Riyad Bank Balance Sheet

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

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	34,797	24,514	27,271	28,291	41,486	32,407
Investment Securities	82,461	75,070	66,030	56,166	51,204	58,110
Trading Asset Securities	11,844	11,269	10,062	5,991	5,154	2,591
Total Investments	94,305	86,340	76,092	62,157	56,358	60,701
Gross Loans	381,905	377,758	325,391	279,321	247,120	221,804
Allowance for Loan Losses	-4,858	-4,453	-5,302	-4,922	-4,755	-4,514
Net Loans	377,047	373,305	320,089	274,398	242,365	217,290
Property, Plant & Equipment	8,029	7,721	6,517	5,467	3,309	2,706
Other Receivables	-	2,308	2,053	1,124	817.86	974.39
Restricted Cash	17,178	16,054	15,627	13,318	12,494	10,328
Other Real Estate Owned & Foreclosed	634.98	648.71	753.7	670.47	465.25	313.56
Other Long-Term Assets	5,092	8,591	2,999	1,423	2,358	1,015
Total Assets	537,083	519,481	451,403	386,849	359,653	325,736
Accounts Payable	-	472.78	634.39	865.99	507.86	828.74
Interest Bearing Deposits	219,792	226,984	193,460	175,640	154,130	137,495
Non-Interest Bearing Deposits	164,951	143,819	154,126	121,732	124,637	117,318
Total Deposits	384,742	370,803	347,586	297,372	278,767	254,812
Short-Term Borrowings	5,893	5,419	5,166	3,429	2,854	1,460
Current Income Taxes Payable	-	1,319	1,159	1,053	1,355	1,714
Accrued Interest Payable	-	2,377	2,293	-	-	-
Long-Term Debt	51,428	47,938	13,324	13,373	8,758	8,717
Long-Term Leases	-	429.58	367.95	451.18	527.17	538.34
Long-Term Unearned Revenue	-	2,351	2,200	62.18	146.09	263.21
Pension & Post-Retirement Benefits	-	957.44	896.76	998	827.23	998.4
Other Long-Term Liabilities	15,855	11,934	9,381	8,987	9,736	9,104
Total Liabilities	457,918	444,000	383,009	326,591	303,480	278,436
Common Stock	30,000	30,000	30,000	30,000	30,000	30,000
Retained Earnings	35,729	33,251	28,644	24,231	20,392	15,662
Treasury Stock	-371.73	-371.73	-165.11	-165.91	-	-
Comprehensive Income & Other	13,808	12,602	9,915	6,193	5,781	1,637
Shareholders' Equity	79,165	75,481	68,394	60,258	56,173	47,300
Total Liabilities & Equity	537,083	519,481	451,403	386,849	359,653	325,736
Total Debt	57,321	53,786	18,858	17,252	12,140	10,715
Net Cash (Debt)	-10,681	-18,003	18,475	17,029	34,500	24,283
Net Cash Growth	-	-	8.49%	-50.64%	42.08%	-38.92%
Net Cash Per Share	-2.68	-4.51	4.63	4.26	8.63	6.07
Filing Date Shares Outstanding	3,983	3,983	3,993	3,993	4,000	4,000
Total Common Shares Outstanding	3,983	3,983	3,993	3,993	4,000	4,000
Book Value Per Share	16.66	16.09	14.78	13.45	12.40	11.82
Tangible Book Value	79,165	75,481	68,394	60,258	56,173	47,300
Tangible Book Value Per Share	16.66	16.09	14.78	13.45	12.40	11.82

Source: S&P Global Market Intelligence. Banks template. Financial Sources.