SNB

Saudi National Bank

1180StocksTadawulBanks

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	10.23B	8.99B	9.91B	9.68B	9.58B
Interest Income	14.76B	15.66B	15.82B	15.16B	14.32B
Interest Expense	7.26B	8.16B	8.51B	8.07B	7.07B
Pretax Income	7.29B	7.04B	7.28B	6.86B	6.72B
Income Tax	861.20M	628.37M	804.26M	737.74M	734.80M
Net Income	6.42B	6.20B	6.47B	5.84B	6.02B
Net Interest Income	7.62B	7.61B	7.45B	7.24B	7.31B
Non-Interest Income	2.03B	2.32B	2.69B	2.26B	2.30B
Non-Interest Expense	2.94B	1.95B	2.64B	2.82B	2.86B
Loan Loss Provisions	-0.58B	0.94B	0.23B	-0.17B	0.03B
EPS (Basic)	1.04	1.02	1.04	0.94	0.96
EPS (Diluted)	1.04	1.02	1.04	0.94	0.96
Margins & Efficiency
Net Margin %	+62.8%	+69.0%	+65.2%	+60.3%	+62.9%
Revenue & Income
Revenue	10.23B	8.99B	9.91B	9.68B	9.58B
Revenue	10.23B	8.99B	9.91B	9.68B	9.58B
Revenue Growth (YoY)	+6.8%	+0.2%	+10.6%	+10.1%	+15.6%
Revenues Before Loan Losses	9.65B	9.93B	10.15B	9.51B	9.61B
Interest Income on Investments	119.50M	98.97M	144.25M	155.58M	63.82M
Interest Income on Loans	14.76B	15.66B	15.82B	15.16B	14.32B
Total Interest Income	14.88B	15.76B	15.96B	15.32B	14.38B
Net Interest Income	7.62B	7.61B	7.45B	7.24B	7.31B
Net Interest Income Growth (YoY)	+4.1%	+9.0%	+7.0%	+0.4%	+4.8%
Non-Interest Income Growth (YoY)	-11.4%	+15.4%	+21.0%	+33.1%	+17.4%
Total Non-Interest Income	2.03B	2.32B	2.69B	2.26B	2.30B
Other Non-Interest Income	2.10B	2.07B	2.57B	2.09B	2.24B
Income From Trading Activities	-61.14M	252.04M	122.24M	176.68M	56.09M
Expenses & Provisions
Selling, General & Administrative	1.02B	0.09B	0.76B	0.97B	0.98B
Interest Paid on Deposits	7.26B	8.16B	8.51B	8.07B	7.07B
Total Non-Interest Expense	2.94B	1.95B	2.64B	2.82B	2.86B
Provision for Loan Losses	-0.58B	0.94B	0.23B	-0.17B	0.03B
Salaries and Employee Benefits	1.27B	1.18B	1.21B	1.18B	1.20B
Occupancy Expenses	312.28M	409.80M	314.08M	411.63M	348.58M
Amortization of Goodwill & Intangibles	205.07M	205.07M	205.07M	205.07M	205.07M
Profitability & Returns
EBT Excluding Unusual Items	7.29B	7.04B	7.28B	6.86B	6.72B
Pretax Income	7.29B	7.04B	7.28B	6.86B	6.72B
Profit Margin	+62.8%	+69.0%	+65.2%	+60.3%	+62.9%
Net Income	6.42B	6.39B	6.47B	6.14B	6.02B
Net Income to Common	6.42B	6.20B	6.47B	5.84B	6.02B
Net Income Growth	+6.7%	+14.9%	+20.5%	+17.3%	+19.5%
Earnings From Continuing Ops.	6.43B	6.41B	6.47B	6.13B	5.98B
Minority Interest in Earnings	-4.44M	-21.69M	-4.30M	10.18M	37.54M
Income Tax Expense	861.20M	628.37M	804.26M	737.74M	734.80M
Effective Tax Rate	+11.8%	+8.9%	+11.1%	+10.7%	+10.9%
Per Share & Capital
EPS (Basic)	1.04	1.02	1.04	0.94	0.96
EPS (Diluted)	1.04	1.02	1.04	0.94	0.96
EPS Growth	+8.3%	+15.4%	+20.9%	+16.5%	+17.2%
Dividend Per Share	—	1.15	1.00	—	—
Shares Change (YoY)	-0.02	-0	-0	0	0.1
Shares Outstanding (Basic)	6.18B	6.08B	6.22B	6.20B	6.27B
Shares Outstanding (Diluted)	6.18B	6.08B	6.22B	6.20B	6.27B
Dividend Growth	—	+15.0%	+11.1%	—	—
Free Cash Flow	-44.72B	-10.56B	15.95B	-28.53B	-31.53B
Free Cash Flow Margin	-437.3%	-117.5%	+160.8%	-294.7%	-329.1%
Free Cash Flow Per Share	-7.24	-1.74	2.56	-4.60	-5.03
Payout Ratio	—	—	+92.8%	—	+99.6%
Preferred Dividends & Other Adjustments	—	182.24M	—	300.98M	—

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	10.23B	8.99B	9.91B	9.68B	9.58B
Interest Income	14.76B	15.66B	15.82B	15.16B	14.32B
Interest Expense	7.26B	8.16B	8.51B	8.07B	7.07B
Pretax Income	7.29B	7.04B	7.28B	6.86B	6.72B
Income Tax	861.20M	628.37M	804.26M	737.74M	734.80M
Net Income	6.42B	6.20B	6.47B	5.84B	6.02B
Net Interest Income	7.62B	7.61B	7.45B	7.24B	7.31B
Non-Interest Income	2.03B	2.32B	2.69B	2.26B	2.30B
Non-Interest Expense	2.94B	1.95B	2.64B	2.82B	2.86B
Loan Loss Provisions	-0.58B	0.94B	0.23B	-0.17B	0.03B
EPS (Basic)	1.04	1.02	1.04	0.94	0.96
EPS (Diluted)	1.04	1.02	1.04	0.94	0.96
Margins & Efficiency
Net Margin %	+62.8%	+69.0%	+65.2%	+60.3%	+62.9%
Revenue & Income
Revenue	10.23B	8.99B	9.91B	9.68B	9.58B
Revenue	10.23B	8.99B	9.91B	9.68B	9.58B
Revenue Growth (YoY)	+6.8%	+0.2%	+10.6%	+10.1%	+15.6%
Revenues Before Loan Losses	9.65B	9.93B	10.15B	9.51B	9.61B
Interest Income on Investments	119.50M	98.97M	144.25M	155.58M	63.82M
Interest Income on Loans	14.76B	15.66B	15.82B	15.16B	14.32B
Total Interest Income	14.88B	15.76B	15.96B	15.32B	14.38B
Net Interest Income	7.62B	7.61B	7.45B	7.24B	7.31B
Net Interest Income Growth (YoY)	+4.1%	+9.0%	+7.0%	+0.4%	+4.8%
Non-Interest Income Growth (YoY)	-11.4%	+15.4%	+21.0%	+33.1%	+17.4%
Total Non-Interest Income	2.03B	2.32B	2.69B	2.26B	2.30B
Other Non-Interest Income	2.10B	2.07B	2.57B	2.09B	2.24B
Income From Trading Activities	-61.14M	252.04M	122.24M	176.68M	56.09M
Expenses & Provisions
Selling, General & Administrative	1.02B	0.09B	0.76B	0.97B	0.98B
Interest Paid on Deposits	7.26B	8.16B	8.51B	8.07B	7.07B
Total Non-Interest Expense	2.94B	1.95B	2.64B	2.82B	2.86B
Provision for Loan Losses	-0.58B	0.94B	0.23B	-0.17B	0.03B
Salaries and Employee Benefits	1.27B	1.18B	1.21B	1.18B	1.20B
Occupancy Expenses	312.28M	409.80M	314.08M	411.63M	348.58M
Amortization of Goodwill & Intangibles	205.07M	205.07M	205.07M	205.07M	205.07M
Profitability & Returns
EBT Excluding Unusual Items	7.29B	7.04B	7.28B	6.86B	6.72B
Pretax Income	7.29B	7.04B	7.28B	6.86B	6.72B
Profit Margin	+62.8%	+69.0%	+65.2%	+60.3%	+62.9%
Net Income	6.42B	6.39B	6.47B	6.14B	6.02B
Net Income to Common	6.42B	6.20B	6.47B	5.84B	6.02B
Net Income Growth	+6.7%	+14.9%	+20.5%	+17.3%	+19.5%
Earnings From Continuing Ops.	6.43B	6.41B	6.47B	6.13B	5.98B
Minority Interest in Earnings	-4.44M	-21.69M	-4.30M	10.18M	37.54M
Income Tax Expense	861.20M	628.37M	804.26M	737.74M	734.80M
Effective Tax Rate	+11.8%	+8.9%	+11.1%	+10.7%	+10.9%
Per Share & Capital
EPS (Basic)	1.04	1.02	1.04	0.94	0.96
EPS (Diluted)	1.04	1.02	1.04	0.94	0.96
EPS Growth	+8.3%	+15.4%	+20.9%	+16.5%	+17.2%
Dividend Per Share	—	1.15	1.00	—	—
Shares Change (YoY)	-0.02	-0	-0	0	0.1
Shares Outstanding (Basic)	6.18B	6.08B	6.22B	6.20B	6.27B
Shares Outstanding (Diluted)	6.18B	6.08B	6.22B	6.20B	6.27B
Dividend Growth	—	+15.0%	+11.1%	—	—
Free Cash Flow	-44.72B	-10.56B	15.95B	-28.53B	-31.53B
Free Cash Flow Margin	-437.3%	-117.5%	+160.8%	-294.7%	-329.1%
Free Cash Flow Per Share	-7.24	-1.74	2.56	-4.60	-5.03
Payout Ratio	—	—	+92.8%	—	+99.6%
Preferred Dividends & Other Adjustments	—	182.24M	—	300.98M	—