Financial Ratios Arab National Bank

Equities

1080

SA0007879105

Banks

Delayed Saudi Arabian S.E. Other stock markets 10:25:51 12/04/2026 BST			5-day change	1st Jan Change
21.88 ^SAR	+0.14%		+1.34%	+1.16%

03-13	Fitch Maintains Arab National Bank's Rating on Favorable Operating Environment, Profitable Retail Business	MT
03-05	HSBC Upgrades Arab National Bank to Buy Rating	MT

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Published financial data: ARAB NATIONAL BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	5.17B	7.66B	12.48B	14.45B	15.21B
Interest Income On Investments	87.59M	160M	143M	158M	270M
Interest Income, Total	5.26B	7.82B	12.62B	14.61B	15.47B
Interest On Deposits	500M	2.02B	5.34B	6.48B	7.11B
Interest Expense, Total	500M	2.02B	5.34B	6.48B	7.11B
Net Interest Income	4.76B	5.8B	7.28B	8.13B	8.37B
Income From Trading Activities	13.42M	39.36M	26.94M	59.27M	81.15M
Gain (Loss) on Sale of Assets	-171K	2.65M	20.8M	15.48M	-15.55M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	241M	88.8M	187M	181M	212M
Total Other Non Interest Income	754M	971M	1.05B	1.11B	1.24B
Non Interest Income, Total	1.01B	1.1B	1.29B	1.37B	1.52B
Revenues Before Provison For Loan Losses	5.77B	6.9B	8.57B	9.5B	9.88B
Provision For Loan Losses	1.03B	880M	670M	645M	693M
Total Revenues	4.74B	6.02B	7.9B	8.86B	9.19B
Salaries And Other Employee Benefits	1.25B	1.38B	1.55B	1.8B	2.01B
Occupancy Expense	210M	214M	228M	246M	261M
Selling General & Admin Expenses, Total	736M	864M	1.07B	1.08B	1.06B
(Income) Loss on Real Estate Property	-	-	322M	119M	-100M
(Income) Loss on Equity Invest.	-84.92M	-72.08M	-19.51M	-145M	-27.4M
Non Interest Expense, Total	2.12B	2.39B	3.15B	3.1B	3.21B
EBT, Excl. Unusual Items	2.62B	3.63B	4.75B	5.75B	5.98B
EBT, Incl. Unusual Items	2.62B	3.63B	4.75B	5.75B	5.98B
Income Tax Expense	450M	566M	671M	786M	870M
Earnings From Continuing Operations	2.17B	3.07B	4.08B	4.97B	5.11B
Earnings Of Discontinued Operations	-	-	-	-	5.96M
Net Income to Company	2.17B	3.07B	4.08B	4.97B	5.12B
Minority Interest	5.17M	3.35M	-5.13M	-1.32M	-746K
Net Income - (IS)	2.18B	3.07B	4.07B	4.97B	5.12B
Preferred Dividend and Other Adjustments	-	-	-	-	187M
Net Income to Common Incl Extra Items	2.18B	3.07B	4.07B	4.97B	4.93B
Net Income to Common Excl. Extra Items	2.18B	3.07B	4.07B	4.97B	4.92B
Per Share Items
Net EPS - Basic	1.09	1.54	2.04	2.48	2.47
Basic EPS - Continuing Operations	1.09	1.54	2.04	2.48	2.47
Basic Weighted Average Shares Outstanding	2B	2B	2B	2B	1.99B
Net EPS - Diluted	1.09	1.54	2.04	2.48	2.47
Diluted EPS - Continuing Operations	1.09	1.54	2.04	2.48	2.47
Diluted Weighted Average Shares Outstanding	2B	2B	2B	2B	1.99B
Normalized Basic EPS	0.82	1.14	1.48	1.8	1.88
Normalized Diluted EPS	0.82	1.14	1.48	1.8	1.88
Dividend Per Share	0.6	0.82	1.01	1.3	1.3
Payout Ratio	49.31	44.49	42.43	43.53	45.73
Supplemental Items
Effective Tax Rate - (Ratio)	17.17	15.57	14.14	13.65	14.54
Total Current Taxes	211M	296M	330M	420M	-
Total Deferred Taxes	-3.97M	-5.67M	-39.57M	-29.76M	-
Normalized Net Income	1.64B	2.27B	2.96B	3.59B	3.74B
Non-Cash Pension Expense	12.1M	16.58M	27.18M	30.2M	32.48M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	3.55B	7.26B	3.52B	5.06B	3.62B
Investment Securities, Total	48.02B	44.72B	47.98B	53.79B	60.94B
Trading Asset Securities, Total	967M	2.96B	1.8B	2.29B	2.07B
Total investments	48.99B	47.68B	49.79B	56.09B	63.01B
Gross Loans	130B	148B	156B	173B	198B
Allowance For Loan Losses	-3.11B	-3.92B	-3.33B	-3.07B	-3.14B
Net Loans	127B	144B	152B	169B	195B
Gross Property Plant And Equipment	5.21B	5.4B	5.54B	6.24B	6.42B
Accumulated Depreciation	-3.01B	-3.17B	-3.05B	-3.26B	-3.12B
Net Property Plant And Equipment	2.21B	2.23B	2.5B	2.98B	3.3B
Investment in Real Estate	-	-	-	-	-
Accrued Interest Receivable	-	72.94M	71.87M	122M	174M
Other Receivables	-	240M	276M	585M	102M
Restricted Cash	7.18B	8.5B	9.49B	10.58B	11.86B
Other Current Assets, Total	2.81B	760M	823M	1.17B	1.79B
Other Real Estate Owned And Foreclosed	179M	1.32B	1.03B	909M	228M
Other Long-Term Assets, Total	919M	739M	954M	1.33B	2B
Total Assets	193B	213B	221B	248B	281B
Liabilities
Accrued Expenses, Total	569M	623M	758M	877M	767M
Interest Bearing Deposits	72.83B	89.36B	91.57B	104B	124B
Non-Interest Bearing Deposits	77.09B	75.33B	82.63B	92.89B	96.9B
Total Deposits	150B	165B	174B	197B	221B
Short-Term Borrowings	2.22B	5.86B	1.5B	1.6B	1.33B
Current Portion of Long-Term Debt	-	16.6M	-	-	-
Long-Term Debt	2.83B	2.81B	2.83B	2.83B	452M
Long-Term Leases	920M	874M	919M	966M	1.05B
Current Income Taxes Payable	554M	495M	450M	630M	520M
Other Current Liabilities - (Bank / Utility Template)	-	-	661M	1.24B	1.05B
Pension & Other Post Retirement Benefits	541M	567M	552M	595M	602M
Other Non Current Liabilities	3.82B	4.34B	3.72B	4.84B	4.86B
Total Liabilities	161B	180B	186B	210B	232B
Common Stock, Total	15B	15B	15B	20B	20B
Retained Earnings	15.56B	17.28B	19.63B	18.11B	20.62B
Treasury Stock	-	-	-	-98.33M	-316M
Comprehensive Income and Other	543M	58.5M	437M	111M	9.18B
Total Common Equity	31.1B	32.33B	35.07B	38.12B	49.48B
Minority Interest	26.64M	23.29M	28.42M	29.75M	30.49M
Total Equity	31.13B	32.36B	35.1B	38.15B	49.51B
Total Liabilities And Equity	193B	213B	221B	248B	281B
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	15.55	16.17	17.53	19.06	20.86
Tangible Book Value	31.1B	32.33B	35.07B	38.12B	49.48B
Tangible Book Value Per Share	15.55	16.17	17.53	19.06	20.86
Total Debt	5.97B	9.57B	5.25B	5.39B	2.83B
Deposits at Interest - Cash	4.99B	8.77B	2.84B	4.42B	2.36B
Debt Equivalent of Unfunded Proj. Benefit Obligation	541M	567M	552M	595M	602M
Net Debt	-1.25B	-3.38B	-435M	-2.52B	-2.88B
Equity Method Investments, Total	1.16B	979M	949M	890M	908M
Full Time Employees	4.06K	4.03K	4.21K	4.47K	4.4K
Number Of Offices	132	128	128	123	122

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	2.18B	3.07B	4.07B	4.97B	5.12B
Depreciation, Depletion & Amortization	210M	214M	228M	246M	284M
Total Depreciation, Depletion & Amortization	210M	214M	228M	246M	284M
(Gain) Loss On Sale of Asset - (CF)	9.7M	-3.21M	-20.8M	-15.48M	15.55M
(Gain) Loss on Sale of Investments - (CF)	-205M	-93.57M	-185M	-339M	-464M
Total Asset Writedown	-	10.34M	322M	119M	-100M
Provision for Credit Losses	1.11B	897M	721M	494M	715M
(Income) Loss On Equity Investments - (CF)	-84.92M	-72.08M	-19.51M	-145M	-27.4M
Change in Trading Asset Securities	36.77M	-1.94B	1.16B	-782M	837M
Change in Other Net Operating Assets (Collected)	-8.47B	-15.93B	-15.83B	-11.77B	-31.37B
Other Operating Activities	-135M	-161M	-284M	193M	-339M
Cash from Operations	-5.35B	-14.01B	-9.84B	-7.03B	-25.33B
Capital Expenditure	-80.56M	-210M	-391M	-627M	-638M
Sale of Property, Plant, and Equipment	3.83M	3.8M	34.52M	33.88M	2.38M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	327M	196M	-4.98B	-4.65B	-5.88B
Other Investing Activities, Total	87.59M	160M	143M	362M	279M
Cash from Investing	338M	150M	-5.19B	-4.88B	-6.23B
Short Term Debt Issued, Total	-	-	-	-	450M
Long-Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	-	-	-	450M
Long-Term Debt Repaid, Total	-89.57M	-	-	-109M	-100M
Total Debt Repaid	-89.57M	-	-	-109M	-100M
Issuance of Common Stock	-	-	-	-	7.77B
Repurchase of Common Stock	-	-	-	-98.33M	-3.03B
Common Dividends Paid	-1.07B	-1.37B	-1.73B	-2.16B	-2.34B
Common & Preferred Stock Dividends Paid	-1.07B	-1.37B	-1.73B	-2.16B	-2.34B
Net Increase (Decrease) in Deposit Accounts - (CF)	6.36B	19.16B	10.99B	16.34B	27.06B
Other Financing Activities, Total	-93.84M	-93.55M	-93.51M	-93.54M	-281M
Cash from Financing	5.11B	17.7B	9.17B	13.87B	29.53B
Net Change in Cash	95.38M	3.84B	-5.86B	1.96B	-2.04B
Supplemental Items
Net Debt Issued / Repaid	-89.57M	-	-	-109M	349M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.16	1.51	1.88	2.11	1.93
Return On Equity %	7.13	9.66	12.08	13.43	11.59
Return on Common Equity	7.16	9.68	12.08	13.44	11.17
Shareholders Value Added	-1.47B	-736M	26.28M	532M	-172M
Margin Analysis
SG&A Margin	46.46	40.84	36.06	35.32	36.31
Net Interest Income / Total Revenues %	100.46	96.3	92.19	91.81	91.04
EBT Excl. Non-Recurring Items Margin %	55.33	60.36	60.11	64.97	65.07
Income From Continuing Operations Margin %	45.83	50.96	51.61	56.1	55.61
Net Income Margin %	45.94	51.02	51.55	56.08	55.67
Net Avail. For Common Margin %	45.94	51.02	51.55	56.08	53.56
Normalized Net Income Margin	34.69	37.78	37.5	40.59	40.66
Asset quality
Nonperforming Loans / Total Loans %	1.69	1.79	1.48	1.2	0.94
Nonperforming Loans / Total Assets %	1.14	1.24	1.04	0.83	0.66
Nonperforming Assets / Total Assets %	1.23	1.86	1.51	1.2	0.74
NPAs / Loans and OREO	1.82	2.66	2.13	1.72	1.05
NPAs / Equity	7.62	12.25	9.49	7.8	4.22
Allowance for Credit Losses / Net Charge-offs %	154.03	4.34K	270.46	406.71	490.69
Allowance for Credit Losses / Nonperforming Loans %	142.06	148.09	144.63	148.48	168.67
Allowance for Credit Losses / Total Loans %	2.4	2.65	2.14	1.78	1.58
Provision for Loan Losses / Net Charge-offs %	50.98	974.12	54.44	85.46	108.12
Capital And Funding
Total Average Common Equity / Total Average Assets %	16.31	15.66	15.56	15.73	16.62
Total Average Equity / Total Average Assets %	16.33	15.67	15.57	15.74	16.63
Total Equity + Allowance for Loan Losses / Total Loans %	26.36	24.54	24.68	23.87	26.52
Gross Loans / Total Deposits %	86.57	89.72	89.3	87.78	89.7
Net Loans / Total Deposits %	84.49	87.34	87.39	86.22	88.28
Tier 1 Capital Ratio %	18.9	17.6	18.82	17.18	19.51
Total Capital Ratio %	21.35	19.78	20.86	18.94	20.02
Core Tier 1 Capital Ratio	-	-	18.82	17.18	16.44
Tier 2 Capital Ratio	2.45	2.18	2.04	1.76	0.51
Coverage Ratio	140.42	143.65	140.34	144.45	162.21
Interbank Ratio	200.24	613.16	535.92	275.87	141.29
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	6.25	2.8	1.89	1.89	1.84
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.89	21.78	25.6	9.83	2.89
Non Interest Income, 1 Yr. Growth %	12.25	8.82	16.76	17.59	17.27
Provision For Loan Losses, 1 Yr. Growth %	-19.63	-14.95	-23.83	-3.78	7.42
Total Revenues, 1 Yr. Growth %	3.71	27.02	31.21	12.13	4.67
Earnings From Cont. Operations, 1 Yr. Growth %	4.95	41.25	32.88	21.88	3.11
Net Income, 1 Yr. Growth %	5.04	41.06	32.57	22	3.02
Normalized Net Income, 1 Yr. Growth %	2.06	38.34	30.24	21.36	4.23
Diluted EPS Before Extra, 1 Yr. Growth %	5.04	41.06	32.57	22	-0.28
Dividend Per Share, 1 Yr. Growth %	100	37.5	22.73	28.4	0
Gross Loans, 1 Yr. Growth %	10.56	13.84	5.29	10.93	15
Allowance For Loan Losses, 1 Yr. Growth %	-22.65	25.9	-15.07	-7.82	2.43
Net Loans, 1 Yr. Growth %	11.74	13.54	5.84	11.34	15.22
Non Performing Loans, 1 Yr. Growth %	-46.01	20.78	-13.04	-10.21	-9.83
Non Performing Assets, 1 Yr. Growth %	-44.61	67.25	-16.02	-10.63	-29.71
Total Assets, 1 Yr. Growth %	6.71	10.46	3.79	12.14	13.08
Total Deposits, 1 Yr Growth %	7.74	11.86	5.78	12.85	12.51
Tangible Book Value, 1 Yr. Growth %	4.6	3.97	8.46	6.54	28.02
Common Equity, 1 Yr. Growth %	4.6	3.97	8.46	6.54	28.02
Total Equity, 1 Yr. Growth %	4.57	3.95	8.47	6.54	28
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-8.12	8.19	23.68	18.43	6.32
Non Interest Income, 2 Yr. CAGR %	-3.21	10.74	12.72	11.49	14.08
Provision For Loan Losses, 2 Yr. CAGR %	3.04	-17.16	-19.51	-14.39	1.66
Total Revenues, 2 Yr. CAGR %	-9.18	14.78	29.1	21.3	7.88
Earnings From Cont. Operations, 2 Yr. CAGR %	-15.23	21.75	37	27.26	11.98
Net Income, 2 Yr. CAGR %	-15.15	21.73	36.75	27.18	12.11
Normalized Net Income, 2 Yr. CAGR %	-13.97	18.82	34.23	25.72	12.33
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.15	21.73	36.75	27.18	10.19
Dividend Per Share, 2 Yr. CAGR %	-10.56	65.83	29.9	25.53	13.31
Gross Loans, 2 Yr. CAGR %	3.04	12.19	9.48	8.07	12.94
Allowance For Loan Losses, 2 Yr. CAGR %	-4.33	-1.32	3.41	-11.52	-2.83
Net Loans, 2 Yr. CAGR %	3.24	12.64	9.63	8.56	13.26
Non Performing Loans, 2 Yr. CAGR %	-6.34	-19.25	2.48	-11.63	-10.02
Non Performing Assets, 2 Yr. CAGR %	-6.66	-3.75	18.52	-13.37	-20.74
Total Assets, 2 Yr. CAGR %	2.44	8.57	7.07	8.06	12.73
Total Deposits, 2 Yr CAGR %	1.61	8.79	8.77	9.26	12.7
Tangible Book Value, 2 Yr. CAGR %	4.82	4.28	6.19	8.58	17.6
Common Equity, 2 Yr. CAGR %	4.82	4.28	6.19	8.58	17.6
Total Equity, 2 Yr. CAGR %	4.8	4.26	6.19	8.58	17.59
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3	0.93	13.71	19.54	13.02
Non Interest Income, 3 Yr. CAGR %	-8.65	0.78	12.71	10.59	11.22
Provision For Loan Losses, 3 Yr. CAGR %	1.06	-3.22	-19.45	-14.58	-7.66
Total Revenues, 3 Yr. CAGR %	-5.08	1.57	20.01	23.18	15.16
Earnings From Cont. Operations, 3 Yr. CAGR %	-18.22	0.5	25.36	31.76	18.56
Net Income, 3 Yr. CAGR %	-18.15	0.52	25.24	31.65	18.55
Normalized Net Income, 3 Yr. CAGR %	-7.37	0.79	22.51	29.8	18.01
Diluted EPS Before Extra, 3 Yr. CAGR %	-18.15	0.52	25.24	31.65	17.19
Dividend Per Share, 3 Yr. CAGR %	-7.17	3.23	50	29.4	16.37
Gross Loans, 3 Yr. CAGR %	1.61	6.52	9.84	9.96	10.33
Allowance For Loan Losses, 3 Yr. CAGR %	5.16	4.84	-6.13	-0.48	-7.09
Net Loans, 3 Yr. CAGR %	1.53	6.57	10.33	10.19	10.74
Non Performing Loans, 3 Yr. CAGR %	13.58	1.94	-17.23	-1.93	-11.04
Non Performing Assets, 3 Yr. CAGR %	11.37	13.37	-8.02	7.87	-19.2
Total Assets, 3 Yr. CAGR %	2.58	5.04	6.95	8.86	9.79
Total Deposits, 3 Yr CAGR %	1.45	4.28	7.77	10.12	10.34
Tangible Book Value, 3 Yr. CAGR %	5.45	4.53	5.66	7.02	15.24
Common Equity, 3 Yr. CAGR %	5.45	4.53	5.66	7.02	15.24
Total Equity, 3 Yr. CAGR %	5.44	4.51	5.65	7.02	15.23
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.56	4.2	6.9	7.6	11.06
Non Interest Income, 5 Yr. CAGR %	-9.06	-7.8	-0.56	4.93	11.02
Provision For Loan Losses, 5 Yr. CAGR %	7.25	-5.19	-7.66	-7.85	-11.59
Total Revenues, 5 Yr. CAGR %	-1.42	2.88	7.35	9.04	15
Earnings From Cont. Operations, 5 Yr. CAGR %	-5.37	0.22	0.52	10.45	19.83
Net Income, 5 Yr. CAGR %	-5.27	0.29	0.51	10.44	19.81
Normalized Net Income, 5 Yr. CAGR %	-1.59	3.78	7.44	10.11	18.34
Diluted EPS Before Extra, 5 Yr. CAGR %	-5.27	0.29	0.51	10.44	18.99
Dividend Per Share, 5 Yr. CAGR %	5.92	-	6.19	11.63	34.08
Gross Loans, 5 Yr. CAGR %	1.88	4.81	4.69	7.14	11.07
Allowance For Loan Losses, 5 Yr. CAGR %	2.76	11.71	4.45	-2.04	-4.82
Net Loans, 5 Yr. CAGR %	1.86	4.66	4.69	7.36	11.49
Non Performing Loans, 5 Yr. CAGR %	16.84	13.58	9.01	-3.72	-14.42
Non Performing Assets, 5 Yr. CAGR %	15.7	19.59	14.17	1.81	-13.34
Total Assets, 5 Yr. CAGR %	2.52	4.37	4.35	6.24	9.3
Total Deposits, 5 Yr CAGR %	1.41	3.49	3.94	6.25	9.72
Tangible Book Value, 5 Yr. CAGR %	6	5.82	5.75	6.13	10.72
Common Equity, 5 Yr. CAGR %	6	5.82	5.75	6.13	10.72
Total Equity, 5 Yr. CAGR %	5.4	5.24	5.74	6.12	10.71