Financials Arab National Bank

Equities

Market Closed - Saudi Arabian S.E. Other stock markets 13:20:00 16/07/2025 BST			5-day change	1st Jan Change
21.15 ^SAR	-0.24%		-3.60%	+0.33%

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

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	5,824	5,765	6,862	8,567	9,500	10,205	10,899	11,650
Change	-	-1.02%	19.03%	24.84%	10.89%	7.42%	6.8%	6.89%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	3,778	3,563	4,405	5,719	6,372	6,956	7,383	7,996
Change	-	-5.68%	23.61%	29.85%	11.41%	9.17%	6.13%	8.31%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	2,572	2,622	3,633	4,747	5,753	6,107	6,309	6,761
Change	-	1.96%	38.55%	30.66%	21.2%	6.16%	3.3%	7.17%
Net income ¹	2,072	2,177	3,070	4,071	4,966	5,174	5,330	5,700
Change	-	5.06%	41.04%	32.57%	22%	4.19%	3.02%	6.93%
Announcement Date	25/02/21	24/02/22	23/02/23	14/02/24	05/02/25	-	-	-

¹SAR in Million

Estimates

Fiscal Period: December	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4
Net sales ¹	1,470	1,464	1,401	1,556	1,381	1,479	1,348	1,454	1,674	1,815	1,919	2,180	2,088	2,202	2,096	2,309	2,335	2,409	2,447	2,531	2,439	2,600	2,753
Change	-	-0.4%	-4.29%	11.08%	-11.25%	7.1%	-8.86%	7.88%	15.06%	8.47%	5.69%	13.62%	-4.23%	5.47%	-4.8%	10.14%	1.13%	3.17%	1.58%	3.43%	-3.65%	6.61%	5.9%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	942.3	958.1	933.3	1,021	847.8	928.4	766.3	879.9	1,099	1,220	1,206	1,521	1,414	1,479	1,305	1,579	1,598	1,620	1,575	1,730	1,655	-	-
Change	-	1.67%	-2.59%	9.37%	-16.95%	9.51%	-17.46%	14.82%	24.93%	10.96%	-1.15%	26.18%	-7.04%	4.58%	-11.79%	21.04%	1.2%	1.38%	-2.78%	9.84%	-4.34%	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-	-	420.7	708.4	577	764.6	572.3	-	838.6	1,068	953.2	1,233	1,163	1,246	1,105	1,417	1,439	1,462	1,435	1,530	1,449	-	-
Change	-	-	-	68.37%	-18.54%	32.51%	-25.15%	-	-	27.37%	-10.75%	29.35%	-5.69%	7.15%	-11.32%	28.24%	1.55%	1.6%	-1.85%	6.62%	-5.29%	-	-
Net income ¹	484.3	668.6	273.9	582.2	472.8	665.4	456.8	650.7	707.7	921.1	790.9	1,068	986	1,076	940.7	1,236	1,231	1,243	1,256	1,304	1,272	-	-
Change	-	38.04%	-59.04%	112.59%	-18.8%	40.74%	-31.35%	42.46%	8.76%	30.16%	-14.14%	35.04%	-7.68%	9.13%	-12.57%	31.39%	-0.4%	0.97%	1.05%	3.82%	-2.43%	-	-
Announcement Date	11/08/20	11/11/20	25/02/21	06/05/21	04/08/21	25/10/21	24/02/22	26/04/22	04/08/22	01/11/22	23/02/23	27/04/23	30/07/23	22/10/23	14/02/24	28/04/24	05/08/24	22/10/24	05/02/25	27/04/25	-	-	-

¹SAR in Million

Estimates

¹SAR in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	25/02/21	24/02/22	23/02/23	14/02/24	05/02/25	-	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	78.88	75.82	80.56	210.2	391.3	627.3
Change	-	-3.88%	6.25%	160.93%	86.14%	60.34%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	01/03/20	04/03/21	03/03/22	23/02/23	14/02/24	16/02/25

¹SAR in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	64.86%	61.81%	64.19%	66.76%	67.07%	68.17%	67.74%	68.64%
EBT Margin (%)	-	44.15%	45.48%	52.94%	55.41%	60.56%	59.84%	57.88%	58.04%
Net margin (%)	-	35.58%	37.76%	44.74%	47.51%	52.27%	50.7%	48.91%	48.92%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	1.14%	1.17%	1.52%	1.88%	2.11%	1.99%	1.87%	1.8%
ROE	-	7.14%	7.16%	9.68%	12.08%	13.44%	12.8%	12.46%	12.3%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.75	0.6	-	1.012	1.3	1.337	1.378	1.414
Change	-	-	-20%	-	-	28.4%	2.83%	3.08%	2.6%
Book Value Per Share ¹	-	14.87	15.55	16.17	17.53	19.06	20.67	22.06	23.5
Change	-	-	4.6%	3.97%	8.46%	8.7%	8.46%	6.71%	6.53%
EPS ¹	-	1.035	1.088	1.538	2.032	2.48	2.519	2.605	2.734
Change	-	-	5.07%	41.38%	32.2%	22.02%	1.55%	3.42%	4.98%
Nbr of stocks (in thousands)	-	2,000,000	2,000,000	2,000,000	2,000,000	2,000,000	2,000,000	2,000,000	2,000,000
Announcement Date	-	25/02/21	24/02/22	23/02/23	14/02/24	05/02/25	-	-	-