ALINMA

Alinma Bank

1150StocksTadawulBanks

Financials

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	2.85B	2.88B	2.71B	2.67B	2.59B
Interest Income	4.42B	4.50B	4.50B	4.25B	4.12B
Interest Expense	1.94B	2.04B	2.13B	1.98B	1.83B
Pretax Income	1.87B	1.92B	1.78B	1.75B	1.68B
Income Tax	192.96M	198.18M	183.02M	174.24M	173.36M
Net Income	1.45B	1.61B	1.42B	1.52B	1.34B
Net Interest Income	2.48B	2.46B	2.37B	2.28B	2.29B
Non-Interest Income	527.34M	706.21M	582.66M	656.99M	523.00M
Non-Interest Expense	982.48M	962.20M	933.28M	917.87M	905.96M
Loan Loss Provisions	153.63M	283.37M	246.85M	274.20M	225.95M
EPS (Basic)	0.48	0.54	0.48	0.51	0.45
EPS (Diluted)	0.48	0.54	0.48	0.51	0.45
Margins & Efficiency
Net Margin %	+50.7%	+55.9%	+52.4%	+57.1%	+51.6%
Revenue & Income
Revenue	2.85B	2.88B	2.71B	2.67B	2.59B
Revenue	2.85B	2.88B	2.71B	2.67B	2.59B
Revenue Growth (YoY)	+10.3%	+12.4%	+3.9%	+10.2%	+12.5%
Revenues Before Loan Losses	3.01B	3.17B	2.96B	2.94B	2.81B
Interest Income on Investments	5.12M	4.09M	7.91M	10.73M	7.33M
Interest Income on Loans	4.42B	4.50B	4.50B	4.25B	4.12B
Total Interest Income	4.42B	4.50B	4.51B	4.27B	4.12B
Net Interest Income	2.48B	2.46B	2.37B	2.28B	2.29B
Net Interest Income Growth (YoY)	+8.3%	+8.3%	+6.4%	+5.7%	+13.4%
Non-Interest Income Growth (YoY)	+0.8%	+29.5%	-0.9%	+13.3%	-4.2%
Total Non-Interest Income	527.34M	706.21M	582.66M	656.99M	523.00M
Other Non-Interest Income	451.04M	543.84M	524.66M	572.00M	474.05M
Gain (Loss) on Sale of Assets	—	34.17M	—	—	—
Gain (Loss) on Sale of Investments	76.30M	128.21M	58.00M	84.99M	48.95M
Expenses & Provisions
Selling, General & Administrative	397.32M	406.86M	367.52M	362.35M	378.95M
Interest Paid on Deposits	1.94B	2.04B	2.13B	1.98B	1.83B
Total Non-Interest Expense	982.48M	962.20M	933.28M	917.87M	905.96M
Provision for Loan Losses	153.63M	283.37M	246.85M	274.20M	225.95M
Salaries and Employee Benefits	462.86M	435.87M	455.50M	450.93M	425.57M
Occupancy Expenses	122.30M	117.33M	109.36M	103.97M	100.39M
Profitability & Returns
EBT Excluding Unusual Items	1.87B	1.92B	1.78B	1.75B	1.68B
Pretax Income	1.87B	1.92B	1.78B	1.75B	1.68B
Profit Margin	+50.7%	+55.9%	+52.4%	+57.2%	+51.6%
Net Income	1.68B	1.72B	1.59B	1.57B	1.51B
Net Income to Common	1.45B	1.61B	1.42B	1.52B	1.34B
Net Income Growth	+11.3%	+12.8%	+1.3%	+11.1%	+14.7%
Income Tax Expense	192.96M	198.18M	183.02M	174.24M	173.36M
Effective Tax Rate	+10.3%	+10.3%	+10.3%	+10.0%	+10.3%
Per Share & Capital
EPS (Basic)	0.48	0.54	0.48	0.51	0.45
EPS (Diluted)	0.48	0.54	0.48	0.51	0.45
EPS Growth	+8.2%	+9.0%	+1.4%	+11.4%	+5.6%
Dividend Per Share	—	—	0.25	0.25	0.25
Shares Change (YoY)	0	0	0	0	0
Shares Outstanding (Basic)	2.99B	2.98B	2.98B	2.98B	2.98B
Shares Outstanding (Diluted)	2.99B	2.98B	2.98B	2.98B	2.98B
Dividend Growth	—	—	—	+20.0%	+20.0%
Free Cash Flow	-12.63B	3.95B	-7.83B	-9.72B	-6.77B
Free Cash Flow Margin	-442.4%	+137.0%	-289.0%	-364.6%	-261.6%
Free Cash Flow Per Share	-4.23	1.32	-2.62	-3.26	-2.27
Payout Ratio	—	+43.3%	+46.9%	+94.9%	—
Preferred Dividends & Other Adjustments	230.80M	111.01M	171.61M	50.00M	171.92M

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	2.85B	2.88B	2.71B	2.67B	2.59B
Interest Income	4.42B	4.50B	4.50B	4.25B	4.12B
Interest Expense	1.94B	2.04B	2.13B	1.98B	1.83B
Pretax Income	1.87B	1.92B	1.78B	1.75B	1.68B
Income Tax	192.96M	198.18M	183.02M	174.24M	173.36M
Net Income	1.45B	1.61B	1.42B	1.52B	1.34B
Net Interest Income	2.48B	2.46B	2.37B	2.28B	2.29B
Non-Interest Income	527.34M	706.21M	582.66M	656.99M	523.00M
Non-Interest Expense	982.48M	962.20M	933.28M	917.87M	905.96M
Loan Loss Provisions	153.63M	283.37M	246.85M	274.20M	225.95M
EPS (Basic)	0.48	0.54	0.48	0.51	0.45
EPS (Diluted)	0.48	0.54	0.48	0.51	0.45
Margins & Efficiency
Net Margin %	+50.7%	+55.9%	+52.4%	+57.1%	+51.6%
Revenue & Income
Revenue	2.85B	2.88B	2.71B	2.67B	2.59B
Revenue	2.85B	2.88B	2.71B	2.67B	2.59B
Revenue Growth (YoY)	+10.3%	+12.4%	+3.9%	+10.2%	+12.5%
Revenues Before Loan Losses	3.01B	3.17B	2.96B	2.94B	2.81B
Interest Income on Investments	5.12M	4.09M	7.91M	10.73M	7.33M
Interest Income on Loans	4.42B	4.50B	4.50B	4.25B	4.12B
Total Interest Income	4.42B	4.50B	4.51B	4.27B	4.12B
Net Interest Income	2.48B	2.46B	2.37B	2.28B	2.29B
Net Interest Income Growth (YoY)	+8.3%	+8.3%	+6.4%	+5.7%	+13.4%
Non-Interest Income Growth (YoY)	+0.8%	+29.5%	-0.9%	+13.3%	-4.2%
Total Non-Interest Income	527.34M	706.21M	582.66M	656.99M	523.00M
Other Non-Interest Income	451.04M	543.84M	524.66M	572.00M	474.05M
Gain (Loss) on Sale of Assets	—	34.17M	—	—	—
Gain (Loss) on Sale of Investments	76.30M	128.21M	58.00M	84.99M	48.95M
Expenses & Provisions
Selling, General & Administrative	397.32M	406.86M	367.52M	362.35M	378.95M
Interest Paid on Deposits	1.94B	2.04B	2.13B	1.98B	1.83B
Total Non-Interest Expense	982.48M	962.20M	933.28M	917.87M	905.96M
Provision for Loan Losses	153.63M	283.37M	246.85M	274.20M	225.95M
Salaries and Employee Benefits	462.86M	435.87M	455.50M	450.93M	425.57M
Occupancy Expenses	122.30M	117.33M	109.36M	103.97M	100.39M
Profitability & Returns
EBT Excluding Unusual Items	1.87B	1.92B	1.78B	1.75B	1.68B
Pretax Income	1.87B	1.92B	1.78B	1.75B	1.68B
Profit Margin	+50.7%	+55.9%	+52.4%	+57.2%	+51.6%
Net Income	1.68B	1.72B	1.59B	1.57B	1.51B
Net Income to Common	1.45B	1.61B	1.42B	1.52B	1.34B
Net Income Growth	+11.3%	+12.8%	+1.3%	+11.1%	+14.7%
Income Tax Expense	192.96M	198.18M	183.02M	174.24M	173.36M
Effective Tax Rate	+10.3%	+10.3%	+10.3%	+10.0%	+10.3%
Per Share & Capital
EPS (Basic)	0.48	0.54	0.48	0.51	0.45
EPS (Diluted)	0.48	0.54	0.48	0.51	0.45
EPS Growth	+8.2%	+9.0%	+1.4%	+11.4%	+5.6%
Dividend Per Share	—	—	0.25	0.25	0.25
Shares Change (YoY)	0	0	0	0	0
Shares Outstanding (Basic)	2.99B	2.98B	2.98B	2.98B	2.98B
Shares Outstanding (Diluted)	2.99B	2.98B	2.98B	2.98B	2.98B
Dividend Growth	—	—	—	+20.0%	+20.0%
Free Cash Flow	-12.63B	3.95B	-7.83B	-9.72B	-6.77B
Free Cash Flow Margin	-442.4%	+137.0%	-289.0%	-364.6%	-261.6%
Free Cash Flow Per Share	-4.23	1.32	-2.62	-3.26	-2.27
Payout Ratio	—	+43.3%	+46.9%	+94.9%	—
Preferred Dividends & Other Adjustments	230.80M	111.01M	171.61M	50.00M	171.92M