Arab National 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	5,226	4,966	4,071	3,070	2,177	2,072
Depreciation & Amortization	274.54	245.89	228.29	213.61	210.35	220.27
Gain (Loss) on Sale of Assets	-84.46	-15.48	-20.8	-3.21	9.7	1.27
Gain (Loss) on Sale of Investments	-472.67	-338.81	-287.07	-78.47	-208.98	108.58
Total Asset Writedown	119.16	119.16	322	-	3.99	-
Provision for Credit Losses	621.19	494.3	721.41	896.67	1,110	1,434
Change in Trading Asset Securities	459.72	-781.67	1,159	-1,945	36.77	109.14
Change in Other Net Operating Assets	-28,551	-11,771	-15,769	-15,927	-8,555	10,560
Other Operating Activities	-80.27	192.89	-182.83	-165.45	-135.02	-417.39
Operating Cash Flow	-22,640	-7,033	-9,778	-14,010	-5,437	14,039
Operating Cash Flow Growth	-	-	-	-	-	153.94%
Capital Expenditures	-672.9	-627.34	-379.1	-210.2	-80.56	-75.82
Sale of Property, Plant and Equipment	28.01	33.89	22.36	3.8	3.83	0.08
Investment in Securities	-6,574	-4,653	-5,024	196.39	326.72	-6,990
Income (Loss) Equity Investments	-152.69	-144.8	-19.51	-72.08	-84.92	-49.56
Other Investing Activities	400.06	362.19	191.93	159.62	87.59	83.38
Investing Cash Flow	-6,819	-4,885	-5,189	149.61	337.59	-6,982
Long-Term Debt Issued	-	-	-	-	-	2,813
Long-Term Debt Repaid	-	-109.2	-62.32	-	-	-2,096
Net Debt Issued (Repaid)	-59.43	-109.2	-62.32	-	-	716.29
Repurchase of Common Stock	-218.04	-98.33	-	-	-	-
Common Dividends Paid	-2,340	-2,162	-1,727	-1,366	-1,073	-695.2
Net Increase (Decrease) in Deposit Accounts	29,826	16,337	10,990	19,157	6,362	-12,777
Other Financing Activities	-210.88	-93.54	-93.51	-93.55	-93.84	-64.68
Financing Cash Flow	33,560	13,874	9,107	17,698	5,195	-12,820
Net Cash Flow	4,101	1,956	-5,860	3,837	95.38	-5,763
Free Cash Flow	-23,313	-7,661	-10,158	-14,220	-5,517	13,963
Free Cash Flow Growth	-	-	-	-	-	156.23%
Free Cash Flow Margin	-251.50%	-86.51%	-128.63%	-236.28%	-116.45%	305.63%
Free Cash Flow Per Share	-11.69	-3.83	-5.08	-7.11	-2.76	6.98

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