The Saudi National Bank (TADAWUL:1180)

The Saudi National Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	61,402	60,962	57,835	49,857	34,393	25,439
Interest Income on Investments	518.3	462.62	413.26	-	-	-
Total Interest Income	61,920	61,424	58,249	49,857	34,393	25,439
Interest Paid on Deposits	32,001	31,806	30,112	22,848	8,106	3,231
Net Interest Income	29,919	29,618	28,137	27,009	26,287	22,208
Net Interest Income Growth (YoY)	5.09%	5.27%	4.17%	2.75%	18.37%	33.10%
Income From Trading Activities	496.9	614.13	636.57	-	-	-
Other Non-Interest Income	8,818	8,963	7,260	7,580	6,717	6,028
Total Non-Interest Income	9,315	9,577	7,897	7,580	6,717	6,028
Non-Interest Income Growth (YoY)	13.09%	21.28%	4.17%	12.85%	11.43%	26.29%
Revenues Before Loan Losses	39,233	39,195	36,033	34,589	33,005	28,236
Provision for Loan Losses	424.98	1,034	1,019	922.75	1,685	3,961
Revenue	38,808	38,160	35,014	33,667	31,319	24,275
Revenue Growth (YoY)	6.88%	8.98%	4.00%	7.50%	29.02%	24.44%
Salaries and Employee Benefits	4,795	4,721	4,487	4,520	4,119	4,018
Occupancy Expenses	1,448	1,484	1,788	1,459	1,435	1,108
Amortization of Goodwill & Intangibles	820.28	820.28	820.28	820.28	844.87	688.97
Selling, General & Administrative	2,884	2,847	3,927	3,558	3,386	3,747
Total Non-Interest Expense	10,342	10,264	11,400	10,894	10,042	9,821
EBT Excluding Unusual Items	28,466	27,897	23,615	22,773	21,277	14,454
Pretax Income	28,466	27,897	23,615	22,773	21,277	14,454
Income Tax Expense	3,032	2,905	2,521	2,664	2,548	1,670
Earnings From Continuing Operations	25,435	24,992	21,094	20,109	18,729	12,784
Minority Interest in Earnings	-20.26	21.72	99.35	-98.86	-148.15	-115.96
Net Income	25,414	25,013	21,193	20,010	18,581	12,668
Preferred Dividends & Other Adjustments	1,037	1,037	764.08	772.53	567.92	484.53
Net Income to Common	24,377	23,976	20,429	19,237	18,013	12,184
Net Income Growth	14.61%	18.03%	5.91%	7.69%	46.67%	10.73%
Basic Shares Outstanding	5,918	5,942	5,945	5,948	5,947	5,433
Diluted Shares Outstanding	5,927	5,951	5,953	5,956	5,956	5,442
Shares Change (YoY)	-2.84%	-0.03%	-0.05%	-0.01%	9.44%	36.24%
EPS (Basic)	4.12	4.04	3.44	3.23	3.03	2.24
EPS (Diluted)	4.11	4.03	3.43	3.23	3.02	2.23
EPS Growth	15.20%	17.49%	6.19%	6.95%	35.12%	-18.80%
Dividend Per Share	2.150	2.150	1.900	1.750	1.275	1.163
Dividend Growth	13.16%	13.16%	8.57%	37.26%	9.68%	93.75%
Effective Tax Rate	10.65%	10.41%	10.68%	11.70%	11.97%	11.55%

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