ALINMA

Alinma Bank

1150StocksTadawulBanks

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	10.85B	9.89B	8.43B	6.77B	5.39B
Interest Income	17.37B	16.15B	13.23B	7.61B	5.68B
Interest Expense	7.99B	7.51B	5.57B	1.55B	0.54B
Pretax Income	7.13B	6.50B	5.40B	4.01B	3.02B
Income Tax	728.80M	670.41M	556.32M	413.76M	312.17M
Net Income	5.89B	5.51B	4.64B	3.45B	2.60B
Net Interest Income	9.41B	8.68B	7.69B	6.10B	5.15B
Non-Interest Income	2.47B	2.26B	2.01B	1.88B	1.50B
Non-Interest Expense	3.72B	3.39B	3.03B	2.76B	2.37B
Loan Loss Provisions	1.03B	1.05B	1.27B	1.20B	1.25B
EPS (Basic)	2.37	2.22	1.87	1.39	1.05
EPS (Diluted)	2.37	2.22	1.87	1.39	1.05
DPS	—	1.10	0.68	0.76	0.60
Margins & Efficiency
Net Margin %	+54.3%	+55.7%	+55.1%	+50.9%	+48.3%
Revenue & Income
Revenue	10.85B	9.89B	8.43B	6.77B	5.39B
Revenue	10.85B	9.89B	8.43B	6.77B	5.39B
Revenue Growth (YoY)	+9.7%	+17.4%	+24.4%	+25.6%	+26.5%
Revenues Before Loan Losses	11.88B	10.94B	9.70B	7.97B	6.64B
Interest Income on Investments	30.05M	33.00M	30.80M	30.55M	8.82M
Interest Income on Loans	17.37B	16.15B	13.23B	7.61B	5.68B
Total Interest Income	17.40B	16.19B	13.26B	7.64B	5.69B
Net Interest Income	9.41B	8.68B	7.69B	6.10B	5.15B
Net Interest Income Growth (YoY)	+8.4%	+13.0%	+26.1%	+18.4%	+10.4%
Non-Interest Income Growth (YoY)	+9.3%	+12.2%	+7.4%	+25.4%	+46.8%
Total Non-Interest Income	2.47B	2.26B	2.01B	1.88B	1.50B
Other Non-Interest Income	2.11B	2.01B	1.82B	1.53B	1.36B
Gain (Loss) on Sale of Assets	34.17M	1.70M	7.88M	4.37M	1.57M
Gain (Loss) on Sale of Investments	320.15M	250.96M	190.34M	341.48M	138.48M
Expenses & Provisions
Selling, General & Administrative	1.55B	1.43B	1.31B	1.19B	1.01B
Interest Paid on Deposits	7.99B	7.51B	5.57B	1.55B	0.54B
Total Non-Interest Expense	3.72B	3.39B	3.03B	2.76B	2.37B
Provision for Loan Losses	1.03B	1.05B	1.27B	1.20B	1.25B
Salaries and Employee Benefits	1.73B	1.60B	1.41B	1.30B	1.09B
Occupancy Expenses	431.06M	353.84M	325.31M	279.12M	251.16M
Profitability & Returns
EBT Excluding Unusual Items	7.13B	6.50B	5.40B	4.01B	3.02B
Pretax Income	7.13B	6.50B	5.40B	4.01B	3.02B
Profit Margin	+54.3%	+55.7%	+55.1%	+50.9%	+48.3%
Net Income	6.40B	5.83B	4.84B	3.60B	2.71B
Net Income to Common	5.89B	5.51B	4.64B	3.45B	2.60B
Net Income Growth	+9.7%	+20.5%	+34.5%	+32.8%	+37.8%
Income Tax Expense	728.80M	670.41M	556.32M	413.76M	312.17M
Effective Tax Rate	+10.2%	+10.3%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	2.37	2.22	1.87	1.39	1.05
EPS (Diluted)	2.37	2.22	1.87	1.39	1.05
EPS Growth	+6.9%	+18.9%	+34.5%	+32.4%	+32.3%
Dividend Per Share	—	1.10	0.68	0.76	0.60
Shares Change (YoY)	0	-0	-0	0	0
Shares Outstanding (Basic)	2.49B	2.49B	2.49B	2.49B	2.48B
Shares Outstanding (Diluted)	2.49B	2.49B	2.49B	2.49B	2.48B
Dividend Growth	—	+61.8%	-10.5%	+26.7%	+150.0%
Free Cash Flow	-20.36B	-17.70B	-34.93B	-16.37B	-4.64B
Free Cash Flow Margin	-187.7%	-179.0%	-414.5%	-241.6%	-86.0%
Free Cash Flow Per Share	-8.19	-7.12	-14.04	-6.58	-1.87
Payout Ratio	+46.7%	+34.1%	+55.5%	+47.0%	+47.7%
Preferred Dividends & Other Adjustments	504.54M	321.92M	200.00M	150.00M	106.72M

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	10.85B	9.89B	8.43B	6.77B	5.39B
Interest Income	17.37B	16.15B	13.23B	7.61B	5.68B
Interest Expense	7.99B	7.51B	5.57B	1.55B	0.54B
Pretax Income	7.13B	6.50B	5.40B	4.01B	3.02B
Income Tax	728.80M	670.41M	556.32M	413.76M	312.17M
Net Income	5.89B	5.51B	4.64B	3.45B	2.60B
Net Interest Income	9.41B	8.68B	7.69B	6.10B	5.15B
Non-Interest Income	2.47B	2.26B	2.01B	1.88B	1.50B
Non-Interest Expense	3.72B	3.39B	3.03B	2.76B	2.37B
Loan Loss Provisions	1.03B	1.05B	1.27B	1.20B	1.25B
EPS (Basic)	2.37	2.22	1.87	1.39	1.05
EPS (Diluted)	2.37	2.22	1.87	1.39	1.05
DPS	—	1.10	0.68	0.76	0.60
Margins & Efficiency
Net Margin %	+54.3%	+55.7%	+55.1%	+50.9%	+48.3%
Revenue & Income
Revenue	10.85B	9.89B	8.43B	6.77B	5.39B
Revenue	10.85B	9.89B	8.43B	6.77B	5.39B
Revenue Growth (YoY)	+9.7%	+17.4%	+24.4%	+25.6%	+26.5%
Revenues Before Loan Losses	11.88B	10.94B	9.70B	7.97B	6.64B
Interest Income on Investments	30.05M	33.00M	30.80M	30.55M	8.82M
Interest Income on Loans	17.37B	16.15B	13.23B	7.61B	5.68B
Total Interest Income	17.40B	16.19B	13.26B	7.64B	5.69B
Net Interest Income	9.41B	8.68B	7.69B	6.10B	5.15B
Net Interest Income Growth (YoY)	+8.4%	+13.0%	+26.1%	+18.4%	+10.4%
Non-Interest Income Growth (YoY)	+9.3%	+12.2%	+7.4%	+25.4%	+46.8%
Total Non-Interest Income	2.47B	2.26B	2.01B	1.88B	1.50B
Other Non-Interest Income	2.11B	2.01B	1.82B	1.53B	1.36B
Gain (Loss) on Sale of Assets	34.17M	1.70M	7.88M	4.37M	1.57M
Gain (Loss) on Sale of Investments	320.15M	250.96M	190.34M	341.48M	138.48M
Expenses & Provisions
Selling, General & Administrative	1.55B	1.43B	1.31B	1.19B	1.01B
Interest Paid on Deposits	7.99B	7.51B	5.57B	1.55B	0.54B
Total Non-Interest Expense	3.72B	3.39B	3.03B	2.76B	2.37B
Provision for Loan Losses	1.03B	1.05B	1.27B	1.20B	1.25B
Salaries and Employee Benefits	1.73B	1.60B	1.41B	1.30B	1.09B
Occupancy Expenses	431.06M	353.84M	325.31M	279.12M	251.16M
Profitability & Returns
EBT Excluding Unusual Items	7.13B	6.50B	5.40B	4.01B	3.02B
Pretax Income	7.13B	6.50B	5.40B	4.01B	3.02B
Profit Margin	+54.3%	+55.7%	+55.1%	+50.9%	+48.3%
Net Income	6.40B	5.83B	4.84B	3.60B	2.71B
Net Income to Common	5.89B	5.51B	4.64B	3.45B	2.60B
Net Income Growth	+9.7%	+20.5%	+34.5%	+32.8%	+37.8%
Income Tax Expense	728.80M	670.41M	556.32M	413.76M	312.17M
Effective Tax Rate	+10.2%	+10.3%	+10.3%	+10.3%	+10.3%
Per Share & Capital
EPS (Basic)	2.37	2.22	1.87	1.39	1.05
EPS (Diluted)	2.37	2.22	1.87	1.39	1.05
EPS Growth	+6.9%	+18.9%	+34.5%	+32.4%	+32.3%
Dividend Per Share	—	1.10	0.68	0.76	0.60
Shares Change (YoY)	0	-0	-0	0	0
Shares Outstanding (Basic)	2.49B	2.49B	2.49B	2.49B	2.48B
Shares Outstanding (Diluted)	2.49B	2.49B	2.49B	2.49B	2.48B
Dividend Growth	—	+61.8%	-10.5%	+26.7%	+150.0%
Free Cash Flow	-20.36B	-17.70B	-34.93B	-16.37B	-4.64B
Free Cash Flow Margin	-187.7%	-179.0%	-414.5%	-241.6%	-86.0%
Free Cash Flow Per Share	-8.19	-7.12	-14.04	-6.58	-1.87
Payout Ratio	+46.7%	+34.1%	+55.5%	+47.0%	+47.7%
Preferred Dividends & Other Adjustments	504.54M	321.92M	200.00M	150.00M	106.72M