Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (SAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	6.01B	5.54B	4.98B	4.64B	4.01B
Interest Income	9.14B	8.56B	7.54B	4.97B	3.76B
Interest Expense	4.39B	4.13B	3.43B	1.08B	0.27B
Pretax Income	3.40B	3.13B	2.64B	2.32B	1.88B
Income Tax	350.15M	322.27M	272.02M	239.04M	193.66M
Net Income	2.96B	2.81B	2.37B	2.08B	1.69B
Net Interest Income	4.86B	4.54B	4.18B	3.95B	3.52B
Non-Interest Income	1.34B	1.14B	1.12B	1.24B	1.06B
Non-Interest Expense	2.61B	2.41B	2.34B	2.32B	2.13B
Loan Loss Provisions	181.36M	129.69M	323.83M	550.65M	569.67M
EPS (Basic)	1.99	1.88	1.59	1.39	1.13
EPS (Diluted)	1.99	1.88	1.59	1.39	1.13
DPS	1.00	0.50	0.33	0.33	—
Margins & Efficiency
Net Margin %	+49.3%	+50.6%	+47.6%	+44.9%	+42.0%
Revenue & Income
Revenue	6.01B	5.54B	4.98B	4.64B	4.01B
Revenue	6.01B	5.54B	4.98B	4.64B	4.01B
Revenue Growth (YoY)	+8.5%	+11.3%	+7.3%	+15.6%	+12.5%
Revenues Before Loan Losses	6.19B	5.67B	5.30B	5.19B	4.58B
Interest Income on Investments	103.83M	103.25M	70.25M	63.35M	34.78M
Interest Income on Loans	9.14B	8.56B	7.54B	4.97B	3.76B
Total Interest Income	9.25B	8.66B	7.61B	5.03B	3.80B
Net Interest Income	4.86B	4.54B	4.18B	3.95B	3.52B
Net Interest Income Growth (YoY)	+7.0%	+8.5%	+5.8%	+12.1%	+6.5%
Non-Interest Income Growth (YoY)	+17.8%	+1.1%	-9.6%	+17.2%	+11.1%
Total Non-Interest Income	1.34B	1.14B	1.12B	1.24B	1.06B
Other Non-Interest Income	1.32B	1.12B	1.03B	1.21B	1.09B
Gain (Loss) on Sale of Investments	17.01M	14.16M	87.79M	29.03M	-28.82M
Expenses & Provisions
Selling, General & Administrative	774.86M	715.62M	718.80M	780.19M	688.69M
Interest Paid on Deposits	4.39B	4.13B	3.43B	1.08B	0.27B
Total Non-Interest Expense	2.61B	2.41B	2.34B	2.32B	2.13B
Provision for Loan Losses	181.36M	129.69M	323.83M	550.65M	569.67M
Salaries and Employee Benefits	1.53B	1.42B	1.32B	1.25B	1.17B
Occupancy Expenses	303.49M	273.38M	298.30M	290.41M	276.45M
Profitability & Returns
EBT Excluding Unusual Items	3.40B	3.13B	2.64B	2.32B	1.88B
Pretax Income	3.40B	3.13B	2.64B	2.32B	1.88B
Profit Margin	+49.3%	+50.6%	+47.6%	+44.9%	+42.0%
Net Income	3.05B	2.81B	2.37B	2.08B	1.69B
Net Income to Common	2.96B	2.81B	2.37B	2.08B	1.69B
Net Income Growth	+8.7%	+18.5%	+13.8%	+23.4%	+25.1%
Earnings From Continuing Ops.	3.05B	2.81B	2.37B	2.08B	1.69B
Income Tax Expense	350.15M	322.27M	272.02M	239.04M	193.66M
Effective Tax Rate	+10.3%	+10.3%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	1.99	1.88	1.59	1.39	1.13
EPS (Diluted)	1.99	1.88	1.59	1.39	1.13
EPS Growth	+5.6%	+18.4%	+14.0%	+23.6%	+24.9%
Dividend Per Share	1.00	0.50	0.33	0.33	—
Shares Change (YoY)	—	0	-0	-0	0
Shares Outstanding (Basic)	1.49B	1.49B	1.49B	1.49B	1.49B
Shares Outstanding (Diluted)	1.49B	1.49B	1.49B	1.49B	1.49B
Dividend Growth	+100.0%	+50.0%	—	—	—
Free Cash Flow	-7.02B	-1.69B	-17.01B	-5.21B	-7.12B
Free Cash Flow Margin	-116.7%	-30.4%	-341.7%	-112.3%	-177.3%
Free Cash Flow Per Share	-4.71	-1.13	-11.42	-3.49	-4.76
Payout Ratio	+22.1%	+40.1%	+21.1%	—	—
Preferred Dividends & Other Adjustments	85.19M	—	—	—	—

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	6.01B	5.54B	4.98B	4.64B	4.01B
Interest Income	9.14B	8.56B	7.54B	4.97B	3.76B
Interest Expense	4.39B	4.13B	3.43B	1.08B	0.27B
Pretax Income	3.40B	3.13B	2.64B	2.32B	1.88B
Income Tax	350.15M	322.27M	272.02M	239.04M	193.66M
Net Income	2.96B	2.81B	2.37B	2.08B	1.69B
Net Interest Income	4.86B	4.54B	4.18B	3.95B	3.52B
Non-Interest Income	1.34B	1.14B	1.12B	1.24B	1.06B
Non-Interest Expense	2.61B	2.41B	2.34B	2.32B	2.13B
Loan Loss Provisions	181.36M	129.69M	323.83M	550.65M	569.67M
EPS (Basic)	1.99	1.88	1.59	1.39	1.13
EPS (Diluted)	1.99	1.88	1.59	1.39	1.13
DPS	1.00	0.50	0.33	0.33	—
Margins & Efficiency
Net Margin %	+49.3%	+50.6%	+47.6%	+44.9%	+42.0%
Revenue & Income
Revenue	6.01B	5.54B	4.98B	4.64B	4.01B
Revenue	6.01B	5.54B	4.98B	4.64B	4.01B
Revenue Growth (YoY)	+8.5%	+11.3%	+7.3%	+15.6%	+12.5%
Revenues Before Loan Losses	6.19B	5.67B	5.30B	5.19B	4.58B
Interest Income on Investments	103.83M	103.25M	70.25M	63.35M	34.78M
Interest Income on Loans	9.14B	8.56B	7.54B	4.97B	3.76B
Total Interest Income	9.25B	8.66B	7.61B	5.03B	3.80B
Net Interest Income	4.86B	4.54B	4.18B	3.95B	3.52B
Net Interest Income Growth (YoY)	+7.0%	+8.5%	+5.8%	+12.1%	+6.5%
Non-Interest Income Growth (YoY)	+17.8%	+1.1%	-9.6%	+17.2%	+11.1%
Total Non-Interest Income	1.34B	1.14B	1.12B	1.24B	1.06B
Other Non-Interest Income	1.32B	1.12B	1.03B	1.21B	1.09B
Gain (Loss) on Sale of Investments	17.01M	14.16M	87.79M	29.03M	-28.82M
Expenses & Provisions
Selling, General & Administrative	774.86M	715.62M	718.80M	780.19M	688.69M
Interest Paid on Deposits	4.39B	4.13B	3.43B	1.08B	0.27B
Total Non-Interest Expense	2.61B	2.41B	2.34B	2.32B	2.13B
Provision for Loan Losses	181.36M	129.69M	323.83M	550.65M	569.67M
Salaries and Employee Benefits	1.53B	1.42B	1.32B	1.25B	1.17B
Occupancy Expenses	303.49M	273.38M	298.30M	290.41M	276.45M
Profitability & Returns
EBT Excluding Unusual Items	3.40B	3.13B	2.64B	2.32B	1.88B
Pretax Income	3.40B	3.13B	2.64B	2.32B	1.88B
Profit Margin	+49.3%	+50.6%	+47.6%	+44.9%	+42.0%
Net Income	3.05B	2.81B	2.37B	2.08B	1.69B
Net Income to Common	2.96B	2.81B	2.37B	2.08B	1.69B
Net Income Growth	+8.7%	+18.5%	+13.8%	+23.4%	+25.1%
Earnings From Continuing Ops.	3.05B	2.81B	2.37B	2.08B	1.69B
Income Tax Expense	350.15M	322.27M	272.02M	239.04M	193.66M
Effective Tax Rate	+10.3%	+10.3%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	1.99	1.88	1.59	1.39	1.13
EPS (Diluted)	1.99	1.88	1.59	1.39	1.13
EPS Growth	+5.6%	+18.4%	+14.0%	+23.6%	+24.9%
Dividend Per Share	1.00	0.50	0.33	0.33	—
Shares Change (YoY)	—	0	-0	-0	0
Shares Outstanding (Basic)	1.49B	1.49B	1.49B	1.49B	1.49B
Shares Outstanding (Diluted)	1.49B	1.49B	1.49B	1.49B	1.49B
Dividend Growth	+100.0%	+50.0%	—	—	—
Free Cash Flow	-7.02B	-1.69B	-17.01B	-5.21B	-7.12B
Free Cash Flow Margin	-116.7%	-30.4%	-341.7%	-112.3%	-177.3%
Free Cash Flow Per Share	-4.71	-1.13	-11.42	-3.49	-4.76
Payout Ratio	+22.1%	+40.1%	+21.1%	—	—
Preferred Dividends & Other Adjustments	85.19M	—	—	—	—

Financials

Annual (SAR)

ALBILAD

Annual (SAR)