ALRAJHI

Al Rajhi Bank

1120StocksTadawulBanks

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	36.77B	29.94B	26.03B	26.57B	23.37B
Interest Income	55.85B	47.02B	38.74B	28.20B	21.44B
Interest Expense	26.00B	22.18B	17.47B	6.03B	1.05B
Pretax Income	27.65B	21.97B	18.53B	19.12B	16.44B
Income Tax	2.82B	2.24B	1.91B	1.97B	1.70B
Net Income	23.41B	18.69B	15.80B	16.95B	14.75B
Net Interest Income	29.85B	24.84B	21.27B	22.17B	20.39B
Non-Interest Income	9.25B	7.21B	6.26B	6.40B	5.32B
Non-Interest Expense	9.13B	7.97B	7.50B	7.41B	6.93B
Loan Loss Provisions	2.32B	2.12B	1.50B	2.00B	2.35B
EPS (Basic)	5.85	4.67	3.95	4.24	3.69
EPS (Diluted)	5.85	4.67	3.95	4.24	3.69
DPS	2.50	2.71	2.30	1.25	—
Margins & Efficiency
Net Margin %	+63.7%	+62.4%	+60.7%	+63.8%	+63.1%
Revenue & Income
Revenue	36.77B	29.94B	26.03B	26.57B	23.37B
Revenue	36.77B	29.94B	26.03B	26.57B	23.37B
Revenue Growth (YoY)	+22.8%	+15.0%	-2.1%	+13.7%	+26.0%
Revenues Before Loan Losses	39.09B	32.06B	27.53B	28.58B	25.72B
Interest Income on Loans	55.85B	47.02B	38.74B	28.20B	21.44B
Net Interest Income	29.85B	24.84B	21.27B	22.17B	20.39B
Net Interest Income Growth (YoY)	+20.1%	+16.8%	-4.1%	+8.7%	+20.6%
Non-Interest Income Growth (YoY)	+28.2%	+15.2%	-2.2%	+20.2%	+39.8%
Total Non-Interest Income	9.25B	7.21B	6.26B	6.40B	5.32B
Other Non-Interest Income	9.24B	7.00B	6.13B	6.59B	5.28B
Gain (Loss) on Sale of Assets	8.87M	5.22M	9.85M	1.28M	47.51M
Gain (Loss) on Sale of Equity Investments	117.93M	137.34M	87.87M	20.24M	32.03M
Gain (Loss) on Sale of Investments	-118.72M	66.80M	32.05M	-208.77M	-37.90M
Expenses & Provisions
Selling, General & Administrative	2.73B	2.23B	2.39B	2.72B	2.65B
Interest Paid on Deposits	26.00B	22.18B	17.47B	6.03B	1.05B
Total Non-Interest Expense	9.13B	7.97B	7.50B	7.41B	6.93B
Provision for Loan Losses	2.32B	2.12B	1.50B	2.00B	2.35B
Salaries and Employee Benefits	4.03B	3.76B	3.53B	3.40B	3.13B
Occupancy Expenses	2.37B	1.98B	1.58B	1.29B	1.14B
Asset Writedown	—	—	—	-39.02M	—
Profitability & Returns
EBT Excluding Unusual Items	27.65B	21.97B	18.53B	19.16B	16.44B
Pretax Income	27.65B	21.97B	18.53B	19.12B	16.44B
Profit Margin	+63.7%	+62.4%	+60.7%	+63.8%	+63.1%
Net Income	24.79B	19.72B	16.62B	17.15B	14.75B
Net Income to Common	23.41B	18.69B	15.80B	16.95B	14.75B
Net Income Growth	+25.7%	+18.7%	-3.1%	+16.3%	+39.2%
Earnings From Continuing Ops.	24.82B	19.73B	16.62B	17.15B	14.75B
Minority Interest in Earnings	-32.76M	-8.98M	—	—	—
Income Tax Expense	2.82B	2.24B	1.91B	1.97B	1.70B
Effective Tax Rate	+10.2%	+10.2%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	5.85	4.67	3.95	4.24	3.69
EPS (Diluted)	5.85	4.67	3.95	4.24	3.69
EPS Growth	+25.3%	+18.3%	-6.8%	+15.0%	+39.2%
Dividend Per Share	2.50	2.71	2.30	1.25	—
Shares Outstanding (Basic)	4.00B	4.00B	4.00B	4.00B	4.00B
Shares Outstanding (Diluted)	4.00B	4.00B	4.00B	4.00B	4.00B
Dividend Growth	-7.7%	+17.8%	+84.0%	—	—
Free Cash Flow	-38.20B	-19.99B	16.10B	-47.68B	-107.38B
Free Cash Flow Margin	-103.9%	-66.8%	+61.9%	-179.4%	-459.5%
Free Cash Flow Per Share	-9.55	-5.00	4.03	-11.92	-26.85
Payout Ratio	+35.7%	+48.7%	+57.8%	—	+40.7%
Preferred Dividends & Other Adjustments	1.38B	1.04B	0.82B	0.20B	—

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	36.77B	29.94B	26.03B	26.57B	23.37B
Interest Income	55.85B	47.02B	38.74B	28.20B	21.44B
Interest Expense	26.00B	22.18B	17.47B	6.03B	1.05B
Pretax Income	27.65B	21.97B	18.53B	19.12B	16.44B
Income Tax	2.82B	2.24B	1.91B	1.97B	1.70B
Net Income	23.41B	18.69B	15.80B	16.95B	14.75B
Net Interest Income	29.85B	24.84B	21.27B	22.17B	20.39B
Non-Interest Income	9.25B	7.21B	6.26B	6.40B	5.32B
Non-Interest Expense	9.13B	7.97B	7.50B	7.41B	6.93B
Loan Loss Provisions	2.32B	2.12B	1.50B	2.00B	2.35B
EPS (Basic)	5.85	4.67	3.95	4.24	3.69
EPS (Diluted)	5.85	4.67	3.95	4.24	3.69
DPS	2.50	2.71	2.30	1.25	—
Margins & Efficiency
Net Margin %	+63.7%	+62.4%	+60.7%	+63.8%	+63.1%
Revenue & Income
Revenue	36.77B	29.94B	26.03B	26.57B	23.37B
Revenue	36.77B	29.94B	26.03B	26.57B	23.37B
Revenue Growth (YoY)	+22.8%	+15.0%	-2.1%	+13.7%	+26.0%
Revenues Before Loan Losses	39.09B	32.06B	27.53B	28.58B	25.72B
Interest Income on Loans	55.85B	47.02B	38.74B	28.20B	21.44B
Net Interest Income	29.85B	24.84B	21.27B	22.17B	20.39B
Net Interest Income Growth (YoY)	+20.1%	+16.8%	-4.1%	+8.7%	+20.6%
Non-Interest Income Growth (YoY)	+28.2%	+15.2%	-2.2%	+20.2%	+39.8%
Total Non-Interest Income	9.25B	7.21B	6.26B	6.40B	5.32B
Other Non-Interest Income	9.24B	7.00B	6.13B	6.59B	5.28B
Gain (Loss) on Sale of Assets	8.87M	5.22M	9.85M	1.28M	47.51M
Gain (Loss) on Sale of Equity Investments	117.93M	137.34M	87.87M	20.24M	32.03M
Gain (Loss) on Sale of Investments	-118.72M	66.80M	32.05M	-208.77M	-37.90M
Expenses & Provisions
Selling, General & Administrative	2.73B	2.23B	2.39B	2.72B	2.65B
Interest Paid on Deposits	26.00B	22.18B	17.47B	6.03B	1.05B
Total Non-Interest Expense	9.13B	7.97B	7.50B	7.41B	6.93B
Provision for Loan Losses	2.32B	2.12B	1.50B	2.00B	2.35B
Salaries and Employee Benefits	4.03B	3.76B	3.53B	3.40B	3.13B
Occupancy Expenses	2.37B	1.98B	1.58B	1.29B	1.14B
Asset Writedown	—	—	—	-39.02M	—
Profitability & Returns
EBT Excluding Unusual Items	27.65B	21.97B	18.53B	19.16B	16.44B
Pretax Income	27.65B	21.97B	18.53B	19.12B	16.44B
Profit Margin	+63.7%	+62.4%	+60.7%	+63.8%	+63.1%
Net Income	24.79B	19.72B	16.62B	17.15B	14.75B
Net Income to Common	23.41B	18.69B	15.80B	16.95B	14.75B
Net Income Growth	+25.7%	+18.7%	-3.1%	+16.3%	+39.2%
Earnings From Continuing Ops.	24.82B	19.73B	16.62B	17.15B	14.75B
Minority Interest in Earnings	-32.76M	-8.98M	—	—	—
Income Tax Expense	2.82B	2.24B	1.91B	1.97B	1.70B
Effective Tax Rate	+10.2%	+10.2%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	5.85	4.67	3.95	4.24	3.69
EPS (Diluted)	5.85	4.67	3.95	4.24	3.69
EPS Growth	+25.3%	+18.3%	-6.8%	+15.0%	+39.2%
Dividend Per Share	2.50	2.71	2.30	1.25	—
Shares Outstanding (Basic)	4.00B	4.00B	4.00B	4.00B	4.00B
Shares Outstanding (Diluted)	4.00B	4.00B	4.00B	4.00B	4.00B
Dividend Growth	-7.7%	+17.8%	+84.0%	—	—
Free Cash Flow	-38.20B	-19.99B	16.10B	-47.68B	-107.38B
Free Cash Flow Margin	-103.9%	-66.8%	+61.9%	-179.4%	-459.5%
Free Cash Flow Per Share	-9.55	-5.00	4.03	-11.92	-26.85
Payout Ratio	+35.7%	+48.7%	+57.8%	—	+40.7%
Preferred Dividends & Other Adjustments	1.38B	1.04B	0.82B	0.20B	—