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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	10,538	10,411	9,322	8,046	7,019	6,025
Depreciation & Amortization	767.27	737.86	683.58	695.36	540.53	493.19
Gain (Loss) on Sale of Assets	8.25	7.08	-2.43	4.57	-20.83	-0.36
Gain (Loss) on Sale of Investments	-1,054	-886.78	-705.61	-340.37	1.82	-447.64
Provision for Credit Losses	1,457	1,365	1,605	1,834	1,031	860.85
Change in Trading Asset Securities	-2,351	-1,114	-4,019	-768.69	-2,526	234.53
Change in Other Net Operating Assets	-50,609	-59,728	-48,138	-29,899	-31,998	-25,269
Other Operating Activities	137.6	56.09	116.86	-380.24	-457.99	-594.73
Operating Cash Flow	-41,141	-49,186	-41,169	-20,821	-26,330	-18,665
Capital Expenditures	-2,026	-1,978	-1,772	-2,947	-1,297	-732.5
Sale of Property, Plant and Equipment	21.08	28.45	41.28	88.28	175.19	6.97
Investment in Securities	-15,511	-7,374	-8,708	-4,406	4,805	-1,850
Income (Loss) Equity Investments	-35.26	-33.81	-30.35	-12.27	80.24	32.5
Investing Cash Flow	-17,516	-9,323	-10,439	-7,265	3,683	-2,576
Long-Term Debt Issued	-	40,552	-	4,606	-	3,033
Long-Term Debt Repaid	-	-6,089	-251.53	-261.23	-	-
Net Debt Issued (Repaid)	28,524	34,463	-251.53	4,344	-	3,033
Issuance of Common Stock	1,440	1,990	2,824	-	6,571	-
Repurchase of Common Stock	-206.63	-206.63	-	-165.91	-	-
Common Dividends Paid	-5,228	-5,228	-4,625	-3,878	-3,108	-2,989
Net Increase (Decrease) in Deposit Accounts	48,475	25,298	51,516	14,901	28,329	8,639
Other Financing Activities	-595.99	-565.22	-317.71	-310.42	-64.67	-
Financing Cash Flow	72,409	55,751	49,145	14,890	31,727	8,683
Net Cash Flow	13,753	-2,758	-2,463	-13,196	9,079	-12,558
Free Cash Flow	-43,166	-51,164	-42,941	-23,768	-27,628	-19,398
Free Cash Flow Margin	-250.91%	-300.84%	-274.35%	-170.66%	-224.27%	-181.03%
Free Cash Flow Per Share	-10.83	-12.83	-10.75	-5.95	-6.91	-4.85

Source: S&P Global Market Intelligence. Banks template. Financial Sources.