Riyad Bank Cash Flow Statement

Financials in millions SAR. Fiscal year is January - December.

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	10,027	9,322	8,046	7,019	6,025	4,715	Upgrade
Depreciation & Amortization	735.93	683.58	695.36	540.53	493.19	488.34	Upgrade
Gain (Loss) on Sale of Assets	10.19	-2.43	4.57	-20.83	-0.36	0.07	Upgrade
Gain (Loss) on Sale of Investments	-608.09	-705.61	-340.37	1.82	-447.64	-306.34	Upgrade
Provision for Credit Losses	1,419	1,605	1,834	1,031	860.85	1,987	Upgrade
Change in Trading Asset Securities	-1,065	-4,019	-768.69	-2,526	234.53	-993.82	Upgrade
Change in Other Net Operating Assets	-57,995	-44,419	-29,899	-31,998	-25,269	9,714	Upgrade
Other Operating Activities	19.6	116.86	-380.24	-457.99	-594.73	-451.25	Upgrade
Operating Cash Flow	-47,489	-37,450	-20,821	-26,330	-18,665	15,134	Upgrade
Capital Expenditures	-2,053	-1,772	-2,947	-1,297	-732.5	-442.1	Upgrade
Sale of Property, Plant and Equipment	69.8	41.28	88.28	175.19	6.97	11.56	Upgrade
Investment in Securities	-6,710	-8,708	-4,406	4,805	-1,850	-1,759	Upgrade
Income (Loss) Equity Investments	-33.89	-30.35	-12.27	80.24	32.5	-19.37	Upgrade
Investing Cash Flow	-8,693	-10,439	-7,265	3,683	-2,576	-2,190	Upgrade
Long-Term Debt Issued	-	-	4,606	-	3,033	5,681	Upgrade
Long-Term Debt Repaid	-	-251.53	-261.23	-	-	-4,000	Upgrade
Net Debt Issued (Repaid)	23,616	-251.53	4,344	-	3,033	1,681	Upgrade
Issuance of Common Stock	4,813	2,824	-	6,571	-	-	Upgrade
Repurchase of Common Stock	-196.55	-	-165.91	-	-	-	Upgrade
Common Dividends Paid	-5,232	-4,625	-3,878	-3,108	-2,989	-1,655	Upgrade
Net Increase (Decrease) in Deposit Accounts	31,838	51,516	14,901	28,329	8,639	8,521	Upgrade
Other Financing Activities	-454.24	-317.71	-310.42	-64.67	-	-	Upgrade
Financing Cash Flow	54,385	49,145	14,890	31,727	8,683	8,548	Upgrade
Net Cash Flow	-1,798	1,256	-13,196	9,079	-12,558	21,492	Upgrade
Free Cash Flow	-49,542	-39,222	-23,768	-27,628	-19,398	14,692	Upgrade
Free Cash Flow Margin	-297.92%	-250.59%	-170.66%	-224.27%	-181.03%	162.64%	Upgrade
Free Cash Flow Per Share	-16.55	-13.10	-7.93	-9.21	-6.47	4.90	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.