Riyad Bank Income Statement

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	Jun '26 Jun 30, 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
Interest Income on Loans	-	27,083	24,182	20,606	12,908	9,108
Interest Income on Investments	-	23.42	43.37	40.8	79.86	126.97
Total Interest Income	-	27,106	24,226	20,647	12,987	9,235
Interest Paid on Deposits	-	14,011	11,309	8,192	2,855	814.93
Net Interest Income	13,374	13,095	12,917	12,455	10,132	8,420
Net Interest Income Growth (YoY)	0.99%	1.38%	3.71%	22.92%	20.33%	1.25%
Income From Trading Activities	973.54	973.54	529.42	419.94	219.03	196.68
Gain (Loss) on Sale of Assets	17.3	17.3	4.4	2.4	21.3	0.44
Gain (Loss) on Sale of Investments	126.12	126.12	5.18	-139.85	-131.34	405.59
Other Non-Interest Income	4,204	4,157	3,817	3,065	3,105	2,543
Total Non-Interest Income	5,321	5,274	4,356	3,348	3,214	3,146
Non-Interest Income Growth (YoY)	6.31%	21.06%	30.13%	4.16%	2.17%	13.21%
Revenues Before Loan Losses	18,695	18,369	17,273	15,803	13,346	11,566
Provision for Loan Losses	1,366	1,362	1,621	1,875	1,027	850.76
Revenue	17,329	17,007	15,652	13,927	12,319	10,715
Revenue Growth (YoY)	4.83%	8.65%	12.39%	13.06%	14.97%	18.62%
Salaries and Employee Benefits	2,834	2,834	2,752	2,542	2,258	2,092
Occupancy Expenses	737.86	737.86	683.58	695.36	540.53	493.19
Selling, General & Administrative	1,737	1,708	1,807	1,683	1,532	1,326
Other Non-Interest Expense	152.66	152.66	42.34	47.61	80.42	52.64
Total Non-Interest Expense	5,428	5,399	5,255	4,956	4,490	3,997
EBT Excluding Unusual Items	11,901	11,608	10,397	8,971	7,828	6,718
Pretax Income	11,901	11,608	10,397	8,971	7,828	6,718
Income Tax Expense	1,310	1,197	1,075	924.96	809.11	692.68
Net Income	10,591	10,411	9,322	8,046	7,019	6,025
Preferred Dividends & Other Adjustments	565.22	565.22	317.71	310.42	64.67	-
Net Income to Common	10,026	9,846	9,004	7,735	6,955	6,025
Net Income Growth	3.41%	9.35%	16.40%	11.23%	15.42%	27.79%
Basic Shares Outstanding	4,010	3,988	3,993	3,996	4,000	4,000
Diluted Shares Outstanding	4,010	3,988	3,993	3,996	4,000	4,000
Shares Change (YoY)	-1.01%	-0.13%	-0.07%	-0.10%	-	-
EPS (Basic)	2.50	2.47	2.25	1.94	1.74	1.51
EPS (Diluted)	2.50	2.47	2.25	1.94	1.74	1.51
EPS Growth	4.46%	9.49%	16.48%	11.34%	15.42%	27.79%
Dividend Per Share	0.412	1.050	1.275	1.050	0.863	0.780
Dividend Growth	-67.65%	-17.65%	21.43%	21.74%	10.58%	108.00%
Effective Tax Rate	11.01%	10.31%	10.34%	10.31%	10.34%	10.31%