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

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