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 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	5,172	5,116	4,966	4,071	3,070	2,177
Depreciation & Amortization	285.42	284.49	245.89	228.29	213.61	210.35
Gain (Loss) on Sale of Assets	13.64	15.55	-13.56	-20.8	-3.21	9.7
Gain (Loss) on Sale of Investments	-440.72	-463.54	-338.81	-287.07	-78.47	-208.98
Total Asset Writedown	-100	-100	119.16	322	-	3.99
Provision for Credit Losses	713.11	715.23	494.3	721.41	896.67	1,110
Change in Trading Asset Securities	-611.23	837.25	-781.67	1,159	-1,945	36.77
Change in Other Net Operating Assets	-17,318	-31,370	-11,779	-15,769	-15,927	-8,555
Other Operating Activities	-340.32	-339.5	134.15	-182.83	-165.45	-135.02
Operating Cash Flow	-12,649	-25,331	-7,098	-9,778	-14,010	-5,437
Capital Expenditures	-563.95	-638.32	-627.34	-379.1	-210.2	-80.56
Sale of Property, Plant and Equipment	22.79	2.39	31.97	22.36	3.8	3.83
Investment in Securities	-6,853	-5,878	-4,653	-5,024	196.39	326.72
Income (Loss) Equity Investments	-29.73	-27.4	-144.8	-19.51	-72.08	-84.92
Other Investing Activities	306.68	278.75	409.94	191.93	159.62	87.59
Investing Cash Flow	-7,087	-6,235	-4,839	-5,189	149.61	337.59
Short-Term Debt Issued	-	449.52	-	-	-	-
Total Debt Issued	449.52	449.52	-	-	-	-
Long-Term Debt Repaid	-	-100.43	-109.2	-62.32	-	-
Net Debt Issued (Repaid)	353.23	349.08	-109.2	-62.32	-	-
Issuance of Common Stock	4,418	7,768	-	-	-	-
Repurchase of Common Stock	-3,031	-3,031	-98.33	-	-	-
Common Dividends Paid	-2,338	-2,340	-2,162	-1,727	-1,366	-1,073
Net Increase (Decrease) in Deposit Accounts	12,402	27,063	16,356	10,990	19,157	6,362
Other Financing Activities	-448.75	-280.96	-93.54	-93.51	-93.55	-93.84
Financing Cash Flow	11,355	29,528	13,893	9,107	17,698	5,195
Net Cash Flow	-8,381	-2,038	1,956	-5,860	3,837	95.38
Free Cash Flow	-13,213	-25,970	-7,725	-10,158	-14,220	-5,517
Free Cash Flow Margin	-141.50%	-282.57%	-87.98%	-128.63%	-236.28%	-116.45%
Free Cash Flow Per Share	-6.64	-13.04	-3.86	-5.08	-7.11	-2.76

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