Saudi Awwal 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	22,363	20,609	17,088	9,322	6,379
Interest Income on Investments	26.54	7.32	4.75	-	14.83
Total Interest Income	22,389	20,616	17,093	9,322	6,393
Interest Paid on Deposits	10,736	9,478	6,747	1,914	661.45
Net Interest Income	11,653	11,138	10,346	7,408	5,732
Net Interest Income Growth (YoY)	4.62%	7.66%	39.66%	29.24%	-16.90%
Gain (Loss) on Sale of Investments	96.52	-102.73	-19.82	18.85	62.82
Other Non-Interest Income	2,974	2,982	2,384	2,114	1,883
Total Non-Interest Income	3,071	2,879	2,364	2,133	1,946
Non-Interest Income Growth (YoY)	6.66%	21.78%	10.82%	9.61%	-5.33%
Revenues Before Loan Losses	14,724	14,018	12,710	9,542	7,678
Provision for Loan Losses	703.51	566.06	562.44	445.26	453.74
Revenue	14,020	13,452	12,148	9,096	7,225
Revenue Growth (YoY)	4.23%	10.73%	33.55%	25.91%	-1.34%
Salaries and Employee Benefits	2,354	2,227	2,055	1,748	1,737
Occupancy Expenses	711.91	546.65	565.6	464.48	621.61
Selling, General & Administrative	1,396	1,517	1,492	1,449	1,033
Total Non-Interest Expense	4,321	4,086	3,925	3,490	3,260
EBT Excluding Unusual Items	9,699	9,366	8,223	5,607	3,964
Other Unusual Items	-	-	-	108.6	-
Pretax Income	9,699	9,366	8,223	5,715	3,927
Income Tax Expense	1,247	1,296	1,221	835.81	695.68
Earnings From Continuing Operations	8,452	8,070	7,002	4,879	3,232
Earnings From Discontinued Operations	-	-	-	-53.86	-30.17
Minority Interest in Earnings	-	-	-	2.01	2.78
Net Income	8,452	8,070	7,002	4,828	3,204
Preferred Dividends & Other Adjustments	625.24	304.62	-	-	-
Net Income to Common	7,827	7,766	7,002	4,828	3,204
Net Income Growth	4.73%	15.25%	45.05%	50.65%	-
Basic Shares Outstanding	2,055	2,055	2,055	2,055	2,055
Diluted Shares Outstanding	2,055	2,055	2,055	2,055	2,055
Shares Change (YoY)	-	-	-	-	-0.01%
EPS (Basic)	3.81	3.78	3.41	2.35	1.56
EPS (Diluted)	3.81	3.78	3.41	2.35	1.56
EPS Growth	0.79%	10.90%	45.05%	50.65%	-
Dividend Per Share	-	2.000	1.860	1.290	0.860
Dividend Growth	-	7.53%	44.19%	50.00%	-
Effective Tax Rate	12.86%	13.83%	14.85%	14.62%	17.71%

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