Arab National Bank (TADAWUL:1080)

Arab National 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	15,014	14,454	12,599	7,657	5,172	5,992
Interest Income on Investments	208.88	157.63	143.14	159.62	87.59	83.38
Total Interest Income	15,223	14,612	12,742	7,816	5,259	6,075
Interest Paid on Deposits	6,836	6,482	5,340	2,020	499.62	1,123
Net Interest Income	8,387	8,130	7,402	5,796	4,760	4,952
Net Interest Income Growth (YoY)	5.24%	9.83%	27.71%	21.78%	-3.89%	-12.16%
Income From Trading Activities	45.69	59.27	26.94	39.37	13.42	5.42
Gain (Loss) on Sale of Assets	15.48	15.48	20.8	2.65	-0.17	-0.05
Gain (Loss) on Sale of Investments	229.74	180.55	187.05	88.81	245.35	-78.03
Other Non-Interest Income	1,285	1,115	930.29	971.4	754.33	971.5
Total Non-Interest Income	1,576	1,370	1,165	1,102	1,013	898.83
Non-Interest Income Growth (YoY)	33.43%	17.59%	5.70%	8.82%	12.69%	-16.54%
Revenues Before Loan Losses	9,963	9,500	8,567	6,898	5,773	5,851
Provision for Loan Losses	692.88	644.81	670.17	879.84	1,034	1,282
Revenue	9,270	8,855	7,897	6,018	4,738	4,569
Revenue Growth (YoY)	5.98%	12.13%	31.21%	27.02%	3.71%	-20.46%
Salaries and Employee Benefits	1,967	1,799	1,547	1,380	1,255	1,192
Occupancy Expenses	274.54	245.89	228.29	213.61	210.35	220.27
Selling, General & Administrative	1,088	1,083	1,072	864.47	736.35	634.21
Total Non-Interest Expense	3,196	3,102	3,150	2,386	2,116	1,997
EBT Excluding Unusual Items	6,074	5,753	4,747	3,633	2,622	2,572
Pretax Income	6,074	5,753	4,747	3,633	2,622	2,572
Income Tax Expense	846.9	785.5	671.11	565.78	450.15	502.71
Earnings From Continuing Operations	5,227	4,967	4,076	3,067	2,171	2,069
Minority Interest in Earnings	-1.22	-1.33	-5.13	3.35	5.17	3.25
Net Income	5,226	4,966	4,071	3,070	2,177	2,072
Net Income to Common	5,226	4,966	4,071	3,070	2,177	2,072
Net Income Growth	12.38%	22.00%	32.57%	41.07%	5.04%	-31.46%
Basic Shares Outstanding	1,994	2,000	2,000	2,000	2,000	2,000
Diluted Shares Outstanding	1,994	2,000	2,000	2,000	2,000	2,000
Shares Change (YoY)	-0.30%	-	-	-	-	-
EPS (Basic)	2.62	2.48	2.04	1.54	1.09	1.04
EPS (Diluted)	2.62	2.48	2.04	1.54	1.09	1.04
EPS Growth	12.72%	22.00%	32.57%	41.07%	5.04%	-31.46%
Dividend Per Share	1.300	1.300	1.012	0.825	0.600	0.300
Dividend Growth	10.64%	28.39%	22.73%	37.50%	100.00%	-60.00%
Effective Tax Rate	13.94%	13.65%	14.14%	15.57%	17.17%	19.55%

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