Banque Saudi Fransi (TADAWUL:1050)

Banque Saudi Fransi Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	17,559	16,372	13,218	8,307	6,194
Interest Income on Investments	23.27	16.32	15.21	13.4	1.5
Total Interest Income	17,582	16,388	13,233	8,321	6,195
Interest Paid on Deposits	8,867	8,489	5,383	1,881	495.07
Net Interest Income	8,715	7,900	7,850	6,440	5,700
Net Interest Income Growth (YoY)	10.32%	0.63%	21.90%	12.98%	8.75%
Income From Trading Activities	225.63	275.69	114.02	201.75	171.84
Gain (Loss) on Sale of Assets	36.18	0.18	0.21	0.17	0.93
Gain (Loss) on Sale of Investments	103.35	-8.5	58.1	7.67	145.63
Other Non-Interest Income	1,442	1,455	1,376	1,372	1,227
Total Non-Interest Income	1,807	1,722	1,548	1,581	1,546
Non-Interest Income Growth (YoY)	4.92%	11.26%	-2.12%	2.32%	-20.70%
Revenues Before Loan Losses	10,522	9,622	9,398	8,021	7,246
Provision for Loan Losses	974	1,144	1,669	1,364	961.43
Revenue	9,548	8,478	7,730	6,657	6,284
Revenue Growth (YoY)	12.62%	9.68%	16.10%	5.94%	43.66%
Salaries and Employee Benefits	1,876	1,883	1,742	1,469	1,374
Occupancy Expenses	332.03	299.21	250.66	221.43	224.97
Selling, General & Administrative	1,351	1,226	1,029	963.24	848.07
Total Non-Interest Expense	3,559	3,409	3,022	2,654	2,447
EBT Excluding Unusual Items	5,989	5,069	4,708	4,004	3,837
Pretax Income	5,989	5,069	4,708	4,004	3,837
Income Tax Expense	635.59	525.26	485.1	428.77	387.5
Net Income	5,353	4,544	4,223	3,575	3,450
Preferred Dividends & Other Adjustments	467.77	282.88	224.61	224.89	204.35
Net Income to Common	4,886	4,261	3,998	3,350	3,246
Net Income Growth	17.81%	7.61%	18.11%	3.63%	123.12%
Basic Shares Outstanding	2,476	2,480	2,492	2,489	2,489
Diluted Shares Outstanding	2,476	2,480	2,492	2,489	2,489
Shares Change (YoY)	-0.19%	-0.47%	0.12%	-	-
EPS (Basic)	1.97	1.72	1.60	1.35	1.30
EPS (Diluted)	1.97	1.72	1.60	1.35	1.30
EPS Growth	14.87%	7.08%	19.19%	3.23%	118.20%
Dividend Per Share	1.070	0.982	0.940	0.795	0.723
Dividend Growth	8.95%	4.46%	18.19%	10.00%	274.91%
Effective Tax Rate	10.61%	10.36%	10.30%	10.71%	10.10%

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