Below are the financial statements of Banque Saudi Fransi, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in millions of SAR | 2024 | 2023 |
|---|---|---|
| Special commission income | 16,371.97a | 13,218.03a |
| Special commission expense | -8,488.58a | -5,382.83a |
| Net special commission income | 7,883.38a | 7,835.2a |
| Fee and commission income | 1,650.7a | 1,491.78a |
| Fee and commission expense | -678.49a | -577.1a |
| Net fee and commission income | 972.21a | 914.68a |
| Exchange income, net | 482.1a | 455.22a |
| Trading income, net | 275.69a | 114.02a |
| Dividend income | 16.32a | 15.21a |
| Gains/(losses) on FVOCI/non-trading investments, net | 27.27a | -16.26a |
| Other operating income | 0.71a | 5.93a |
| Total operating income | 9,657.68a | 9,323.99a |
| Salaries and employee related expenses | -1,883.25a | -1,741.58a |
| Rent and premises related expenses | -74.73a | -67.46a |
| Depreciation and amortization | -299.21a | -250.66a |
| Other operating and general and administrative expenses | -1,151.49a | -962a |
| Total operating expenses before impairment charge | -3,408.69a | -3,021.71a |
| Impairment charge for expected credit losses on loans and advances, net | -1,143.9a | -1,668.82a |
| Impairment charge/(reversal) for investments, financial assets and others, net | 35.77a | -74.36a |
| Total operating expenses, net | -4,588.35a | -4,616.16a |
| Net income for the year before Zakat | 5,069.33a | 4,707.83a |
| Zakat for the year | -525.26a | -485.1a |
| Net income for the year | 4,544.07a | 4,222.73a |
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