Riyad Bank (TADAWUL:1010)

Riyad Bank Income Statement

Financials in millions SAR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	26,469	24,182	20,606	12,908	9,108	9,813
Interest Income on Investments	18.49	43.37	40.8	79.86	126.97	102.52
Total Interest Income	26,488	24,226	20,647	12,987	9,235	9,916
Interest Paid on Deposits	13,370	11,309	8,192	2,855	814.93	1,600
Net Interest Income	13,118	12,917	12,455	10,132	8,420	8,316
Net Interest Income Growth (YoY)	3.86%	3.71%	22.92%	20.33%	1.25%	4.74%
Income From Trading Activities	826.5	529.42	419.94	219.03	196.68	218.3
Gain (Loss) on Sale of Assets	4.4	4.4	2.4	21.3	0.44	0.16
Gain (Loss) on Sale of Investments	125.27	5.18	-139.85	-131.34	405.59	260.88
Other Non-Interest Income	4,299	3,817	3,065	3,105	2,543	2,299
Total Non-Interest Income	5,256	4,356	3,348	3,214	3,146	2,779
Non-Interest Income Growth (YoY)	34.38%	30.13%	4.16%	2.17%	13.21%	-1.64%
Revenues Before Loan Losses	18,373	17,273	15,803	13,346	11,566	11,095
Provision for Loan Losses	1,744	1,621	1,875	1,027	850.76	2,062
Revenue	16,629	15,652	13,927	12,319	10,715	9,033
Revenue Growth (YoY)	9.54%	12.39%	13.06%	14.97%	18.62%	-7.38%
Salaries and Employee Benefits	2,793	2,752	2,542	2,258	2,092	1,939
Occupancy Expenses	735.93	683.58	695.36	540.53	493.19	488.34
Selling, General & Administrative	1,880	1,807	1,683	1,532	1,326	1,153
Other Non-Interest Expense	71.48	42.34	47.61	80.42	52.64	54.1
Total Non-Interest Expense	5,446	5,255	4,956	4,490	3,997	3,615
EBT Excluding Unusual Items	11,183	10,397	8,971	7,828	6,718	5,418
Other Unusual Items	-	-	-	-	-	66
Pretax Income	11,183	10,397	8,971	7,828	6,718	5,484
Income Tax Expense	1,156	1,075	924.96	809.11	692.68	769
Net Income	10,027	9,322	8,046	7,019	6,025	4,715
Preferred Dividends & Other Adjustments	455.29	317.71	310.42	64.67	-	-
Net Income to Common	9,572	9,004	7,735	6,955	6,025	4,715
Net Income Growth	11.18%	15.86%	14.62%	16.50%	27.79%	-15.83%
Basic Shares Outstanding	2,994	2,995	2,997	3,000	3,000	3,000
Diluted Shares Outstanding	2,994	2,995	2,997	3,000	3,000	3,000
Shares Change (YoY)	-0.12%	-0.07%	-0.10%	-	-	-
EPS (Basic)	3.20	3.01	2.58	2.32	2.01	1.57
EPS (Diluted)	3.20	3.01	2.58	2.32	2.01	1.57
EPS Growth	9.92%	16.48%	11.34%	15.42%	27.79%	-15.83%
Dividend Per Share	1.750	1.700	1.400	1.150	1.040	0.500
Dividend Growth	12.90%	21.43%	21.74%	10.58%	108.00%	-53.27%
Effective Tax Rate	10.34%	10.34%	10.31%	10.34%	10.31%	14.02%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.