Arab National Bank (TADAWUL:1080)

Arab National Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	15,205	14,406	12,599	7,657	5,172
Interest Income on Investments	269.82	205.38	143.14	159.62	87.59
Total Interest Income	15,475	14,612	12,742	7,816	5,259
Interest Paid on Deposits	7,108	6,480	5,340	2,020	499.62
Net Interest Income	8,367	8,132	7,402	5,796	4,760
Net Interest Income Growth (YoY)	2.89%	9.86%	27.71%	21.78%	-3.89%
Income From Trading Activities	81.15	59.27	26.94	39.37	13.42
Gain (Loss) on Sale of Assets	-15.55	13.56	20.8	2.65	-0.17
Gain (Loss) on Sale of Investments	212.05	180.55	187.05	88.81	245.35
Other Non-Interest Income	1,239	1,040	930.29	971.4	754.33
Total Non-Interest Income	1,516	1,293	1,165	1,102	1,013
Non-Interest Income Growth (YoY)	17.27%	10.98%	5.70%	8.82%	12.69%
Revenues Before Loan Losses	9,883	9,425	8,567	6,898	5,773
Provision for Loan Losses	692.66	644.81	670.17	879.84	1,034
Revenue	9,190	8,780	7,897	6,018	4,738
Revenue Growth (YoY)	4.67%	11.19%	31.21%	27.02%	3.71%
Salaries and Employee Benefits	2,012	1,772	1,547	1,380	1,255
Occupancy Expenses	261.38	222	228.29	213.61	210.35
Selling, General & Administrative	1,063	1,073	1,072	864.47	736.35
Total Non-Interest Expense	3,210	3,041	3,150	2,386	2,116
EBT Excluding Unusual Items	5,981	5,739	4,747	3,633	2,622
Pretax Income	5,981	5,739	4,747	3,633	2,622
Income Tax Expense	869.61	781.91	671.11	565.78	450.15
Earnings From Continuing Operations	5,111	4,957	4,076	3,067	2,171
Earnings From Discontinued Operations	5.96	10.51	-	-	-
Minority Interest in Earnings	-0.75	-1.33	-5.13	3.35	5.17
Net Income	5,116	4,966	4,071	3,070	2,177
Preferred Dividends & Other Adjustments	187.41	-	-	-	-
Net Income to Common	4,929	4,966	4,071	3,070	2,177
Net Income Growth	3.02%	22.00%	32.57%	41.07%	5.04%
Basic Shares Outstanding	1,992	2,000	2,000	2,000	2,000
Diluted Shares Outstanding	1,992	2,000	2,000	2,000	2,000
Shares Change (YoY)	-0.38%	-0.01%	-	-	-
EPS (Basic)	2.47	2.48	2.04	1.54	1.09
EPS (Diluted)	2.47	2.48	2.04	1.54	1.09
EPS Growth	-0.38%	22.02%	32.57%	41.07%	5.04%
Dividend Per Share	1.300	1.300	1.012	0.825	0.600
Dividend Growth	-	28.39%	22.73%	37.50%	100.00%
Effective Tax Rate	14.54%	13.63%	14.14%	15.57%	17.17%

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