Financials

Income Statement Balance Sheet Cash Flow Ratios

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	2.45B	2.91B	2.27B	2.38B	2.31B
Interest Income	3.98B	—	3.91B	3.90B	3.55B
Interest Expense	1.87B	—	1.90B	1.73B	1.60B
Pretax Income	1.60B	1.35B	1.55B	1.56B	1.53B
Income Tax	239.75M	200.53M	225.11M	217.95M	226.03M
Net Income	1.36B	1.26B	1.33B	1.22B	1.30B
Net Interest Income	2.19B	3.56B	2.05B	2.27B	2.00B
Non-Interest Income	0.39B	-1.18B	0.34B	0.32B	0.51B
Non-Interest Expense	0.85B	1.57B	0.72B	0.82B	0.78B
Loan Loss Provisions	135.28M	-540.83M	119.32M	216.15M	205.36M
EPS (Basic)	0.68	0.56	0.67	0.61	0.65
EPS (Diluted)	0.68	0.56	0.67	0.61	0.65
Margins & Efficiency
Net Margin %	+55.4%	+43.4%	+58.5%	+51.3%	+56.5%
Revenue & Income
Revenue	2.45B	2.91B	2.27B	2.38B	2.31B
Revenue	2.45B	2.91B	2.27B	2.38B	2.31B
Revenue Growth (YoY)	+6.4%	—	+1.2%	+9.7%	+7.4%
Revenues Before Loan Losses	2.59B	2.37B	2.39B	2.59B	2.51B
Interest Income on Investments	82.09M	—	42.21M	100.89M	50.33M
Interest Income on Loans	3.98B	—	3.91B	3.90B	3.55B
Total Interest Income	4.07B	—	3.95B	4.00B	3.60B
Net Interest Income	2.19B	3.56B	2.05B	2.27B	2.00B
Net Interest Income Growth (YoY)	+9.5%	—	-3.3%	+14.7%	+1.9%
Non-Interest Income Growth (YoY)	-22.3%	—	+18.0%	-9.0%	+48.5%
Total Non-Interest Income	0.39B	-1.18B	0.34B	0.32B	0.51B
Other Non-Interest Income	0.33B	-1.06B	0.33B	0.34B	0.38B
Income From Trading Activities	33.78M	-49.04M	3.65M	26.64M	18.76M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	34.43M	-70.64M	6.89M	-49.19M	112.94M
Expenses & Provisions
Selling, General & Administrative	280.96M	-799.71M	243.22M	283.72M	270.69M
Interest Paid on Deposits	1.87B	—	1.90B	1.73B	1.60B
Total Non-Interest Expense	0.85B	1.57B	0.72B	0.82B	0.78B
Other Non-Interest Expense	—	3.90B	—	—	—
Provision for Loan Losses	135.28M	-540.83M	119.32M	216.15M	205.36M
Salaries and Employee Benefits	0.51B	-1.45B	0.51B	0.48B	0.45B
Occupancy Expenses	67.63M	-211.49M	74.65M	70.15M	61.11M
Profitability & Returns
EBT Excluding Unusual Items	1.60B	1.35B	1.55B	1.56B	1.53B
Pretax Income	1.60B	1.35B	1.55B	1.56B	1.53B
Profit Margin	+55.4%	+43.4%	+58.5%	+51.3%	+56.5%
Net Income	1.36B	1.15B	1.33B	1.34B	1.30B
Net Income to Common	1.36B	1.26B	1.33B	1.22B	1.30B
Net Income Growth	+4.3%	—	+6.9%	+8.6%	+5.5%
Earnings From Continuing Ops.	1.36B	1.15B	1.33B	1.34B	1.30B
Earnings From Discontinued Ops.	-1.24M	—	—	—	4.38M
Minority Interest in Earnings	0.16M	0.71M	0.43M	-0.59M	-0.56M
Income Tax Expense	239.75M	200.53M	225.11M	217.95M	226.03M
Effective Tax Rate	+15.0%	+14.9%	+14.5%	+14.0%	+14.8%
Per Share & Capital
EPS (Basic)	0.68	0.56	0.67	0.61	0.65
EPS (Diluted)	0.68	0.56	0.67	0.61	0.65
EPS Growth	+4.7%	—	+7.4%	-0.7%	+5.5%
Dividend Per Share	—	0.65	0.65	—	—
Shares Change (YoY)	-0	—	-0	-0	—
Shares Outstanding (Basic)	1.99B	2.24B	1.99B	1.99B	2.00B
Shares Outstanding (Diluted)	1.99B	2.24B	1.99B	1.99B	2.00B
Dividend Growth	—	—	—	—	—
Free Cash Flow	3.18B	26.00B	-5.98B	-8.72B	-9.58B
Free Cash Flow Margin	+129.6%	+892.5%	-263.2%	-366.9%	-415.2%
Free Cash Flow Per Share	1.60	11.59	-3.00	-4.38	-4.79
Payout Ratio	+85.7%	—	+88.3%	—	+89.4%
Preferred Dividends & Other Adjustments	—	-117.34M	—	117.34M	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	2.45B	2.91B	2.27B	2.38B	2.31B
Interest Income	3.98B	—	3.91B	3.90B	3.55B
Interest Expense	1.87B	—	1.90B	1.73B	1.60B
Pretax Income	1.60B	1.35B	1.55B	1.56B	1.53B
Income Tax	239.75M	200.53M	225.11M	217.95M	226.03M
Net Income	1.36B	1.26B	1.33B	1.22B	1.30B
Net Interest Income	2.19B	3.56B	2.05B	2.27B	2.00B
Non-Interest Income	0.39B	-1.18B	0.34B	0.32B	0.51B
Non-Interest Expense	0.85B	1.57B	0.72B	0.82B	0.78B
Loan Loss Provisions	135.28M	-540.83M	119.32M	216.15M	205.36M
EPS (Basic)	0.68	0.56	0.67	0.61	0.65
EPS (Diluted)	0.68	0.56	0.67	0.61	0.65
Margins & Efficiency
Net Margin %	+55.4%	+43.4%	+58.5%	+51.3%	+56.5%
Revenue & Income
Revenue	2.45B	2.91B	2.27B	2.38B	2.31B
Revenue	2.45B	2.91B	2.27B	2.38B	2.31B
Revenue Growth (YoY)	+6.4%	—	+1.2%	+9.7%	+7.4%
Revenues Before Loan Losses	2.59B	2.37B	2.39B	2.59B	2.51B
Interest Income on Investments	82.09M	—	42.21M	100.89M	50.33M
Interest Income on Loans	3.98B	—	3.91B	3.90B	3.55B
Total Interest Income	4.07B	—	3.95B	4.00B	3.60B
Net Interest Income	2.19B	3.56B	2.05B	2.27B	2.00B
Net Interest Income Growth (YoY)	+9.5%	—	-3.3%	+14.7%	+1.9%
Non-Interest Income Growth (YoY)	-22.3%	—	+18.0%	-9.0%	+48.5%
Total Non-Interest Income	0.39B	-1.18B	0.34B	0.32B	0.51B
Other Non-Interest Income	0.33B	-1.06B	0.33B	0.34B	0.38B
Income From Trading Activities	33.78M	-49.04M	3.65M	26.64M	18.76M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	34.43M	-70.64M	6.89M	-49.19M	112.94M
Expenses & Provisions
Selling, General & Administrative	280.96M	-799.71M	243.22M	283.72M	270.69M
Interest Paid on Deposits	1.87B	—	1.90B	1.73B	1.60B
Total Non-Interest Expense	0.85B	1.57B	0.72B	0.82B	0.78B
Other Non-Interest Expense	—	3.90B	—	—	—
Provision for Loan Losses	135.28M	-540.83M	119.32M	216.15M	205.36M
Salaries and Employee Benefits	0.51B	-1.45B	0.51B	0.48B	0.45B
Occupancy Expenses	67.63M	-211.49M	74.65M	70.15M	61.11M
Profitability & Returns
EBT Excluding Unusual Items	1.60B	1.35B	1.55B	1.56B	1.53B
Pretax Income	1.60B	1.35B	1.55B	1.56B	1.53B
Profit Margin	+55.4%	+43.4%	+58.5%	+51.3%	+56.5%
Net Income	1.36B	1.15B	1.33B	1.34B	1.30B
Net Income to Common	1.36B	1.26B	1.33B	1.22B	1.30B
Net Income Growth	+4.3%	—	+6.9%	+8.6%	+5.5%
Earnings From Continuing Ops.	1.36B	1.15B	1.33B	1.34B	1.30B
Earnings From Discontinued Ops.	-1.24M	—	—	—	4.38M
Minority Interest in Earnings	0.16M	0.71M	0.43M	-0.59M	-0.56M
Income Tax Expense	239.75M	200.53M	225.11M	217.95M	226.03M
Effective Tax Rate	+15.0%	+14.9%	+14.5%	+14.0%	+14.8%
Per Share & Capital
EPS (Basic)	0.68	0.56	0.67	0.61	0.65
EPS (Diluted)	0.68	0.56	0.67	0.61	0.65
EPS Growth	+4.7%	—	+7.4%	-0.7%	+5.5%
Dividend Per Share	—	0.65	0.65	—	—
Shares Change (YoY)	-0	—	-0	-0	—
Shares Outstanding (Basic)	1.99B	2.24B	1.99B	1.99B	2.00B
Shares Outstanding (Diluted)	1.99B	2.24B	1.99B	1.99B	2.00B
Dividend Growth	—	—	—	—	—
Free Cash Flow	3.18B	26.00B	-5.98B	-8.72B	-9.58B
Free Cash Flow Margin	+129.6%	+892.5%	-263.2%	-366.9%	-415.2%
Free Cash Flow Per Share	1.60	11.59	-3.00	-4.38	-4.79
Payout Ratio	+85.7%	—	+88.3%	—	+89.4%
Preferred Dividends & Other Adjustments	—	-117.34M	—	117.34M	—

Financials

Quarterly (SAR)

ANB

Quarterly (SAR)