Saudi Awwal Bank (TADAWUL:1060)

Saudi Awwal Bank 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	21,799	20,501	17,088	9,322	6,379	7,812
Interest Income on Investments	15.28	7.32	4.75	-	14.83	25.28
Total Interest Income	21,814	20,509	17,093	9,322	6,393	7,837
Interest Paid on Deposits	10,436	9,478	6,747	1,914	661.45	938.87
Net Interest Income	11,378	11,031	10,346	7,408	5,732	6,898
Net Interest Income Growth (YoY)	4.27%	6.62%	39.66%	29.24%	-16.90%	-4.88%
Income From Trading Activities	-	-	-	-	-	158.21
Gain (Loss) on Sale of Investments	-54	-102.73	-19.82	18.85	62.82	31.2
Other Non-Interest Income	3,217	3,090	2,384	2,114	1,883	1,867
Total Non-Interest Income	3,163	2,987	2,364	2,133	1,946	2,056
Non-Interest Income Growth (YoY)	15.71%	26.33%	10.82%	9.61%	-5.33%	4.82%
Revenues Before Loan Losses	14,541	14,018	12,710	9,542	7,678	8,954
Provision for Loan Losses	504.63	566.06	562.44	445.26	453.74	1,631
Revenue	14,036	13,452	12,148	9,096	7,225	7,323
Revenue Growth (YoY)	7.20%	10.73%	33.55%	25.91%	-1.34%	9.10%
Salaries and Employee Benefits	2,299	2,227	2,055	1,748	1,737	1,689
Occupancy Expenses	692.12	546.65	565.6	464.48	621.61	677.66
Selling, General & Administrative	1,371	1,517	1,492	1,449	1,033	1,346
Total Non-Interest Expense	4,219	4,086	3,925	3,490	3,260	3,631
EBT Excluding Unusual Items	9,818	9,366	8,223	5,607	3,964	3,692
Other Unusual Items	-	-	-	108.6	-	-76
Pretax Income	9,818	9,366	8,223	5,715	3,927	-4,302
Income Tax Expense	1,286	1,296	1,221	835.81	695.68	-133.99
Earnings From Continuing Operations	8,531	8,070	7,002	4,879	3,232	-4,168
Earnings From Discontinued Operations	-	-	-	-53.86	-30.17	-
Minority Interest in Earnings	-	-	-	2.01	2.78	35.46
Net Income	8,531	8,070	7,002	4,828	3,204	-4,132
Preferred Dividends & Other Adjustments	463.15	304.62	-	-	-	-
Net Income to Common	8,068	7,766	7,002	4,828	3,204	-4,132
Net Income Growth	9.35%	15.25%	45.05%	50.65%	-	-
Basic Shares Outstanding	2,055	2,055	2,055	2,055	2,055	2,055
Diluted Shares Outstanding	2,055	2,055	2,055	2,055	2,055	2,055
Shares Change (YoY)	-	-	-	-	-0.01%	14.04%
EPS (Basic)	3.93	3.78	3.41	2.35	1.56	-2.01
EPS (Diluted)	3.93	3.78	3.41	2.35	1.56	-2.01
EPS Growth	6.54%	10.90%	45.05%	50.65%	-	-
Dividend Per Share	2.000	2.000	1.860	1.290	0.860	-
Dividend Growth	1.01%	7.53%	44.19%	50.00%	-	-
Effective Tax Rate	13.10%	13.83%	14.85%	14.62%	17.71%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.