Riyad Bank (TADAWUL:1010)

Riyad Bank Balance Sheet

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
Cash & Equivalents	30,313	29,547	28,291	41,486	32,407	44,965
Investment Securities	70,150	65,579	56,166	51,204	58,110	56,048
Trading Asset Securities	10,219	10,062	5,991	5,154	2,591	2,660
Total Investments	80,368	75,640	62,157	56,358	60,701	58,708
Gross Loans	373,171	325,391	279,321	247,120	221,804	195,881
Allowance for Loan Losses	-4,617	-5,302	-4,922	-4,755	-4,514	-4,534
Net Loans	368,554	320,089	274,398	242,365	217,290	191,347
Property, Plant & Equipment	7,332	6,517	5,467	3,309	2,706	2,428
Other Receivables	-	2,053	1,124	817.86	974.39	630.89
Restricted Cash	16,959	15,627	13,318	12,494	10,328	10,410
Other Real Estate Owned & Foreclosed	716.88	753.7	670.47	465.25	313.56	324.05
Other Long-Term Assets	3,322	150.74	1,423	2,358	1,015	1,276
Total Assets	507,566	450,379	386,849	359,653	325,736	310,088
Accounts Payable	-	634.39	865.99	507.86	828.74	660.39
Interest Bearing Deposits	240,900	196,246	175,640	154,130	137,495	127,098
Non-Interest Bearing Deposits	139,025	154,126	121,732	124,637	117,318	117,730
Total Deposits	379,925	350,372	297,372	278,767	254,812	244,828
Short-Term Borrowings	4,940	5,166	3,429	2,854	1,460	1,641
Current Portion of Long-Term Debt	-	-	-	-	-	56.61
Current Income Taxes Payable	-	1,159	1,053	1,355	1,714	2,182
Long-Term Debt	36,948	13,324	13,373	8,758	8,717	5,627
Long-Term Leases	-	367.95	451.18	527.17	538.34	544
Long-Term Unearned Revenue	-	14.15	62.18	146.09	263.21	717
Pension & Post-Retirement Benefits	-	890.76	998	827.23	998.4	1,029
Other Long-Term Liabilities	12,808	10,508	8,987	9,736	9,104	8,447
Total Liabilities	434,621	382,437	326,591	303,480	278,436	265,733
Common Stock	30,000	30,000	30,000	30,000	30,000	30,000
Retained Earnings	30,778	28,644	24,231	20,392	15,662	12,609
Treasury Stock	-361.66	-165.11	-165.91	-	-	-
Comprehensive Income & Other	12,528	9,463	6,193	5,781	1,637	1,746
Shareholders' Equity	72,945	67,942	60,258	56,173	47,300	44,355
Total Liabilities & Equity	507,566	450,379	386,849	359,653	325,736	310,088
Total Debt	41,889	18,858	17,252	12,140	10,715	7,869
Net Cash (Debt)	-1,357	20,750	17,029	34,500	24,283	39,756
Net Cash Growth	-	21.85%	-50.64%	42.08%	-38.92%	98.12%
Net Cash Per Share	-0.45	6.93	5.68	11.50	8.09	13.25
Filing Date Shares Outstanding	2,988	2,995	2,995	3,000	3,000	3,000
Total Common Shares Outstanding	2,988	2,995	2,995	3,000	3,000	3,000
Book Value Per Share	20.61	19.55	17.93	16.53	15.77	14.79
Tangible Book Value	72,945	67,942	60,258	56,173	47,300	44,355
Tangible Book Value Per Share	20.61	19.55	17.93	16.53	15.77	14.79

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