The Saudi Investment Bank Income Statement

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

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	9,523	8,864	7,415	4,067	2,820	3,262
Interest Income on Investments	-	-	-	-	-	0.01
Total Interest Income	9,523	8,864	7,415	4,067	2,820	3,262
Interest Paid on Deposits	5,974	5,327	3,998	1,222	467.59	940.32
Net Interest Income	3,549	3,537	3,417	2,845	2,352	2,322
Net Interest Income Growth (YoY)	2.72%	3.50%	20.12%	20.94%	1.32%	1.92%
Gain (Loss) on Sale of Investments	12.13	1.22	15.23	10.79	74.11	104.48
Other Non-Interest Income	687.12	640.14	534.13	422.23	326.54	419.99
Total Non-Interest Income	699.25	641.36	549.37	433.02	400.65	524.47
Non-Interest Income Growth (YoY)	8.81%	16.74%	26.87%	8.08%	-23.61%	-2.94%
Revenues Before Loan Losses	4,249	4,178	3,967	3,278	2,753	2,846
Provision for Loan Losses	266.33	289.95	358.66	191.57	271.07	449.41
Revenue	3,982	3,888	3,608	3,086	2,482	2,397
Revenue Growth (YoY)	5.41%	7.76%	16.90%	24.35%	3.56%	62.42%
Salaries and Employee Benefits	839.77	822.36	786.7	747.24	687.38	672.04
Occupancy Expenses	184.56	176.83	183.46	154.99	150.95	144.68
Selling, General & Administrative	703.53	735.31	686.69	542.99	431.19	397.43
Total Non-Interest Expense	1,601	1,618	1,580	1,374	1,215	1,168
EBT Excluding Unusual Items	2,381	2,270	2,028	1,712	1,267	1,229
Pretax Income	2,381	2,270	2,028	1,712	1,267	1,229
Income Tax Expense	337.22	313.24	266.73	204.11	205.61	248.95
Net Income	2,044	1,957	1,762	1,508	1,062	979.56
Preferred Dividends & Other Adjustments	256.31	169.56	167.43	142.47	110.7	117.6
Net Income to Common	1,788	1,787	1,594	1,365	950.96	861.96
Net Income Growth	7.94%	11.07%	16.83%	42.03%	8.38%	309.07%
Basic Shares Outstanding	1,246	1,247	1,250	1,250	1,200	1,148
Diluted Shares Outstanding	1,246	1,247	1,250	1,250	1,200	1,148
Shares Change (YoY)	-0.32%	-0.23%	-	4.20%	4.54%	0.86%
EPS (Basic)	1.44	1.43	1.28	1.09	0.79	0.75
EPS (Diluted)	1.44	1.43	1.28	1.09	0.79	0.75
EPS Growth	3.71%	12.35%	16.76%	37.80%	5.53%	627.69%
Dividend Per Share	0.800	0.760	0.680	0.600	0.420	0.240
Dividend Growth	11.11%	11.77%	13.33%	42.86%	75.00%	-
Effective Tax Rate	14.16%	13.80%	13.15%	11.92%	16.23%	20.26%

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