The Saudi National Bank (TADAWUL:1180)

The Saudi National Bank 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	25,414	25,013	21,193	20,010	18,581	12,668
Depreciation & Amortization	1,908	1,944	2,177	1,761	1,999	1,564
Other Amortization	360.53	360.53	431.49	518.47	281.44	232.13
Gain (Loss) on Sale of Assets	28.35	25.26	81.8	-15	-88.07	14.4
Gain (Loss) on Sale of Investments	-906.36	-800.12	-350.3	-288.44	-246.33	-195.24
Provision for Credit Losses	424.98	1,034	1,019	922.75	1,685	3,961
Change in Trading Asset Securities	-8,829	-5,551	-9,707	-5,895	-9,868	2,292
Change in Other Net Operating Assets	-87,709	-77,993	-53,711	-21,438	-6,860	3,814
Other Operating Activities	3,330	3,177	2,688	3,285	3,005	1,786
Operating Cash Flow	-65,790	-52,600	-35,962	-997.84	8,681	26,408
Operating Cash Flow Growth	-	-	-	-	-67.13%	-
Capital Expenditures	-2,074	-2,067	-1,776	-1,787	-2,051	-1,743
Sale of Property, Plant and Equipment	34.4	48.99	71.58	157.89	304.69	434.95
Cash Acquisitions	-	-	-	-	-	24,639
Investment in Securities	-7,899	-19,497	-21,746	-7,530	-26,784	-23,796
Income (Loss) Equity Investments	-	-	-	-	-	122.01
Purchase / Sale of Intangibles	-79.6	-79.6	-135.9	-216.91	-20.45	-38.61
Investing Cash Flow	-10,018	-21,594	-23,586	-9,376	-28,550	-502.95
Long-Term Debt Issued	-	176,447	117,959	47,493	10,557	4,309
Long-Term Debt Repaid	-	-140,068	-65,616	-37,145	-3,606	-5,017
Net Debt Issued (Repaid)	37,449	36,379	52,343	10,348	6,951	-707.54
Issuance of Common Stock	8,165	2,665	6,000	1,000	3,300	4,688
Repurchase of Common Stock	-6,782	-6,782	-	-1,648	-	-2,700
Common Dividends Paid	-6,000	-12,000	-10,800	-7,787	-8,956	-6,493
Net Increase (Decrease) in Deposit Accounts	42,090	60,483	-6,166	30,195	-12,920	-8,338
Other Financing Activities	-969.94	-1,037	-764.08	-772.53	-567.92	-484.53
Financing Cash Flow	73,953	79,708	40,612	31,335	-12,194	-14,036
Foreign Exchange Rate Adjustments	-337.61	-433.51	-542.42	-639.96	-651.75	-887.89
Net Cash Flow	-2,193	5,080	-19,479	20,322	-32,715	10,981
Free Cash Flow	-67,864	-54,667	-37,738	-2,785	6,630	24,665
Free Cash Flow Growth	-	-	-	-	-73.12%	-
Free Cash Flow Margin	-174.87%	-143.26%	-107.78%	-8.27%	21.17%	101.61%
Free Cash Flow Per Share	-11.45	-9.19	-6.34	-0.47	1.11	4.53

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