The Saudi National Bank Balance Sheet

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

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	26,082	21,002	40,480	20,158	52,873
Investment Securities	288,705	266,923	247,080	258,538	242,880
Trading Asset Securities	58,190	52,939	43,353	20,574	8,910
Total Investments	346,895	319,862	290,433	279,112	251,790
Gross Loans	745,045	673,148	620,414	564,992	517,784
Allowance for Loan Losses	-7,356	-10,405	-10,275	-11,408	-11,017
Other Adjustments to Gross Loans	-8,378	-8,490	-8,611	-8,273	-9,199
Net Loans	729,311	654,252	601,527	545,311	497,568
Property, Plant & Equipment	11,483	10,811	10,116	9,962	9,429
Goodwill	34,007	34,007	34,007	34,007	34,007
Other Intangible Assets	7,472	7,824	8,486	8,948	9,476
Other Receivables	5,681	7,604	6,895	3,967	5,581
Restricted Cash	36,131	34,603	34,687	33,983	34,189
Other Current Assets	7,125	9,914	5,245	6,152	13,252
Other Real Estate Owned & Foreclosed	790.42	764.1	702.6	556.83	706.31
Other Long-Term Assets	5,054	3,512	4,502	3,340	5,276
Total Assets	1,210,032	1,104,155	1,037,081	945,496	914,147
Accrued Expenses	7,329	8,345	7,571	8,441	10,223
Interest Bearing Deposits	255,214	246,885	193,994	227,235	208,624
Non-Interest Bearing Deposits	469,071	423,277	450,337	431,497	462,386
Total Deposits	724,285	670,162	644,331	658,732	671,010
Short-Term Borrowings	196,354	175,451	171,116	79,966	44,540
Current Portion of Long-Term Debt	1,968	2,497	6,770	2,544	275.89
Current Portion of Leases	164.44	180.68	268.42	612.24	603.35
Current Income Taxes Payable	2,911	2,647	2,439	2,479	2,399
Long-Term Debt	61,693	37,980	13,535	10,443	5,837
Long-Term Leases	444.13	959.43	933.44	1,210	1,479
Pension & Post-Retirement Benefits	1,890	1,799	1,502	1,452	1,838
Other Long-Term Liabilities	9,167	10,858	11,988	12,841	13,174
Total Liabilities	1,006,204	910,879	860,452	778,719	751,378
Common Stock	60,000	60,000	60,000	44,780	44,780
Additional Paid-In Capital	63,702	63,702	63,702	63,702	63,702
Retained Earnings	74,444	60,833	50,272	57,986	48,504
Treasury Stock	-2,586	-2,099	-2,203	-2,028	-2,138
Comprehensive Income & Other	7,719	10,130	4,133	1,533	7,350
Total Common Equity	203,279	192,565	175,905	165,973	162,198
Minority Interest	548.74	709.82	723.84	804.5	571.57
Shareholders' Equity	203,827	193,275	176,629	166,778	162,770
Total Liabilities & Equity	1,210,032	1,104,155	1,037,081	945,496	914,147
Total Debt	260,623	217,069	192,622	94,775	52,735
Net Cash (Debt)	-176,351	-143,128	-108,789	-54,042	9,049
Net Cash Growth	-	-	-	-	-60.52%
Net Cash Per Share	-29.63	-24.04	-18.27	-9.07	1.66
Filing Date Shares Outstanding	5,931	5,945	5,942	5,918	5,914
Total Common Shares Outstanding	5,931	5,945	5,942	5,918	5,914
Book Value Per Share	31.30	28.83	27.05	25.43	25.36
Tangible Book Value	161,800	150,734	133,412	123,018	118,715
Tangible Book Value Per Share	24.30	21.79	19.90	18.17	18.01

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.