Banque Saudi Fransi (TADAWUL:1050)

Banque Saudi Fransi Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	16,901	16,372	13,218	8,307	6,194	6,285
Interest Income on Investments	23.5	16.32	15.21	13.4	1.5	1.18
Total Interest Income	16,924	16,388	13,233	8,321	6,195	6,286
Interest Paid on Deposits	8,562	8,489	5,383	1,881	495.07	1,044
Net Interest Income	8,363	7,900	7,850	6,440	5,700	5,242
Net Interest Income Growth (YoY)	7.08%	0.63%	21.90%	12.98%	8.75%	0.64%
Income From Trading Activities	280.69	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	36.71	-8.5	58.1	7.67	145.63	156.48
Other Non-Interest Income	1,576	1,455	1,376	1,372	1,227	1,624
Total Non-Interest Income	1,894	1,722	1,548	1,581	1,546	1,949
Non-Interest Income Growth (YoY)	22.93%	11.26%	-2.12%	2.32%	-20.70%	14.20%
Revenues Before Loan Losses	10,256	9,622	9,398	8,021	7,246	7,191
Provision for Loan Losses	1,101	1,144	1,669	1,364	961.43	2,816
Revenue	9,155	8,478	7,730	6,657	6,284	4,374
Revenue Growth (YoY)	14.09%	9.68%	16.10%	5.94%	43.66%	-25.94%
Salaries and Employee Benefits	1,869	1,883	1,742	1,469	1,374	1,393
Occupancy Expenses	330.24	299.21	250.66	221.43	224.97	210.25
Selling, General & Administrative	1,368	1,226	1,029	963.24	848.07	760.76
Total Non-Interest Expense	3,567	3,409	3,022	2,654	2,447	2,364
EBT Excluding Unusual Items	5,589	5,069	4,708	4,004	3,837	2,010
Pretax Income	5,589	5,069	4,708	4,004	3,837	2,010
Income Tax Expense	582.78	525.26	485.1	428.77	387.5	464.03
Net Income	5,006	4,544	4,223	3,575	3,450	1,546
Preferred Dividends & Other Adjustments	373	282.88	224.61	224.89	204.35	58.83
Net Income to Common	4,633	4,261	3,998	3,350	3,246	1,487
Net Income Growth	15.02%	7.61%	18.11%	3.63%	123.12%	-50.36%
Basic Shares Outstanding	2,474	2,480	2,492	2,489	2,489	2,489
Diluted Shares Outstanding	2,474	2,480	2,492	2,489	2,489	2,489
Shares Change (YoY)	-0.83%	-0.48%	0.12%	-	-	-
EPS (Basic)	1.87	1.72	1.60	1.35	1.30	0.60
EPS (Diluted)	1.87	1.72	1.60	1.35	1.30	0.60
EPS Growth	13.18%	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	10.43%	10.36%	10.30%	10.71%	10.10%	23.08%

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