The Saudi National Bank Cash Flow Statement

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

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	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	21,193	20,010	18,581	12,668	11,440	Upgrade
Depreciation & Amortization	2,177	1,761	1,999	1,564	715.98	Upgrade
Other Amortization	431.49	518.47	281.44	232.13	184.54	Upgrade
Gain (Loss) on Sale of Assets	81.8	-15	-88.07	14.4	64.45	Upgrade
Gain (Loss) on Sale of Investments	-353.29	-288.44	-246.33	-195.24	-719.07	Upgrade
Provision for Credit Losses	1,024	922.75	1,685	3,961	1,951	Upgrade
Change in Trading Asset Securities	-9,707	-5,895	-9,868	2,292	-2,961	Upgrade
Change in Other Net Operating Assets	-53,713	-21,438	-6,860	3,814	-59,862	Upgrade
Other Operating Activities	2,688	3,285	3,005	1,786	1,493	Upgrade
Operating Cash Flow	-35,962	-997.84	8,681	26,408	-47,571	Upgrade
Operating Cash Flow Growth	-	-	-67.13%	-	-	Upgrade
Capital Expenditures	-1,776	-1,787	-2,051	-1,743	-1,069	Upgrade
Sale of Property, Plant and Equipment	71.58	157.89	304.69	434.95	19.81	Upgrade
Cash Acquisitions	-	-	-	24,639	-	Upgrade
Investment in Securities	-21,746	-7,530	-26,784	-23,796	-9,575	Upgrade
Income (Loss) Equity Investments	-	-	-	122.01	-3.13	Upgrade
Purchase / Sale of Intangibles	-135.9	-216.91	-20.45	-38.61	-39.33	Upgrade
Investing Cash Flow	-23,586	-9,376	-28,550	-502.95	-10,664	Upgrade
Long-Term Debt Issued	117,959	47,493	10,557	4,309	4,759	Upgrade
Long-Term Debt Repaid	-65,616	-37,145	-3,606	-5,017	-3,817	Upgrade
Net Debt Issued (Repaid)	52,343	10,348	6,951	-707.54	941.66	Upgrade
Issuance of Common Stock	6,000	1,000	3,300	4,688	4,200	Upgrade
Repurchase of Common Stock	-	-1,648	-	-2,700	-1,146	Upgrade
Common Dividends Paid	-10,800	-7,787	-8,956	-6,493	-3,600	Upgrade
Net Increase (Decrease) in Deposit Accounts	-6,166	30,195	-12,920	-8,338	68,127	Upgrade
Other Financing Activities	-764.08	-772.53	-567.92	-484.53	-438.1	Upgrade
Financing Cash Flow	40,612	31,335	-12,194	-14,036	68,084	Upgrade
Foreign Exchange Rate Adjustments	-542.42	-639.96	-651.75	-887.89	-632.12	Upgrade
Net Cash Flow	-19,479	20,322	-32,715	10,981	9,217	Upgrade
Free Cash Flow	-37,738	-2,785	6,630	24,665	-48,640	Upgrade
Free Cash Flow Growth	-	-	-73.12%	-	-	Upgrade
Free Cash Flow Margin	-107.78%	-8.27%	21.17%	101.61%	-249.35%	Upgrade
Free Cash Flow Per Share	-6.34	-0.47	1.11	4.53	-12.18	Upgrade

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