Saudi National Bank

SAU:1180Financial ServicesTADAWUL:TBNItasi

SAR 36.98−1.60%At closeAt close · Mon 19 Oct · ≈ AED 36.22 · Market cap $58.75B · Next earnings Tue 20 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	—	—
Operating margin	58.9%	49.1%	62.4%	63.5%	62.8%	58.7%	58.7%	+0.0 pts
Net margin	52.1%	43.1%	54.5%	55.8%	56.3%	54.4%	60.6%	+6.2 pts
EBITDA margin	63.1%	55.2%	69.1%	69.8%	69.7%	61.3%	—	—
Return on equity	14.4%	7.8%	11.2%	11.4%	11.0%	12.3%	13.7%	+1.4 pts
Return on assets	1.9%	1.4%	2.0%	1.9%	1.9%	2.1%	2.3%	+0.2 pts
Return on capital employed	9.9%	5.9%	7.4%	5.8%	5.4%	5.6%	—	—
Debt / equity	0.0×	0.1×	0.1×	0.3×	0.5×	0.7×	0.7×	−0.3%
Debt / assets	0.6%	0.9%	1.6%	4.4%	8.7%	11.0%	—	—
Interest coverage	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—	—
Current ratio	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Cash ratio	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—	—
Dividend payout	31.5%	51.3%	48.2%	38.9%	51.0%	47.9%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.