Bank Albilad Cash Flow Statement

Financials in millions SAR. Fiscal year is January - December.

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	3,049	2,807	2,369	2,082	1,687
Depreciation & Amortization	303.49	273.38	298.3	290.41	276.45
Gain (Loss) on Sale of Assets	-148.62	-0.17	-0.27	-0.02	2.34
Gain (Loss) on Sale of Investments	-11.19	3.72	-88.1	-10.71	23.05
Provision for Credit Losses	198.78	119.94	340.11	530.45	555.19
Change in Other Net Operating Assets	-10,026	-4,745	-19,884	-7,990	-9,650
Other Operating Activities	211.5	289.19	261.06	191.61	139.67
Operating Cash Flow	-6,441	-1,233	-16,696	-4,897	-6,958
Capital Expenditures	-574.84	-453.33	-316.79	-317.02	-158.59
Sale of Property, Plant and Equipment	233.41	0.17	0.28	0.03	0.58
Investment in Securities	-6,945	-3,940	-2,122	-2,729	-2,691
Investing Cash Flow	-7,286	-4,394	-2,439	-3,046	-2,849
Long-Term Debt Issued	2,438	100	-	-	2,061
Long-Term Debt Repaid	-101.72	-121.44	-184.09	-116.15	-1,177
Net Debt Issued (Repaid)	2,336	-21.44	-184.09	-116.15	883.67
Repurchase of Common Stock	-12.14	-62.37	-95.49	-	-
Common Dividends Paid	-675	-1,125	-500	-	-
Net Increase (Decrease) in Deposit Accounts	11,103	8,945	17,988	13,732	9,558
Other Financing Activities	-316.75	-251.84	-228.73	-119.52	-70.49
Financing Cash Flow	12,435	7,484	16,980	13,497	10,371
Net Cash Flow	-1,292	1,858	-2,154	5,554	563.33
Free Cash Flow	-7,016	-1,687	-17,013	-5,214	-7,117
Free Cash Flow Margin	-116.72%	-30.43%	-341.69%	-112.34%	-177.29%
Free Cash Flow Per Share	-4.71	-1.13	-11.41	-3.49	-4.76
Cash Interest Paid	4,484	4,553	3,345	947.4	319.2

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