ANB

Arab National Bank

1080StocksTadawulBanks

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	9.19B	8.78B	7.90B	6.02B	4.74B
Interest Income	15.21B	14.41B	12.60B	7.66B	5.17B
Interest Expense	7.11B	6.48B	5.34B	2.02B	0.50B
Pretax Income	5.98B	5.74B	4.75B	3.63B	2.62B
Income Tax	869.61M	781.91M	671.11M	565.78M	450.15M
Net Income	4.93B	4.97B	4.07B	3.07B	2.18B
Net Interest Income	8.37B	8.13B	7.40B	5.80B	4.76B
Non-Interest Income	1.52B	1.29B	1.17B	1.10B	1.01B
Non-Interest Expense	3.21B	3.04B	3.15B	2.39B	2.12B
Loan Loss Provisions	0.69B	0.64B	0.67B	0.88B	1.03B
EPS (Basic)	2.47	2.48	2.04	1.54	1.09
EPS (Diluted)	2.47	2.48	2.04	1.54	1.09
DPS	1.30	1.30	1.01	0.83	0.60
Margins & Efficiency
Net Margin %	+53.6%	+56.6%	+51.5%	+51.0%	+45.9%
Revenue & Income
Revenue	9.19B	8.78B	7.90B	6.02B	4.74B
Revenue	9.19B	8.78B	7.90B	6.02B	4.74B
Revenue Growth (YoY)	+4.7%	+11.2%	+31.2%	+27.0%	+3.7%
Revenues Before Loan Losses	9.88B	9.42B	8.57B	6.90B	5.77B
Interest Income on Investments	269.82M	205.38M	143.14M	159.62M	87.59M
Interest Income on Loans	15.21B	14.41B	12.60B	7.66B	5.17B
Total Interest Income	15.47B	14.61B	12.74B	7.82B	5.26B
Net Interest Income	8.37B	8.13B	7.40B	5.80B	4.76B
Net Interest Income Growth (YoY)	+2.9%	+9.9%	+27.7%	+21.8%	-3.9%
Non-Interest Income Growth (YoY)	+17.3%	+11.0%	+5.7%	+8.8%	+12.7%
Total Non-Interest Income	1.52B	1.29B	1.17B	1.10B	1.01B
Other Non-Interest Income	1.24B	1.04B	0.93B	0.97B	0.75B
Income From Trading Activities	81.15M	59.27M	26.94M	39.37M	13.42M
Gain (Loss) on Sale of Assets	-15.55M	13.56M	20.80M	2.65M	-0.17M
Gain (Loss) on Sale of Investments	212.05M	180.55M	187.05M	88.81M	245.35M
Expenses & Provisions
Selling, General & Administrative	1.06B	1.07B	1.07B	0.86B	0.74B
Interest Paid on Deposits	7.11B	6.48B	5.34B	2.02B	0.50B
Total Non-Interest Expense	3.21B	3.04B	3.15B	2.39B	2.12B
Provision for Loan Losses	0.69B	0.64B	0.67B	0.88B	1.03B
Salaries and Employee Benefits	2.01B	1.77B	1.55B	1.38B	1.25B
Occupancy Expenses	261.38M	222.00M	228.29M	213.61M	210.35M
Profitability & Returns
EBT Excluding Unusual Items	5.98B	5.74B	4.75B	3.63B	2.62B
Pretax Income	5.98B	5.74B	4.75B	3.63B	2.62B
Profit Margin	+53.6%	+56.6%	+51.5%	+51.0%	+45.9%
Net Income	5.12B	4.97B	4.07B	3.07B	2.18B
Net Income to Common	4.93B	4.97B	4.07B	3.07B	2.18B
Net Income Growth	+3.0%	+22.0%	+32.6%	+41.1%	+5.0%
Earnings From Continuing Ops.	5.11B	4.96B	4.08B	3.07B	2.17B
Earnings From Discontinued Ops.	5.96M	10.51M	—	—	—
Minority Interest in Earnings	-0.75M	-1.33M	-5.13M	3.35M	5.17M
Income Tax Expense	869.61M	781.91M	671.11M	565.78M	450.15M
Effective Tax Rate	+14.5%	+13.6%	+14.1%	+15.6%	+17.2%
Per Share & Capital
EPS (Basic)	2.47	2.48	2.04	1.54	1.09
EPS (Diluted)	2.47	2.48	2.04	1.54	1.09
EPS Growth	-0.4%	+22.0%	+32.6%	+41.1%	+5.0%
Dividend Per Share	1.30	1.30	1.01	0.83	0.60
Shares Change (YoY)	-0	-0	0	—	—
Shares Outstanding (Basic)	1.99B	2.00B	2.00B	2.00B	2.00B
Shares Outstanding (Diluted)	1.99B	2.00B	2.00B	2.00B	2.00B
Dividend Growth	—	+28.4%	+22.7%	+37.5%	+100.0%
Free Cash Flow	-25.97B	-7.73B	-10.16B	-14.22B	-5.52B
Free Cash Flow Margin	-282.6%	-88.0%	-128.6%	-236.3%	-116.4%
Free Cash Flow Per Share	-13.04	-3.86	-5.08	-7.11	-2.76
Payout Ratio	+45.7%	+43.5%	+42.4%	+44.5%	+49.3%
Preferred Dividends & Other Adjustments	187.41M	—	—	—	—

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	9.19B	8.78B	7.90B	6.02B	4.74B
Interest Income	15.21B	14.41B	12.60B	7.66B	5.17B
Interest Expense	7.11B	6.48B	5.34B	2.02B	0.50B
Pretax Income	5.98B	5.74B	4.75B	3.63B	2.62B
Income Tax	869.61M	781.91M	671.11M	565.78M	450.15M
Net Income	4.93B	4.97B	4.07B	3.07B	2.18B
Net Interest Income	8.37B	8.13B	7.40B	5.80B	4.76B
Non-Interest Income	1.52B	1.29B	1.17B	1.10B	1.01B
Non-Interest Expense	3.21B	3.04B	3.15B	2.39B	2.12B
Loan Loss Provisions	0.69B	0.64B	0.67B	0.88B	1.03B
EPS (Basic)	2.47	2.48	2.04	1.54	1.09
EPS (Diluted)	2.47	2.48	2.04	1.54	1.09
DPS	1.30	1.30	1.01	0.83	0.60
Margins & Efficiency
Net Margin %	+53.6%	+56.6%	+51.5%	+51.0%	+45.9%
Revenue & Income
Revenue	9.19B	8.78B	7.90B	6.02B	4.74B
Revenue	9.19B	8.78B	7.90B	6.02B	4.74B
Revenue Growth (YoY)	+4.7%	+11.2%	+31.2%	+27.0%	+3.7%
Revenues Before Loan Losses	9.88B	9.42B	8.57B	6.90B	5.77B
Interest Income on Investments	269.82M	205.38M	143.14M	159.62M	87.59M
Interest Income on Loans	15.21B	14.41B	12.60B	7.66B	5.17B
Total Interest Income	15.47B	14.61B	12.74B	7.82B	5.26B
Net Interest Income	8.37B	8.13B	7.40B	5.80B	4.76B
Net Interest Income Growth (YoY)	+2.9%	+9.9%	+27.7%	+21.8%	-3.9%
Non-Interest Income Growth (YoY)	+17.3%	+11.0%	+5.7%	+8.8%	+12.7%
Total Non-Interest Income	1.52B	1.29B	1.17B	1.10B	1.01B
Other Non-Interest Income	1.24B	1.04B	0.93B	0.97B	0.75B
Income From Trading Activities	81.15M	59.27M	26.94M	39.37M	13.42M
Gain (Loss) on Sale of Assets	-15.55M	13.56M	20.80M	2.65M	-0.17M
Gain (Loss) on Sale of Investments	212.05M	180.55M	187.05M	88.81M	245.35M
Expenses & Provisions
Selling, General & Administrative	1.06B	1.07B	1.07B	0.86B	0.74B
Interest Paid on Deposits	7.11B	6.48B	5.34B	2.02B	0.50B
Total Non-Interest Expense	3.21B	3.04B	3.15B	2.39B	2.12B
Provision for Loan Losses	0.69B	0.64B	0.67B	0.88B	1.03B
Salaries and Employee Benefits	2.01B	1.77B	1.55B	1.38B	1.25B
Occupancy Expenses	261.38M	222.00M	228.29M	213.61M	210.35M
Profitability & Returns
EBT Excluding Unusual Items	5.98B	5.74B	4.75B	3.63B	2.62B
Pretax Income	5.98B	5.74B	4.75B	3.63B	2.62B
Profit Margin	+53.6%	+56.6%	+51.5%	+51.0%	+45.9%
Net Income	5.12B	4.97B	4.07B	3.07B	2.18B
Net Income to Common	4.93B	4.97B	4.07B	3.07B	2.18B
Net Income Growth	+3.0%	+22.0%	+32.6%	+41.1%	+5.0%
Earnings From Continuing Ops.	5.11B	4.96B	4.08B	3.07B	2.17B
Earnings From Discontinued Ops.	5.96M	10.51M	—	—	—
Minority Interest in Earnings	-0.75M	-1.33M	-5.13M	3.35M	5.17M
Income Tax Expense	869.61M	781.91M	671.11M	565.78M	450.15M
Effective Tax Rate	+14.5%	+13.6%	+14.1%	+15.6%	+17.2%
Per Share & Capital
EPS (Basic)	2.47	2.48	2.04	1.54	1.09
EPS (Diluted)	2.47	2.48	2.04	1.54	1.09
EPS Growth	-0.4%	+22.0%	+32.6%	+41.1%	+5.0%
Dividend Per Share	1.30	1.30	1.01	0.83	0.60
Shares Change (YoY)	-0	-0	0	—	—
Shares Outstanding (Basic)	1.99B	2.00B	2.00B	2.00B	2.00B
Shares Outstanding (Diluted)	1.99B	2.00B	2.00B	2.00B	2.00B
Dividend Growth	—	+28.4%	+22.7%	+37.5%	+100.0%
Free Cash Flow	-25.97B	-7.73B	-10.16B	-14.22B	-5.52B
Free Cash Flow Margin	-282.6%	-88.0%	-128.6%	-236.3%	-116.4%
Free Cash Flow Per Share	-13.04	-3.86	-5.08	-7.11	-2.76
Payout Ratio	+45.7%	+43.5%	+42.4%	+44.5%	+49.3%
Preferred Dividends & Other Adjustments	187.41M	—	—	—	—