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

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