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	Sep '26 Sep 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	27,436	27,083	24,182	20,606	12,908	9,108
Interest Income on Investments	558.57	23.42	43.37	40.8	79.86	126.97
Total Interest Income	27,995	27,106	24,226	20,647	12,987	9,235
Interest Paid on Deposits	13,409	14,011	11,309	8,192	2,855	814.93
Net Interest Income	13,407	13,095	12,917	12,455	10,132	8,420
Net Interest Income Growth	2.20%	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	4,157	4,157	3,817	3,065	3,105	2,543
Total Non-Interest Income	5,274	5,274	4,356	3,348	3,214	3,146
Non-Interest Income Growth	0.35%	21.06%	30.13%	4.16%	2.17%	13.21%
Revenues Before Loan Losses	18,680	18,369	17,273	15,803	13,346	11,566
Provision for Loan Losses	1,450	1,362	1,621	1,875	1,027	850.76
Revenue	17,231	17,007	15,652	13,927	12,319	10,715
Revenue Growth	3.62%	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	1,766	1,708	1,807	1,683	1,532	1,326
Other Non-Interest Expense	-221.04	152.66	42.34	47.61	80.42	52.64
Total Non-Interest Expense	5,083	5,399	5,255	4,956	4,490	3,997
EBT Excluding Unusual Items	12,147	11,608	10,397	8,971	7,828	6,718
Pretax Income	12,147	11,608	10,397	8,971	7,828	6,718
Income Tax Expense	1,378	1,197	1,075	924.96	809.11	692.68
Net Income	10,769	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	10,204	9,846	9,004	7,735	6,955	6,025
Net Income Growth	5.11%	9.35%	16.40%	11.23%	15.42%	27.79%
Basic Shares Outstanding	3,983	3,988	3,993	3,996	4,000	4,000
Diluted Shares Outstanding	3,983	3,988	3,993	3,996	4,000	4,000
Shares Change	-0.21%	-0.13%	-0.07%	-0.10%	-	-
EPS (Basic)	2.56	2.47	2.25	1.94	1.74	1.51
EPS (Diluted)	2.56	2.47	2.25	1.94	1.74	1.51
EPS Growth	5.33%	9.49%	16.48%	11.34%	15.42%	27.79%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Dividend Per Share	0.415	1.050	1.275	1.050	0.863	0.780
Dividend Growth	-78.72%	-17.65%	21.43%	21.74%	10.58%	108.00%
Effective Tax Rate	11.35%	10.31%	10.34%	10.31%	10.34%	10.31%