	546.65M	565.60M	464.48M	621.61M
Profitability & Returns
EBT Excluding Unusual Items	9.70B	9.37B	8.22B	5.61B	3.96B
Pretax Income	9.70B	9.37B	8.22B	5.72B	3.93B
Profit Margin	+55.8%	+57.7%	+57.6%	+53.1%	+44.4%
Net Income	8.45B	8.07B	7.00B	4.83B	3.20B
Net Income to Common	7.83B	7.77B	7.00B	4.83B	3.20B
Net Income Growth	+4.7%	+15.3%	+45.0%	+50.7%	—
Earnings From Continuing Ops.	8.45B	8.07B	7.00B	4.88B	3.23B
Earnings From Discontinued Ops.	—	—	—	-53.86M	-30.17M
Minority Interest in Earnings	—	—	—	2.01M	2.78M
Income Tax Expense	1.25B	1.30B	1.22B	0.84B	0.70B
Effective Tax Rate	+12.9%	+13.8%	+14.8%	+14.6%	+17.7%
Per Share & Capital
EPS (Basic)	3.81	3.78	3.41	2.35	1.56
EPS (Diluted)	3.81	3.78	3.41	2.35	1.56
EPS Growth	+0.8%	+10.9%	+45.0%	+50.7%	—
Dividend Per Share	—	2.00	1.86	1.29	0.86
Shares Change (YoY)	—	—	—	—	-0
Shares Outstanding (Basic)	2.05B	2.05B	2.05B	2.05B	2.05B
Shares Outstanding (Diluted)	2.05B	2.05B	2.05B	2.05B	2.05B
Dividend Growth	—	+7.5%	+44.2%	+50.0%	—
Free Cash Flow	-49.37B	-15.20B	-23.31B	2.37B	-13.83B
Free Cash Flow Margin	-352.1%	-113.0%	-191.9%	+26.0%	-191.5%
Free Cash Flow Per Share	-24.03	-7.40	-11.34	1.15	-6.73
Payout Ratio	+53.2%	+52.7%	+49.5%	+40.7%	+37.5%
Preferred Dividends & Other Adjustments	625.24M	304.62M	—	—	—
Supplemental
Other Unusual Items	—	—	—	108.60M	—

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	14.02B	13.45B	12.15B	9.10B	7.22B
Interest Income	22.36B	20.61B	17.09B	9.32B	6.38B
Interest Expense	10.74B	9.48B	6.75B	1.91B	0.66B
Pretax Income	9.70B	9.37B	8.22B	5.72B	3.93B
Income Tax	1.25B	1.30B	1.22B	0.84B	0.70B
Net Income	7.83B	7.77B	7.00B	4.83B	3.20B
Net Interest Income	11.65B	11.14B	10.35B	7.41B	5.73B
Non-Interest Income	3.07B	2.88B	2.36B	2.13B	1.95B
Non-Interest Expense	4.32B	4.09B	3.92B	3.49B	3.26B
Loan Loss Provisions	703.51M	566.06M	562.44M	445.26M	453.74M
EPS (Basic)	3.81	3.78	3.41	2.35	1.56
EPS (Diluted)	3.81	3.78	3.41	2.35	1.56
DPS	—	2.00	1.86	1.29	0.86
Margins & Efficiency
Net Margin %	+55.8%	+57.7%	+57.6%	+53.1%	+44.4%
Revenue & Income
Revenue	14.02B	13.45B	12.15B	9.10B	7.22B
Revenue	14.02B	13.45B	12.15B	9.10B	7.22B
Revenue Growth (YoY)	+4.2%	+10.7%	+33.5%	+25.9%	-1.3%
Revenues Before Loan Losses	14.72B	14.02B	12.71B	9.54B	7.68B
Interest Income on Investments	26.54M	7.32M	4.75M	—	14.83M
Interest Income on Loans	22.36B	20.61B	17.09B	9.32B	6.38B
Total Interest Income	22.39B	20.62B	17.09B	9.32B	6.39B
Net Interest Income	11.65B	11.14B	10.35B	7.41B	5.73B
Net Interest Income Growth (YoY)	+4.6%	+7.7%	+39.7%	+29.2%	-16.9%
Non-Interest Income Growth (YoY)	+6.7%	+21.8%	+10.8%	+9.6%	-5.3%
Total Non-Interest Income	3.07B	2.88B	2.36B	2.13B	1.95B
Other Non-Interest Income	2.97B	2.98B	2.38B	2.11B	1.88B
Gain (Loss) on Sale of Investments	96.52M	-102.73M	-19.82M	18.85M	62.82M
Expenses & Provisions
Selling, General & Administrative	1.40B	1.52B	1.49B	1.45B	1.03B
Interest Paid on Deposits	10.74B	9.48B	6.75B	1.91B	0.66B
Total Non-Interest Expense	4.32B	4.09B	3.92B	3.49B	3.26B
Provision for Loan Losses	703.51M	566.06M	562.44M	445.26M	453.74M
Salaries and Employee Benefits	2.35B	2.23B	2.06B	1.75B	1.74B
Occupancy Expenses	711.91M	546.65M	565.60M	464.48M	621.61M
Profitability & Returns
EBT Excluding Unusual Items	9.70B	9.37B	8.22B	5.61B	3.96B
Pretax Income	9.70B	9.37B	8.22B	5.72B	3.93B
Profit Margin	+55.8%	+57.7%	+57.6%	+53.1%	+44.4%
Net Income	8.45B	8.07B	7.00B	4.83B	3.20B
Net Income to Common	7.83B	7.77B	7.00B	4.83B	3.20B
Net Income Growth	+4.7%	+15.3%	+45.0%	+50.7%	—
Earnings From Continuing Ops.	8.45B	8.07B	7.00B	4.88B	3.23B
Earnings From Discontinued Ops.	—	—	—	-53.86M	-30.17M
Minority Interest in Earnings	—	—	—	2.01M	2.78M
Income Tax Expense	1.25B	1.30B	1.22B	0.84B	0.70B
Effective Tax Rate	+12.9%	+13.8%	+14.8%	+14.6%	+17.7%
Per Share & Capital
EPS (Basic)	3.81	3.78	3.41	2.35	1.56
EPS (Diluted)	3.81	3.78	3.41	2.35	1.56
EPS Growth	+0.8%	+10.9%	+45.0%	+50.7%	—
Dividend Per Share	—	2.00	1.86	1.29	0.86
Shares Change (YoY)	—	—	—	—	-0
Shares Outstanding (Basic)	2.05B	2.05B	2.05B	2.05B	2.05B
Shares Outstanding (Diluted)	2.05B	2.05B	2.05B	2.05B	2.05B
Dividend Growth	—	+7.5%	+44.2%	+50.0%	—
Free Cash Flow	-49.37B	-15.20B	-23.31B	2.37B	-13.83B
Free Cash Flow Margin	-352.1%	-113.0%	-191.9%	+26.0%	-191.5%
Free Cash Flow Per Share	-24.03	-7.40	-11.34	1.15	-6.73
Payout Ratio	+53.2%	+52.7%	+49.5%	+40.7%	+37.5%
Preferred Dividends & Other Adjustments	625.24M	304.62M	—	—	—
Supplemental
Other Unusual Items	—	—	—	108.60M	—