The Saudi National Bank (TADAWUL:1180)

The Saudi National Bank Balance Sheet

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
Cash & Equivalents	28,347	7,517	40,480	20,158	52,873	41,892
Investment Securities	288,015	292,487	269,129	258,538	242,880	136,338
Trading Asset Securities	52,917	27,375	21,304	20,574	8,910	16,855
Total Investments	340,932	319,862	290,433	279,112	251,790	153,192
Gross Loans	733,733	672,626	620,414	564,992	517,784	365,811
Allowance for Loan Losses	-8,643	-10,405	-10,275	-11,408	-11,017	-8,791
Other Adjustments to Gross Loans	-	-7,968	-8,611	-8,273	-9,199	-10,315
Net Loans	725,090	654,252	601,527	545,311	497,568	346,705
Property, Plant & Equipment	13,644	10,811	10,116	9,962	9,429	6,285
Goodwill	34,007	34,007	34,007	34,007	34,007	-
Other Intangible Assets	5,127	7,824	8,486	8,948	9,476	1,083
Other Receivables	9,949	21,088	6,895	3,967	5,581	5,524
Restricted Cash	37,286	34,603	34,687	33,983	34,189	23,045
Other Current Assets	-	9,914	5,245	6,152	13,252	11,964
Other Real Estate Owned & Foreclosed	-	764.1	702.6	556.83	706.31	964.56
Other Long-Term Assets	12,226	3,512	4,502	3,340	5,276	8,789
Total Assets	1,206,607	1,104,155	1,037,081	945,496	914,147	599,443
Accrued Expenses	-	8,345	7,571	8,441	10,223	5,638
Interest Bearing Deposits	230,457	246,885	193,994	227,235	208,624	145,061
Non-Interest Bearing Deposits	490,983	423,277	450,337	431,497	462,386	323,832
Total Deposits	721,440	670,162	644,331	658,732	671,010	468,893
Short-Term Borrowings	144,146	175,451	171,116	79,966	44,540	32,298
Current Portion of Long-Term Debt	-	2,497	6,770	2,544	275.89	-
Current Portion of Leases	-	180.68	268.42	612.24	603.35	306.84
Current Income Taxes Payable	-	2,647	2,439	2,479	2,399	1,400
Long-Term Debt	120,680	37,980	13,535	10,443	5,837	1,773
Long-Term Leases	-	959.43	933.44	1,210	1,479	1,448
Pension & Post-Retirement Benefits	-	1,799	1,502	1,452	1,838	1,427
Other Long-Term Liabilities	23,300	10,858	11,988	12,841	13,174	6,045
Total Liabilities	1,009,566	910,879	860,452	778,719	751,378	519,228
Common Stock	60,000	60,000	60,000	44,780	44,780	30,000
Additional Paid-In Capital	63,702	63,702	63,702	63,702	63,702	-
Retained Earnings	68,059	60,833	50,272	57,986	48,504	42,771
Treasury Stock	-2,394	-2,099	-2,203	-2,028	-2,138	-371.07
Comprehensive Income & Other	7,133	10,130	4,133	1,533	7,350	7,010
Total Common Equity	196,500	192,565	175,905	165,973	162,198	79,410
Minority Interest	541.21	709.82	723.84	804.5	571.57	804.89
Shareholders' Equity	197,041	193,275	176,629	166,778	162,770	80,215
Total Liabilities & Equity	1,206,607	1,104,155	1,037,081	945,496	914,147	599,443
Total Debt	264,826	217,069	192,622	94,775	52,735	35,826
Net Cash (Debt)	-183,562	-182,176	-130,838	-54,042	9,049	22,921
Net Cash Growth	-	-	-	-	-60.52%	-56.38%
Net Cash Per Share	-30.85	-30.60	-21.97	-9.07	1.66	5.74
Filing Date Shares Outstanding	5,936	5,945	5,942	5,918	5,914	3,987
Total Common Shares Outstanding	5,936	5,945	5,942	5,918	5,914	3,987
Book Value Per Share	30.29	28.83	27.05	25.43	25.36	17.36
Tangible Book Value	157,366	150,734	133,412	123,018	118,715	78,327
Tangible Book Value Per Share	23.69	21.79	19.90	18.17	18.01	17.09

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