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
Operating Summary
Revenue	38.16B	35.01B	33.67B	31.32B	24.27B
Interest Income	60.96B	57.84B	49.86B	34.39B	25.44B
Interest Expense	31.81B	30.11B	22.85B	8.11B	3.23B
Pretax Income	27.90B	23.61B	22.77B	21.28B	14.45B
Income Tax	2.91B	2.52B	2.66B	2.55B	1.67B
Net Income	23.98B	20.43B	19.24B	18.01B	12.18B
Net Interest Income	29.62B	28.14B	27.01B	26.29B	22.21B
Non-Interest Income	9.58B	7.90B	7.58B	6.72B	6.03B
Non-Interest Expense	10.26B	11.40B	10.89B	10.04B	9.82B
Loan Loss Provisions	1.03B	1.02B	0.92B	1.69B	3.96B
EPS (Basic)	4.04	3.44	3.23	3.03	2.24
EPS (Diluted)	4.03	3.43	3.23	3.02	2.24
DPS	2.15	1.90	1.75	1.28	1.16
Margins & Efficiency
Net Margin %	+62.8%	+58.3%	+57.1%	+57.5%	+50.2%
Revenue & Income
Revenue	38.16B	35.01B	33.67B	31.32B	24.27B
Revenue	38.16B	35.01B	33.67B	31.32B	24.27B
Revenue Growth (YoY)	+9.0%	+4.0%	+7.5%	+29.0%	+24.4%
Revenues Before Loan Losses	39.19B	36.03B	34.59B	33.00B	28.24B
Interest Income on Investments	462.62M	413.26M	—	—	—
Interest Income on Loans	60.96B	57.84B	49.86B	34.39B	25.44B
Total Interest Income	61.42B	58.25B	49.86B	34.39B	25.44B
Net Interest Income	29.62B	28.14B	27.01B	26.29B	22.21B
Net Interest Income Growth (YoY)	+5.3%	+4.2%	+2.7%	+18.4%	+33.1%
Non-Interest Income Growth (YoY)	+21.3%	+4.2%	+12.8%	+11.4%	+26.3%
Total Non-Interest Income	9.58B	7.90B	7.58B	6.72B	6.03B
Other Non-Interest Income	8.96B	7.26B	7.58B	6.72B	6.03B
Income From Trading Activities	614.13M	636.57M	—	—	—
Expenses & Provisions
Selling, General & Administrative	2.85B	3.93B	3.56B	3.39B	3.75B
Interest Paid on Deposits	31.81B	30.11B	22.85B	8.11B	3.23B
Total Non-Interest Expense	10.26B	11.40B	10.89B	10.04B	9.82B
Provision for Loan Losses	1.03B	1.02B	0.92B	1.69B	3.96B
Salaries and Employee Benefits	4.72B	4.49B	4.52B	4.12B	4.02B
Occupancy Expenses	1.48B	1.79B	1.46B	1.44B	1.11B
Amortization of Goodwill & Intangibles	820.28M	820.28M	820.28M	844.87M	688.97M
Profitability & Returns
EBT Excluding Unusual Items	27.90B	23.61B	22.77B	21.28B	14.45B
Pretax Income	27.90B	23.61B	22.77B	21.28B	14.45B
Profit Margin	+62.8%	+58.3%	+57.1%	+57.5%	+50.2%
Net Income	25.01B	21.19B	20.01B	18.58B	12.67B
Net Income to Common	23.98B	20.43B	19.24B	18.01B	12.18B
Net Income Growth	+18.0%	+5.9%	+7.7%	+46.7%	+10.7%
Earnings From Continuing Ops.	24.99B	21.09B	20.11B	18.73B	12.78B
Minority Interest in Earnings	21.72M	99.35M	-98.86M	-148.15M	-115.96M
Income Tax Expense	2.91B	2.52B	2.66B	2.55B	1.67B
Effective Tax Rate	+10.4%	+10.7%	+11.7%	+12.0%	+11.6%
Per Share & Capital
EPS (Basic)	4.04	3.44	3.23	3.03	2.24
EPS (Diluted)	4.03	3.43	3.23	3.02	2.24
EPS Growth	+17.5%	+6.2%	+7.0%	+35.1%	-18.8%
Dividend Per Share	2.15	1.90	1.75	1.28	1.16
Shares Change (YoY)	-0	-0	-0	0.09	0.36
Shares Outstanding (Basic)	5.94B	5.94B	5.95B	5.95B	5.43B
Shares Outstanding (Diluted)	5.95B	5.95B	5.96B	5.96B	5.44B
Dividend Growth	+13.2%	+8.6%	+37.3%	+9.7%	+93.8%
Free Cash Flow	-54.67B	-37.74B	-2.78B	6.63B	24.66B
Free Cash Flow Margin	-143.3%	-107.8%	-8.3%	+21.2%	+101.6%
Free Cash Flow Per Share	-9.19	-6.34	-0.47	1.11	4.53
Payout Ratio	+48.0%	+51.0%	+38.9%	+48.2%	+51.3%
Preferred Dividends & Other Adjustments	1.04B	0.76B	0.77B	0.57B	0.48B

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	38.16B	35.01B	33.67B	31.32B	24.27B
Interest Income	60.96B	57.84B	49.86B	34.39B	25.44B
Interest Expense	31.81B	30.11B	22.85B	8.11B	3.23B
Pretax Income	27.90B	23.61B	22.77B	21.28B	14.45B
Income Tax	2.91B	2.52B	2.66B	2.55B	1.67B
Net Income	23.98B	20.43B	19.24B	18.01B	12.18B
Net Interest Income	29.62B	28.14B	27.01B	26.29B	22.21B
Non-Interest Income	9.58B	7.90B	7.58B	6.72B	6.03B
Non-Interest Expense	10.26B	11.40B	10.89B	10.04B	9.82B
Loan Loss Provisions	1.03B	1.02B	0.92B	1.69B	3.96B
EPS (Basic)	4.04	3.44	3.23	3.03	2.24
EPS (Diluted)	4.03	3.43	3.23	3.02	2.24
DPS	2.15	1.90	1.75	1.28	1.16
Margins & Efficiency
Net Margin %	+62.8%	+58.3%	+57.1%	+57.5%	+50.2%
Revenue & Income
Revenue	38.16B	35.01B	33.67B	31.32B	24.27B
Revenue	38.16B	35.01B	33.67B	31.32B	24.27B
Revenue Growth (YoY)	+9.0%	+4.0%	+7.5%	+29.0%	+24.4%
Revenues Before Loan Losses	39.19B	36.03B	34.59B	33.00B	28.24B
Interest Income on Investments	462.62M	413.26M	—	—	—
Interest Income on Loans	60.96B	57.84B	49.86B	34.39B	25.44B
Total Interest Income	61.42B	58.25B	49.86B	34.39B	25.44B
Net Interest Income	29.62B	28.14B	27.01B	26.29B	22.21B
Net Interest Income Growth (YoY)	+5.3%	+4.2%	+2.7%	+18.4%	+33.1%
Non-Interest Income Growth (YoY)	+21.3%	+4.2%	+12.8%	+11.4%	+26.3%
Total Non-Interest Income	9.58B	7.90B	7.58B	6.72B	6.03B
Other Non-Interest Income	8.96B	7.26B	7.58B	6.72B	6.03B
Income From Trading Activities	614.13M	636.57M	—	—	—
Expenses & Provisions
Selling, General & Administrative	2.85B	3.93B	3.56B	3.39B	3.75B
Interest Paid on Deposits	31.81B	30.11B	22.85B	8.11B	3.23B
Total Non-Interest Expense	10.26B	11.40B	10.89B	10.04B	9.82B
Provision for Loan Losses	1.03B	1.02B	0.92B	1.69B	3.96B
Salaries and Employee Benefits	4.72B	4.49B	4.52B	4.12B	4.02B
Occupancy Expenses	1.48B	1.79B	1.46B	1.44B	1.11B
Amortization of Goodwill & Intangibles	820.28M	820.28M	820.28M	844.87M	688.97M
Profitability & Returns
EBT Excluding Unusual Items	27.90B	23.61B	22.77B	21.28B	14.45B
Pretax Income	27.90B	23.61B	22.77B	21.28B	14.45B
Profit Margin	+62.8%	+58.3%	+57.1%	+57.5%	+50.2%
Net Income	25.01B	21.19B	20.01B	18.58B	12.67B
Net Income to Common	23.98B	20.43B	19.24B	18.01B	12.18B
Net Income Growth	+18.0%	+5.9%	+7.7%	+46.7%	+10.7%
Earnings From Continuing Ops.	24.99B	21.09B	20.11B	18.73B	12.78B
Minority Interest in Earnings	21.72M	99.35M	-98.86M	-148.15M	-115.96M
Income Tax Expense	2.91B	2.52B	2.66B	2.55B	1.67B
Effective Tax Rate	+10.4%	+10.7%	+11.7%	+12.0%	+11.6%
Per Share & Capital
EPS (Basic)	4.04	3.44	3.23	3.03	2.24
EPS (Diluted)	4.03	3.43	3.23	3.02	2.24
EPS Growth	+17.5%	+6.2%	+7.0%	+35.1%	-18.8%
Dividend Per Share	2.15	1.90	1.75	1.28	1.16
Shares Change (YoY)	-0	-0	-0	0.09	0.36
Shares Outstanding (Basic)	5.94B	5.94B	5.95B	5.95B	5.43B
Shares Outstanding (Diluted)	5.95B	5.95B	5.96B	5.96B	5.44B
Dividend Growth	+13.2%	+8.6%	+37.3%	+9.7%	+93.8%
Free Cash Flow	-54.67B	-37.74B	-2.78B	6.63B	24.66B
Free Cash Flow Margin	-143.3%	-107.8%	-8.3%	+21.2%	+101.6%
Free Cash Flow Per Share	-9.19	-6.34	-0.47	1.11	4.53
Payout Ratio	+48.0%	+51.0%	+38.9%	+48.2%	+51.3%
Preferred Dividends & Other Adjustments	1.04B	0.76B	0.77B	0.57B	0.48B