Beacon Financial 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	17,197	16,372	13,218	8,307	6,194	6,285
Interest Income on Investments	23.53	16.32	15.21	13.4	1.5	1.18
Total Interest Income	17,221	16,388	13,233	8,321	6,195	6,286
Interest Paid on Deposits	8,682	8,489	5,383	1,881	495.07	1,044
Net Interest Income	8,539	7,900	7,850	6,440	5,700	5,242
Net Interest Income Growth (YoY)	10.49%	0.63%	21.90%	12.98%	8.75%	0.64%
Income From Trading Activities	275.33	275.69	114.02	201.75	171.84	167.89
Gain (Loss) on Sale of Assets	0.18	0.18	0.21	0.17	0.93	0.39
Gain (Loss) on Sale of Investments	43.51	-8.5	58.1	7.67	145.63	156.48
Other Non-Interest Income	1,551	1,455	1,376	1,372	1,227	1,624
Total Non-Interest Income	1,870	1,722	1,548	1,581	1,546	1,949
Non-Interest Income Growth (YoY)	21.56%	11.26%	-2.12%	2.32%	-20.70%	14.20%
Revenues Before Loan Losses	10,409	9,622	9,398	8,021	7,246	7,191
Provision for Loan Losses	1,029	1,144	1,669	1,364	961.43	2,816
Revenue	9,380	8,478	7,730	6,657	6,284	4,374
Revenue Growth (YoY)	16.68%	9.68%	16.10%	5.94%	43.66%	-25.94%
Salaries and Employee Benefits	1,847	1,883	1,742	1,469	1,374	1,393
Occupancy Expenses	332.25	299.21	250.66	221.43	224.97	210.25
Selling, General & Administrative	1,385	1,226	1,029	963.24	848.07	760.76
Total Non-Interest Expense	3,564	3,409	3,022	2,654	2,447	2,364
EBT Excluding Unusual Items	5,817	5,069	4,708	4,004	3,837	2,010
Pretax Income	5,817	5,069	4,708	4,004	3,837	2,010
Income Tax Expense	605.83	525.26	485.1	428.77	387.5	464.03
Net Income	5,211	4,544	4,223	3,575	3,450	1,546
Preferred Dividends & Other Adjustments	405	282.88	224.61	224.89	204.35	58.83
Net Income to Common	4,806	4,261	3,998	3,350	3,246	1,487
Net Income Growth	22.47%	7.61%	18.11%	3.63%	123.12%	-50.36%
Basic Shares Outstanding	2,470	2,480	2,492	2,489	2,489	2,489
Diluted Shares Outstanding	2,470	2,480	2,492	2,489	2,489	2,489
Shares Change (YoY)	-1.06%	-0.48%	0.12%	-	-	-
EPS (Basic)	1.95	1.72	1.60	1.35	1.30	0.60
EPS (Diluted)	1.95	1.72	1.60	1.35	1.30	0.60
EPS Growth	20.91%	7.09%	19.19%	3.23%	118.20%	-52.25%
Dividend Per Share	1.050	0.982	0.940	0.795	0.723	0.193
Dividend Growth	8.89%	4.46%	18.19%	10.00%	274.91%	-80.00%
Effective Tax Rate	10.42%	10.36%	10.30%	10.71%	10.10%	23.08%

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