The Saudi Investment 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	2,448	2,431	1,957	1,762	1,508	1,062
Depreciation & Amortization	89.9	92.74	102.68	96.57	94.54	98.63
Other Amortization	92.05	92.05	74.15	86.89	60.45	59.61
Gain (Loss) on Sale of Assets	-	-	-0.06	-0	-0.01	-14.52
Gain (Loss) on Sale of Investments	-171.65	-186.43	-158.37	-77.96	52.23	122.66
Provision for Credit Losses	351.08	354.86	289.95	358.66	191.57	271.07
Change in Trading Asset Securities	-17.44	-95.86	158.94	-102.45	-480.99	352.27
Change in Other Net Operating Assets	-22,471	-16,852	-8,487	-5,828	-12,010	-1,476
Other Operating Activities	118.77	69.34	-77.23	-151.62	-191.61	-359.8
Operating Cash Flow	-19,675	-14,219	-6,256	-3,934	-10,846	61.21
Operating Cash Flow Growth	-	-	-	-	-	-99.41%
Capital Expenditures	-328.74	-362.29	-382.65	-218.43	-453.38	-60.26
Sale of Property, Plant and Equipment	-	-	0.06	0	-	0.03
Investment in Securities	-6,374	-6,077	-7,996	-3,692	-1,149	1,331
Income (Loss) Equity Investments	-113.96	-124.68	-116.28	-77.25	-70.86	-54.81
Purchase / Sale of Intangibles	-	-	-	-	-	-121.53
Other Investing Activities	64.03	64.03	56.3	32.86	31.57	18.01
Investing Cash Flow	-6,639	-6,375	-8,322	-3,877	-1,571	1,167
Long-Term Debt Issued	-	2,790	-	-	-	-
Total Debt Issued	3,358	2,790	-	-	-	-
Long-Term Debt Repaid	-	-20.42	-28.27	-10.99	-30.09	-2,000
Total Debt Repaid	-29.96	-20.42	-28.27	-10.99	-30.09	-2,000
Net Debt Issued (Repaid)	3,328	2,769	-28.27	-10.99	-30.09	-2,000
Issuance of Common Stock	-	-	2,813	500	2,000	1,019
Repurchase of Common Stock	-13.3	-	-249.98	-1,000	-285	-500
Common Dividends Paid	-498.93	-997.86	-899.53	-850	-825	-270
Net Increase (Decrease) in Deposit Accounts	21,269	15,606	10,780	13,655	7,817	1,405
Other Financing Activities	-365.69	-334.73	-169.56	-167.43	-142.47	-110.7
Financing Cash Flow	23,719	17,043	12,245	12,126	8,534	-456.45
Net Cash Flow	-2,595	-3,552	-2,334	4,315	-3,883	772.12
Free Cash Flow	-20,003	-14,581	-6,639	-4,152	-11,300	0.95
Free Cash Flow Growth	-	-	-	-	-	-99.99%
Free Cash Flow Margin	-449.58%	-328.45%	-170.75%	-115.09%	-366.13%	0.04%
Free Cash Flow Per Share	-16.03	-11.69	-5.32	-3.32	-9.04	0.00
Cash Interest Paid	10.12	10.12	10.38	13.28	12.6	-

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