SNB

Saudi National Bank

1180StocksTadawulBanks

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
Assets
Cash & Equivalents	26.08B	21.00B	40.48B	20.16B	52.87B
Total Assets	1.21T	1.10T	1.04T	0.95T	0.91T
Investment Securities	288.70B	266.92B	247.08B	258.54B	242.88B
Trading Assets	58.19B	52.94B	43.35B	20.57B	8.91B
Gross Loans	745.05B	673.15B	620.41B	564.99B	517.78B
Net Loans	729.31B	654.25B	601.53B	545.31B	497.57B
Allowance for Loan Losses	-7.36B	-10.41B	-10.28B	-11.41B	-11.02B
Liabilities
Total Deposits	724.28B	670.16B	644.33B	658.73B	671.01B
Interest-Bearing Deposits	255.21B	246.88B	193.99B	227.24B	208.62B
Non-Interest-Bearing Deposits	469.07B	423.28B	450.34B	431.50B	462.39B
Total Debt	260.62B	217.07B	192.62B	94.77B	52.73B
Total Liabilities	1.01T	0.91T	0.86T	0.78T	0.75T
Equity & Ownership
Total Equity	203.83B	193.28B	176.63B	166.78B	162.77B
Shares Outstanding	5,931,000,000	5,945,000,000	5,941,667,000	5,917,679,400	5,914,412,700
Cash & Assets
Total Assets	1.21T	1.10T	1.04T	0.95T	0.91T
Cash & Equivalents	26.08B	21.00B	40.48B	20.16B	52.87B
Net Cash (Debt)	-176.35B	-143.13B	-108.79B	-54.04B	9.05B
Net Cash Per Share	-29.63	-24.04	-18.27	-9.07	1.66
Net Cash Growth	—	—	—	—	-60.5%
Other Receivables	5.68B	7.60B	6.89B	3.97B	5.58B
Restricted Cash	36.13B	34.60B	34.69B	33.98B	34.19B
Property, Plant & Equipment	11.48B	10.81B	10.12B	9.96B	9.43B
Goodwill	34.01B	34.01B	34.01B	34.01B	34.01B
Other Intangible Assets	7.47B	7.82B	8.49B	8.95B	9.48B
Other Current Assets	7.13B	9.91B	5.25B	6.15B	13.25B
Other Long-Term Assets	5.05B	3.51B	4.50B	3.34B	5.28B
Long-Term Leases	0.44B	0.96B	0.93B	1.21B	1.48B
Current Portion of Leases	164.44M	180.68M	268.42M	612.24M	603.35M
Loans & Investments
Gross Loans	745.05B	673.15B	620.41B	564.99B	517.78B
Net Loans	729.31B	654.25B	601.53B	545.31B	497.57B
Allowance for Loan Losses	-7.36B	-10.41B	-10.28B	-11.41B	-11.02B
Investment Securities	288.70B	266.92B	247.08B	258.54B	242.88B
Trading Asset Securities	58.19B	52.94B	43.35B	20.57B	8.91B
Total Investments	346.89B	319.86B	290.43B	279.11B	251.79B
Other Adjustments to Gross Loans	-8.38B	-8.49B	-8.61B	-8.27B	-9.20B
Liabilities & Obligations
Total Liabilities	1.01T	0.91T	0.86T	0.78T	0.75T
Total Liabilities & Equity	1.21T	1.10T	1.04T	0.95T	0.91T
Accrued Expenses	7.33B	8.35B	7.57B	8.44B	10.22B
Current Income Taxes Payable	2.91B	2.65B	2.44B	2.48B	2.40B
Other Long-Term Liabilities	9.17B	10.86B	11.99B	12.84B	13.17B
Pension & Post-Retirement Benefits	1.89B	1.80B	1.50B	1.45B	1.84B
Debt & Funding
Total Debt	260.62B	217.07B	192.62B	94.77B	52.73B
Current Portion of Long-Term Debt	1.97B	2.50B	6.77B	2.54B	0.28B
Long-Term Debt	61.69B	37.98B	13.53B	10.44B	5.84B
Short-Term Borrowings	196.35B	175.45B	171.12B	79.97B	44.54B
Total Deposits	724.28B	670.16B	644.33B	658.73B	671.01B
Interest Bearing Deposits	255.21B	246.88B	193.99B	227.24B	208.62B
Non-Interest Bearing Deposits	469.07B	423.28B	450.34B	431.50B	462.39B
Equity & Book Value
Shareholders' Equity	203.83B	193.28B	176.63B	166.78B	162.77B
Total Common Equity	203.28B	192.57B	175.90B	165.97B	162.20B
Common Stock	60.00B	60.00B	60.00B	44.78B	44.78B
Additional Paid-In Capital	63.70B	63.70B	63.70B	63.70B	63.70B
Retained Earnings	74.44B	60.83B	50.27B	57.99B	48.50B
Treasury Stock	-2.59B	-2.10B	-2.20B	-2.03B	-2.14B
Comprehensive Income & Other	7.72B	10.13B	4.13B	1.53B	7.35B
Minority Interest	548.74M	709.82M	723.84M	804.50M	571.57M
Book Value Per Share	31.30	28.83	27.05	25.43	25.36
Tangible Book Value	161.80B	150.73B	133.41B	123.02B	118.71B
Tangible Book Value Per Share	24.30	21.79	19.90	18.17	18.01
Filing Date Shares Outstanding	5.93B	5.95B	5.94B	5.92B	5.91B
Total Common Shares Outstanding	5.93B	5.95B	5.94B	5.92B	5.91B
Supplemental
Other Real Estate Owned & Foreclosed	790.42M	764.10M	702.60M	556.83M	706.31M

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
Assets
Cash & Equivalents	26.08B	21.00B	40.48B	20.16B	52.87B
Total Assets	1.21T	1.10T	1.04T	0.95T	0.91T
Investment Securities	288.70B	266.92B	247.08B	258.54B	242.88B
Trading Assets	58.19B	52.94B	43.35B	20.57B	8.91B
Gross Loans	745.05B	673.15B	620.41B	564.99B	517.78B
Net Loans	729.31B	654.25B	601.53B	545.31B	497.57B
Allowance for Loan Losses	-7.36B	-10.41B	-10.28B	-11.41B	-11.02B
Liabilities
Total Deposits	724.28B	670.16B	644.33B	658.73B	671.01B
Interest-Bearing Deposits	255.21B	246.88B	193.99B	227.24B	208.62B
Non-Interest-Bearing Deposits	469.07B	423.28B	450.34B	431.50B	462.39B
Total Debt	260.62B	217.07B	192.62B	94.77B	52.73B
Total Liabilities	1.01T	0.91T	0.86T	0.78T	0.75T
Equity & Ownership
Total Equity	203.83B	193.28B	176.63B	166.78B	162.77B
Shares Outstanding	5,931,000,000	5,945,000,000	5,941,667,000	5,917,679,400	5,914,412,700
Cash & Assets
Total Assets	1.21T	1.10T	1.04T	0.95T	0.91T
Cash & Equivalents	26.08B	21.00B	40.48B	20.16B	52.87B
Net Cash (Debt)	-176.35B	-143.13B	-108.79B	-54.04B	9.05B
Net Cash Per Share	-29.63	-24.04	-18.27	-9.07	1.66
Net Cash Growth	—	—	—	—	-60.5%
Other Receivables	5.68B	7.60B	6.89B	3.97B	5.58B
Restricted Cash	36.13B	34.60B	34.69B	33.98B	34.19B
Property, Plant & Equipment	11.48B	10.81B	10.12B	9.96B	9.43B
Goodwill	34.01B	34.01B	34.01B	34.01B	34.01B
Other Intangible Assets	7.47B	7.82B	8.49B	8.95B	9.48B
Other Current Assets	7.13B	9.91B	5.25B	6.15B	13.25B
Other Long-Term Assets	5.05B	3.51B	4.50B	3.34B	5.28B
Long-Term Leases	0.44B	0.96B	0.93B	1.21B	1.48B
Current Portion of Leases	164.44M	180.68M	268.42M	612.24M	603.35M
Loans & Investments
Gross Loans	745.05B	673.15B	620.41B	564.99B	517.78B
Net Loans	729.31B	654.25B	601.53B	545.31B	497.57B
Allowance for Loan Losses	-7.36B	-10.41B	-10.28B	-11.41B	-11.02B
Investment Securities	288.70B	266.92B	247.08B	258.54B	242.88B
Trading Asset Securities	58.19B	52.94B	43.35B	20.57B	8.91B
Total Investments	346.89B	319.86B	290.43B	279.11B	251.79B
Other Adjustments to Gross Loans	-8.38B	-8.49B	-8.61B	-8.27B	-9.20B
Liabilities & Obligations
Total Liabilities	1.01T	0.91T	0.86T	0.78T	0.75T
Total Liabilities & Equity	1.21T	1.10T	1.04T	0.95T	0.91T
Accrued Expenses	7.33B	8.35B	7.57B	8.44B	10.22B
Current Income Taxes Payable	2.91B	2.65B	2.44B	2.48B	2.40B
Other Long-Term Liabilities	9.17B	10.86B	11.99B	12.84B	13.17B
Pension & Post-Retirement Benefits	1.89B	1.80B	1.50B	1.45B	1.84B
Debt & Funding
Total Debt	260.62B	217.07B	192.62B	94.77B	52.73B
Current Portion of Long-Term Debt	1.97B	2.50B	6.77B	2.54B	0.28B
Long-Term Debt	61.69B	37.98B	13.53B	10.44B	5.84B
Short-Term Borrowings	196.35B	175.45B	171.12B	79.97B	44.54B
Total Deposits	724.28B	670.16B	644.33B	658.73B	671.01B
Interest Bearing Deposits	255.21B	246.88B	193.99B	227.24B	208.62B
Non-Interest Bearing Deposits	469.07B	423.28B	450.34B	431.50B	462.39B
Equity & Book Value
Shareholders' Equity	203.83B	193.28B	176.63B	166.78B	162.77B
Total Common Equity	203.28B	192.57B	175.90B	165.97B	162.20B
Common Stock	60.00B	60.00B	60.00B	44.78B	44.78B
Additional Paid-In Capital	63.70B	63.70B	63.70B	63.70B	63.70B
Retained Earnings	74.44B	60.83B	50.27B	57.99B	48.50B
Treasury Stock	-2.59B	-2.10B	-2.20B	-2.03B	-2.14B
Comprehensive Income & Other	7.72B	10.13B	4.13B	1.53B	7.35B
Minority Interest	548.74M	709.82M	723.84M	804.50M	571.57M
Book Value Per Share	31.30	28.83	27.05	25.43	25.36
Tangible Book Value	161.80B	150.73B	133.41B	123.02B	118.71B
Tangible Book Value Per Share	24.30	21.79	19.90	18.17	18.01
Filing Date Shares Outstanding	5.93B	5.95B	5.94B	5.92B	5.91B
Total Common Shares Outstanding	5.93B	5.95B	5.94B	5.92B	5.91B
Supplemental
Other Real Estate Owned & Foreclosed	790.42M	764.10M	702.60M	556.83M	706.31M