Balance Sheet Arab National Bank

Equities

1080

SA0007879105

Banks

Market Closed - Saudi Arabian S.E. Other stock markets 13:20:00 10/07/2025 BST			5-day change	1st Jan Change
21.86 ^SAR	+0.09%		-1.26%	+3.70%

07-11	Sadif Investment Lifts Arab National Bank's PT, Keeps Buy Rating	MT
07-10	International Human Resources signs framework agreement with Arab National Bank	RE

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Published financial data: ARAB NATIONAL BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	5.99B	5.17B	7.66B	12.48B	14.45B
Interest Income On Investments	83.38M	87.59M	160M	143M	158M
Interest Income, Total	6.08B	5.26B	7.82B	12.62B	14.61B
Interest On Deposits	1.12B	500M	2.02B	5.34B	6.48B
Interest Expense, Total	1.12B	500M	2.02B	5.34B	6.48B
Net Interest Income	4.95B	4.76B	5.8B	7.28B	8.13B
Income From Trading Activities	5.42M	13.42M	39.36M	26.94M	59.27M
Gain (Loss) on Sale of Assets	-46K	-171K	2.65M	20.8M	15.48M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-80.31M	241M	88.8M	187M	181M
Total Other Non Interest Income	974M	754M	971M	1.05B	1.11B
Non Interest Income, Total	899M	1.01B	1.1B	1.29B	1.37B
Revenues Before Provison For Loan Losses	5.85B	5.77B	6.9B	8.57B	9.5B
Provision For Loan Losses	1.28B	1.03B	880M	670M	645M
Total Revenues	4.57B	4.74B	6.02B	7.9B	8.86B
Salaries And Other Employee Benefits	1.19B	1.25B	1.38B	1.55B	1.8B
Occupancy Expense	220M	210M	214M	228M	246M
Selling General & Admin Expenses, Total	634M	736M	864M	1.07B	1.08B
(Income) Loss on Real Estate Property	-	-	-	322M	119M
(Income) Loss on Equity Invest.	-49.56M	-84.92M	-72.08M	-19.51M	-145M
Non Interest Expense, Total	2B	2.12B	2.39B	3.15B	3.1B
EBT, Excl. Unusual Items	2.57B	2.62B	3.63B	4.75B	5.75B
EBT, Incl. Unusual Items	2.57B	2.62B	3.63B	4.75B	5.75B
Income Tax Expense	503M	450M	566M	671M	786M
Earnings From Continuing Operations	2.07B	2.17B	3.07B	4.08B	4.97B
Net Income to Company	2.07B	2.17B	3.07B	4.08B	4.97B
Minority Interest	3.25M	5.17M	3.35M	-5.13M	-1.32M
Net Income - (IS)	2.07B	2.18B	3.07B	4.07B	4.97B
Net Income to Common Incl Extra Items	2.07B	2.18B	3.07B	4.07B	4.97B
Net Income to Common Excl. Extra Items	2.07B	2.18B	3.07B	4.07B	4.97B
Per Share Items
Net EPS - Basic	1.04	1.09	1.54	2.04	2.48
Basic EPS - Continuing Operations	1.04	1.09	1.54	2.04	2.48
Basic Weighted Average Shares Outstanding	2B	2B	2B	2B	2B
Net EPS - Diluted	1.04	1.09	1.54	2.04	2.48
Diluted EPS - Continuing Operations	1.04	1.09	1.54	2.04	2.48
Diluted Weighted Average Shares Outstanding	2B	2B	2B	2B	2B
Normalized Basic EPS	0.81	0.82	1.14	1.48	1.8
Normalized Diluted EPS	0.81	0.82	1.14	1.48	1.8
Dividend Per Share	0.3	0.6	0.82	1.01	1.3
Payout Ratio	33.55	49.31	44.49	42.43	43.53
Supplemental Items
Effective Tax Rate - (Ratio)	19.55	17.17	15.57	14.14	13.65
Total Current Taxes	222M	211M	296M	330M	420M
Total Deferred Taxes	-4.41M	-3.97M	-5.67M	-39.57M	-29.76M
Normalized Net Income	1.61B	1.64B	2.27B	2.96B	3.59B
Non-Cash Pension Expense	17.71M	12.1M	16.58M	27.18M	30.2M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	2.44B	3.55B	7.26B	3.52B	5.06B
Investment Securities, Total	49.04B	48.02B	44.72B	47.98B	53.79B
Trading Asset Securities, Total	995M	967M	2.96B	1.8B	2.29B
Total investments	50.04B	48.99B	47.68B	49.79B	56.09B
Gross Loans	117B	130B	148B	156B	173B
Allowance For Loan Losses	-4.03B	-3.11B	-3.92B	-3.33B	-3.07B
Net Loans	113B	127B	144B	152B	169B
Gross Property Plant And Equipment	5.18B	5.21B	5.4B	5.54B	6.24B
Accumulated Depreciation	-2.88B	-3.01B	-3.17B	-3.05B	-3.26B
Net Property Plant And Equipment	2.3B	2.21B	2.23B	2.5B	2.98B
Investment in Real Estate	-	-	-	-	-
Accrued Interest Receivable	-	-	72.94M	71.87M	122M
Other Receivables	-	-	240M	276M	585M
Restricted Cash	7.29B	7.18B	8.5B	9.49B	10.58B
Other Current Assets, Total	3.95B	2.81B	760M	823M	1.17B
Other Real Estate Owned And Foreclosed	220M	179M	1.32B	1.03B	909M
Other Long-Term Assets, Total	786M	919M	739M	954M	1.33B
Total Assets	180B	193B	213B	221B	248B
Liabilities
Accrued Expenses, Total	565M	569M	623M	758M	877M
Interest Bearing Deposits	62.8B	72.83B	89.36B	91.57B	104B
Non-Interest Bearing Deposits	76.35B	77.09B	75.33B	82.63B	92.89B
Total Deposits	139B	150B	165B	174B	197B
Short-Term Borrowings	3.45B	2.22B	5.86B	1.5B	1.6B
Current Portion of Long-Term Debt	16.89M	-	16.6M	-	-
Long-Term Debt	2.81B	2.83B	2.81B	2.83B	2.83B
Long-Term Leases	949M	920M	874M	919M	966M
Current Income Taxes Payable	606M	554M	495M	450M	630M
Other Current Liabilities - (Bank / Utility Template)	-	-	-	661M	1.24B
Pension & Other Post Retirement Benefits	537M	541M	567M	552M	595M
Other Non Current Liabilities	2.55B	3.82B	4.34B	3.72B	4.84B
Total Liabilities	151B	161B	180B	186B	210B
Common Stock, Total	15B	15B	15B	15B	20B
Retained Earnings	14.45B	15.56B	17.28B	19.63B	18.11B
Treasury Stock	-	-	-	-	-98.33M
Comprehensive Income and Other	279M	543M	58.5M	437M	111M
Total Common Equity	29.73B	31.1B	32.33B	35.07B	38.12B
Minority Interest	31.82M	26.64M	23.29M	28.42M	29.75M
Total Equity	29.77B	31.13B	32.36B	35.1B	38.15B
Total Liabilities And Equity	180B	193B	213B	221B	248B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2B	2B	2B	2B	2B
ECS Total Common Shares Outstanding	2B	2B	2B	2B	2B
Book Value / Share	14.87	15.55	16.17	17.53	19.06
Tangible Book Value	29.73B	31.1B	32.33B	35.07B	38.12B
Tangible Book Value Per Share	14.87	15.55	16.17	17.53	19.06
Total Debt	7.23B	5.97B	9.57B	5.25B	5.39B
Deposits at Interest - Cash	5.06B	4.99B	8.77B	2.84B	4.42B
Debt Equivalent of Unfunded Proj. Benefit Obligation	537M	541M	567M	552M	595M
Net Debt	-190M	-1.25B	-3.38B	-435M	-2.52B
Equity Method Investments, Total	1.29B	1.16B	979M	949M	890M
Full Time Employees	3.96K	4.06K	4.03K	4.21K	4.47K
Number Of Offices	137	132	128	128	123

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2.07B	2.18B	3.07B	4.07B	4.97B
Depreciation, Depletion & Amortization	220M	210M	214M	228M	246M
Total Depreciation, Depletion & Amortization	220M	210M	214M	228M	246M
(Gain) Loss On Sale of Asset - (CF)	1.27M	9.7M	-3.21M	-20.8M	-15.48M
(Gain) Loss on Sale of Investments - (CF)	109M	-205M	-93.57M	-185M	-339M
Total Asset Writedown	-	-	10.34M	322M	119M
Provision for Credit Losses	1.43B	1.11B	897M	721M	494M
(Income) Loss On Equity Investments - (CF)	-49.56M	-84.92M	-72.08M	-19.51M	-145M
Change in Trading Asset Securities	109M	36.77M	-1.94B	1.16B	-782M
Change in Other Net Operating Assets (Collected)	10.59B	-8.47B	-15.93B	-15.83B	-11.77B
Other Operating Activities	-417M	-135M	-161M	-284M	193M
Cash from Operations	14.07B	-5.35B	-14.01B	-9.84B	-7.03B
Capital Expenditure	-75.82M	-80.56M	-210M	-391M	-627M
Sale of Property, Plant, and Equipment	75K	3.83M	3.8M	34.52M	33.88M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-6.99B	327M	196M	-4.98B	-4.65B
Other Investing Activities, Total	83.38M	87.59M	160M	143M	362M
Cash from Investing	-6.98B	338M	150M	-5.19B	-4.88B
Long-Term Debt Issued, Total	2.81B	-	-	-	-
Total Debt Issued	2.81B	-	-	-	-
Long-Term Debt Repaid, Total	-2.1B	-89.57M	-	-	-109M
Total Debt Repaid	-2.1B	-89.57M	-	-	-109M
Repurchase of Common Stock	-	-	-	-	-98.33M
Common Dividends Paid	-695M	-1.07B	-1.37B	-1.73B	-2.16B
Common & Preferred Stock Dividends Paid	-695M	-1.07B	-1.37B	-1.73B	-2.16B
Net Increase (Decrease) in Deposit Accounts - (CF)	-12.78B	6.36B	19.16B	10.99B	16.34B
Other Financing Activities, Total	-64.68M	-93.84M	-93.55M	-93.51M	-93.54M
Cash from Financing	-12.82B	5.11B	17.7B	9.17B	13.87B
Net Change in Cash	-5.73B	95.38M	3.84B	-5.86B	1.96B
Supplemental Items
Net Debt Issued / Repaid	716M	-89.57M	-	-	-109M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.14	1.16	1.51	1.88	2.11
Return On Equity %	7.12	7.13	9.66	12.08	13.43
Return on Common Equity	7.14	7.16	9.68	12.08	13.44
Shareholders Value Added	-1.41B	-1.47B	-736M	26.28M	532M
Margin Analysis
SG&A Margin	44.8	46.46	40.84	36.06	35.32
Net Interest Income / Total Revenues %	108.39	100.46	96.3	92.19	91.81
EBT Excl. Non-Recurring Items Margin %	56.29	55.33	60.36	60.11	64.97
Income From Continuing Operations Margin %	45.29	45.83	50.96	51.61	56.1
Net Income Margin %	45.36	45.94	51.02	51.55	56.08
Net Avail. For Common Margin %	45.36	45.94	51.02	51.55	56.08
Normalized Net Income Margin	35.25	34.69	37.78	37.5	40.59
Asset quality
Nonperforming Loans / Total Loans %	3.46	1.69	1.79	1.48	1.2
Nonperforming Loans / Total Assets %	2.25	1.14	1.24	1.04	0.83
Nonperforming Assets / Total Assets %	2.37	1.23	1.86	1.51	1.2
NPAs / Loans and OREO	3.64	1.82	2.66	2.13	1.72
NPAs / Equity	14.38	7.62	12.25	9.49	7.8
Allowance for Credit Losses / Net Charge-offs %	496.44	154.03	4.34K	270.46	406.71
Allowance for Credit Losses / Nonperforming Loans %	99.15	142.06	148.09	144.63	148.48
Allowance for Credit Losses / Total Loans %	3.43	2.4	2.65	2.14	1.78
Provision for Loan Losses / Net Charge-offs %	158.14	50.98	974.12	54.44	85.46
Capital And Funding
Total Average Common Equity / Total Average Assets %	15.95	16.31	15.66	15.56	15.73
Total Average Equity / Total Average Assets %	15.97	16.33	15.67	15.57	15.74
Total Equity + Allowance for Loan Losses / Total Loans %	28.76	26.36	24.54	24.68	23.87
Gross Loans / Total Deposits %	84.36	86.57	89.72	89.3	87.78
Net Loans / Total Deposits %	81.47	84.49	87.34	87.39	86.22
Tier 1 Capital Ratio %	19.49	18.9	17.6	18.82	17.18
Total Capital Ratio %	22.03	21.35	19.78	20.86	18.94
Core Tier 1 Capital Ratio	-	-	-	18.82	17.18
Tier 2 Capital Ratio	2.54	2.45	2.18	2.04	1.76
Coverage Ratio	97.33	140.42	143.65	140.34	144.45
Interbank Ratio	360.93	200.24	613.16	535.92	275.87
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.29	6.25	2.8	1.89	1.89
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-12.16	-3.89	21.78	25.6	9.83
Non Interest Income, 1 Yr. Growth %	-16.54	12.25	8.82	16.76	17.59
Provision For Loan Losses, 1 Yr. Growth %	32.1	-19.63	-14.95	-23.83	-3.78
Total Revenues, 1 Yr. Growth %	-20.46	3.71	27.02	31.21	12.13
Earnings From Cont. Operations, 1 Yr. Growth %	-31.53	4.95	41.25	32.88	21.88
Net Income, 1 Yr. Growth %	-31.46	5.04	41.06	32.57	22
Normalized Net Income, 1 Yr. Growth %	-27.47	2.06	38.34	30.24	21.36
Diluted EPS Before Extra, 1 Yr. Growth %	-31.46	5.04	41.06	32.57	22
Dividend Per Share, 1 Yr. Growth %	-60	100	37.5	22.73	28.4
Gross Loans, 1 Yr. Growth %	-3.97	10.56	13.84	5.29	10.93
Allowance For Loan Losses, 1 Yr. Growth %	18.33	-22.65	25.9	-15.07	-7.82
Net Loans, 1 Yr. Growth %	-4.61	11.74	13.54	5.84	11.34
Non Performing Loans, 1 Yr. Growth %	62.48	-46.01	20.78	-13.04	-10.21
Non Performing Assets, 1 Yr. Growth %	57.29	-44.61	67.25	-16.02	-10.63
Total Assets, 1 Yr. Growth %	-1.66	6.71	10.46	3.79	12.14
Total Deposits, 1 Yr Growth %	-4.17	7.74	11.86	5.78	12.85
Tangible Book Value, 1 Yr. Growth %	5.04	4.6	3.97	8.46	6.54
Common Equity, 1 Yr. Growth %	5.04	4.6	3.97	8.46	6.54
Total Equity, 1 Yr. Growth %	5.02	4.57	3.95	8.47	6.54
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.55	-8.12	8.19	23.68	18.43
Non Interest Income, 2 Yr. CAGR %	-17.59	-3.21	10.74	12.72	11.49
Provision For Loan Losses, 2 Yr. CAGR %	13.33	3.04	-17.16	-19.51	-14.39
Total Revenues, 2 Yr. CAGR %	-9.19	-9.18	14.78	29.1	21.3
Earnings From Cont. Operations, 2 Yr. CAGR %	-27.82	-15.23	21.75	37	27.26
Net Income, 2 Yr. CAGR %	-27.74	-15.15	21.73	36.75	27.18
Normalized Net Income, 2 Yr. CAGR %	-11.76	-13.97	18.82	34.23	25.72
Diluted EPS Before Extra, 2 Yr. CAGR %	-27.74	-15.15	21.73	36.75	27.18
Dividend Per Share, 2 Yr. CAGR %	-36.75	-10.56	65.83	29.9	25.53
Gross Loans, 2 Yr. CAGR %	-2.59	3.04	12.19	9.48	8.07
Allowance For Loan Losses, 2 Yr. CAGR %	22.61	-4.33	-1.32	3.41	-11.52
Net Loans, 2 Yr. CAGR %	-3.22	3.24	12.64	9.63	8.56
Non Performing Loans, 2 Yr. CAGR %	64.75	-6.34	-19.25	2.48	-11.63
Non Performing Assets, 2 Yr. CAGR %	57.91	-6.66	-3.75	18.52	-13.37
Total Assets, 2 Yr. CAGR %	0.57	2.44	8.57	7.07	8.06
Total Deposits, 2 Yr CAGR %	-1.56	1.61	8.79	8.77	9.26
Tangible Book Value, 2 Yr. CAGR %	5.89	4.82	4.28	6.19	8.58
Common Equity, 2 Yr. CAGR %	5.89	4.82	4.28	6.19	8.58
Total Equity, 2 Yr. CAGR %	5.87	4.8	4.26	6.19	8.58
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.63	-3	0.93	13.71	19.54
Non Interest Income, 3 Yr. CAGR %	-18.4	-8.65	0.78	12.71	10.59
Provision For Loan Losses, 3 Yr. CAGR %	3.73	1.06	-3.22	-19.45	-14.58
Total Revenues, 3 Yr. CAGR %	-4.36	-5.08	1.57	20.01	23.18
Earnings From Cont. Operations, 3 Yr. CAGR %	-11.98	-18.22	0.5	25.36	31.76
Net Income, 3 Yr. CAGR %	-11.87	-18.15	0.52	25.24	31.65
Normalized Net Income, 3 Yr. CAGR %	-5.18	-7.37	0.79	22.51	29.8
Diluted EPS Before Extra, 3 Yr. CAGR %	-11.87	-18.15	0.52	25.24	31.65
Dividend Per Share, 3 Yr. CAGR %	-	-7.17	3.23	50	29.4
Gross Loans, 3 Yr. CAGR %	0.17	1.61	6.52	9.84	9.96
Allowance For Loan Losses, 3 Yr. CAGR %	21.33	5.16	4.84	-6.13	-0.48
Net Loans, 3 Yr. CAGR %	-0.34	1.53	6.57	10.33	10.19
Non Performing Loans, 3 Yr. CAGR %	42.58	13.58	1.94	-17.23	-1.93
Non Performing Assets, 3 Yr. CAGR %	38.21	11.37	13.37	-8.02	7.87
Total Assets, 3 Yr. CAGR %	1.66	2.58	5.04	6.95	8.86
Total Deposits, 3 Yr CAGR %	0.1	1.45	4.28	7.77	10.12
Tangible Book Value, 3 Yr. CAGR %	6.86	5.45	4.53	5.66	7.02
Common Equity, 3 Yr. CAGR %	6.86	5.45	4.53	5.66	7.02
Total Equity, 3 Yr. CAGR %	5.9	5.44	4.51	5.65	7.02
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.94	2.56	4.2	6.9	7.6
Non Interest Income, 5 Yr. CAGR %	-13.41	-9.06	-7.8	-0.56	4.93
Provision For Loan Losses, 5 Yr. CAGR %	17.38	7.25	-5.19	-7.66	-7.85
Total Revenues, 5 Yr. CAGR %	-2.41	-1.42	2.88	7.35	9.04
Earnings From Cont. Operations, 5 Yr. CAGR %	-6.89	-5.37	0.22	0.52	10.45
Net Income, 5 Yr. CAGR %	-6.91	-5.27	0.29	0.51	10.44
Normalized Net Income, 5 Yr. CAGR %	-2.79	-1.59	3.78	7.44	10.11
Diluted EPS Before Extra, 5 Yr. CAGR %	-6.91	-5.27	0.29	0.51	10.44
Dividend Per Share, 5 Yr. CAGR %	-	5.92	-	6.19	11.63
Gross Loans, 5 Yr. CAGR %	-0.17	1.88	4.81	4.69	7.14
Allowance For Loan Losses, 5 Yr. CAGR %	7.82	2.76	11.71	4.45	-2.04
Net Loans, 5 Yr. CAGR %	-0.4	1.86	4.66	4.69	7.36
Non Performing Loans, 5 Yr. CAGR %	26.98	16.84	13.58	9.01	-3.72
Non Performing Assets, 5 Yr. CAGR %	25.23	15.7	19.59	14.17	1.81
Total Assets, 5 Yr. CAGR %	1.14	2.52	4.37	4.35	6.24
Total Deposits, 5 Yr CAGR %	-0.33	1.41	3.49	3.94	6.25
Tangible Book Value, 5 Yr. CAGR %	6.31	6	5.82	5.75	6.13
Common Equity, 5 Yr. CAGR %	6.31	6	5.82	5.75	6.13
Total Equity, 5 Yr. CAGR %	5.63	5.4	5.24	5.74	6.12