Bank Albilad (TADAWUL:1140)

Bank Albilad Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	3,085	3,049	2,807	2,369	2,082	1,687
Depreciation & Amortization	307.59	303.49	273.38	298.3	290.41	276.45
Gain (Loss) on Sale of Assets	-148.73	-148.62	-0.17	-0.27	-0.02	2.34
Gain (Loss) on Sale of Investments	-17.94	-11.19	3.72	-88.1	-10.71	23.05
Provision for Credit Losses	217.42	198.78	119.94	340.11	530.45	555.19
Change in Other Net Operating Assets	-18,203	-10,026	-4,745	-19,884	-7,990	-9,650
Other Operating Activities	213.7	211.5	289.19	261.06	191.61	139.67
Operating Cash Flow	-14,551	-6,441	-1,233	-16,696	-4,897	-6,958
Capital Expenditures	-522.88	-574.84	-453.33	-316.79	-317.02	-158.59
Sale of Property, Plant and Equipment	233.41	233.41	0.17	0.28	0.03	0.58
Investment in Securities	-6,121	-6,945	-3,940	-2,122	-2,729	-2,691
Investing Cash Flow	-6,410	-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)	2,340	2,336	-21.44	-184.09	-116.15	883.67
Repurchase of Common Stock	-203.86	-12.14	-62.37	-95.49	-	-
Common Dividends Paid	-675	-675	-1,125	-500	-	-
Net Increase (Decrease) in Deposit Accounts	16,276	11,103	8,945	17,988	13,732	9,558
Other Financing Activities	-368.62	-316.75	-251.84	-228.73	-119.52	-70.49
Financing Cash Flow	19,224	12,435	7,484	16,980	13,497	10,371
Net Cash Flow	-1,738	-1,292	1,858	-2,154	5,554	563.33
Free Cash Flow	-15,074	-7,016	-1,687	-17,013	-5,214	-7,117
Free Cash Flow Margin	-248.86%	-116.72%	-30.43%	-341.69%	-112.34%	-177.29%
Free Cash Flow Per Share	-10.11	-4.71	-1.13	-11.41	-3.49	-4.76
Cash Interest Paid	4,613	4,484	4,553	3,345	947.4	319.2

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