The Saudi Investment Bank Income Statement

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

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	9,692	8,864	7,415	4,067	2,820
Total Interest Income	9,692	8,864	7,415	4,067	2,820
Interest Paid on Deposits	6,164	5,327	3,998	1,222	467.59
Net Interest Income	3,528	3,537	3,417	2,845	2,352
Net Interest Income Growth (YoY)	-0.25%	3.50%	20.12%	20.94%	1.32%
Gain (Loss) on Sale of Investments	11.12	1.22	15.23	10.79	74.11
Other Non-Interest Income	1,255	640.14	534.13	422.23	326.54
Total Non-Interest Income	1,266	641.36	549.37	433.02	400.65
Non-Interest Income Growth (YoY)	97.46%	16.74%	26.87%	8.08%	-23.61%
Revenues Before Loan Losses	4,794	4,178	3,967	3,278	2,753
Provision for Loan Losses	354.86	289.95	358.66	191.57	271.07
Revenue	4,439	3,888	3,608	3,086	2,482
Revenue Growth (YoY)	14.18%	7.76%	16.90%	24.35%	3.56%
Salaries and Employee Benefits	835.54	822.36	786.7	747.24	687.38
Occupancy Expenses	184.79	176.83	183.46	154.99	150.95
Selling, General & Administrative	703.16	735.31	686.69	542.99	431.19
Total Non-Interest Expense	1,599	1,618	1,580	1,374	1,215
EBT Excluding Unusual Items	2,841	2,270	2,028	1,712	1,267
Pretax Income	2,841	2,270	2,028	1,712	1,267
Income Tax Expense	409.04	313.24	266.73	204.11	205.61
Net Income	2,431	1,957	1,762	1,508	1,062
Preferred Dividends & Other Adjustments	334.73	169.56	167.43	142.47	110.7
Net Income to Common	2,097	1,787	1,594	1,365	950.96
Net Income Growth	24.27%	11.07%	16.83%	42.03%	8.38%
Basic Shares Outstanding	1,247	1,249	1,250	1,250	1,200
Diluted Shares Outstanding	1,247	1,249	1,250	1,250	1,200
Shares Change (YoY)	-0.13%	-0.08%	-	4.20%	4.54%
EPS (Basic)	1.68	1.43	1.28	1.09	0.79
EPS (Diluted)	1.68	1.43	1.28	1.09	0.79
EPS Growth	17.48%	12.19%	16.76%	37.80%	5.53%
Dividend Per Share	-	0.760	0.680	0.600	0.420
Dividend Growth	-	11.77%	13.33%	42.86%	75.00%
Effective Tax Rate	14.40%	13.80%	13.15%	11.92%	16.23%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.