SAIB

Saudi Investment Bank

1030StocksTadawulBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-14.22B	-6.26B	-3.93B	-10.85B	0.06B
Free Cash Flow	-14.58B	-6.64B	-4.15B	-11.30B	0.00B
Capital Expenditures	-362.29M	-382.65M	-218.43M	-453.38M	-60.26M
Investing & Financing
Investing Cash Flow	-6.38B	-8.32B	-3.88B	-1.57B	1.17B
Financing Cash Flow	17.04B	12.25B	12.13B	8.53B	-0.46B
Dividends Paid	-997.86M	-899.53M	-850.00M	-825.00M	-270.00M
Share Repurchase	—	-0.25B	-1.00B	-0.29B	-0.50B
Operating Activities
Operating Cash Flow	-14.22B	-6.26B	-3.93B	-10.85B	0.06B
Net Income	2.43B	1.96B	1.76B	1.51B	1.06B
Change in Other Net Operating Assets	-16.85B	-8.49B	-5.83B	-12.01B	-1.48B
Change in Trading Asset Securities	-95.86M	158.94M	-102.45M	-480.99M	352.27M
Net Increase (Decrease) in Deposit Accounts	15.61B	10.78B	13.65B	7.82B	1.40B
Other Operating Activities	69.34M	-77.23M	-151.62M	-191.61M	-359.80M
Provision for Credit Losses	354.86M	289.95M	358.66M	191.57M	271.07M
Depreciation & Amortization	92.74M	102.68M	96.57M	94.54M	98.63M
Other Amortization	92.05M	74.15M	86.89M	60.45M	59.61M
Cash Interest Paid	10.12M	10.38M	13.28M	12.60M	—
Loss (Gain) on Equity Investments	-124.68M	-116.28M	-77.25M	-70.86M	-54.81M
Investing Activities
Investing Cash Flow	-6.38B	-8.32B	-3.88B	-1.57B	1.17B
Capital Expenditures	-362.29M	-382.65M	-218.43M	-453.38M	-60.26M
Investment in Securities	-6.08B	-8.00B	-3.69B	-1.15B	1.33B
Other Investing Activities	64.03M	56.30M	32.86M	31.57M	18.01M
Purchase / Sale of Intangibles	—	—	—	—	-121.53M
Sale of Property, Plant and Equipment	—	61.00K	3.00K	—	33.00K
Gain (Loss) on Sale of Assets	—	-0.06M	-0.00M	-0.01M	-14.52M
Gain (Loss) on Sale of Investments	-186.43M	-158.37M	-77.96M	52.23M	122.66M
Financing Activities
Financing Cash Flow	17.04B	12.25B	12.13B	8.53B	-0.46B
Common Dividends Paid	-997.86M	-899.53M	-850.00M	-825.00M	-270.00M
Issuance of Common Stock	—	2.81B	0.50B	2.00B	1.02B
Repurchase of Common Stock	—	-0.25B	-1.00B	-0.29B	-0.50B
Long-Term Debt Issued	2.79B	—	—	—	—
Total Debt Issued	2.79B	—	—	—	—
Long-Term Debt Repaid	-0.02B	-0.03B	-0.01B	-0.03B	-2.00B
Total Debt Repaid	-0.02B	-0.03B	-0.01B	-0.03B	-2.00B
Net Debt Issued (Repaid)	2.77B	-0.03B	-0.01B	-0.03B	-2.00B
Other Financing Activities	-334.73M	-169.56M	-167.43M	-142.47M	-110.70M
Free Cash Flow & Returns
Free Cash Flow	-14.58B	-6.64B	-4.15B	-11.30B	0.00B
Free Cash Flow Growth	—	—	—	—	-100.0%
Free Cash Flow Margin	-328.5%	-170.8%	-115.1%	-366.1%	0.0%
Free Cash Flow Per Share	-11.69	-5.32	-3.32	-9.04	0.00
Operating Cash Flow Growth	—	—	—	—	-99.4%
Net Cash Flow	-3.55B	-2.33B	4.32B	-3.88B	0.77B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-14.22B	-6.26B	-3.93B	-10.85B	0.06B
Free Cash Flow	-14.58B	-6.64B	-4.15B	-11.30B	0.00B
Capital Expenditures	-362.29M	-382.65M	-218.43M	-453.38M	-60.26M
Investing & Financing
Investing Cash Flow	-6.38B	-8.32B	-3.88B	-1.57B	1.17B
Financing Cash Flow	17.04B	12.25B	12.13B	8.53B	-0.46B
Dividends Paid	-997.86M	-899.53M	-850.00M	-825.00M	-270.00M
Share Repurchase	—	-0.25B	-1.00B	-0.29B	-0.50B
Operating Activities
Operating Cash Flow	-14.22B	-6.26B	-3.93B	-10.85B	0.06B
Net Income	2.43B	1.96B	1.76B	1.51B	1.06B
Change in Other Net Operating Assets	-16.85B	-8.49B	-5.83B	-12.01B	-1.48B
Change in Trading Asset Securities	-95.86M	158.94M	-102.45M	-480.99M	352.27M
Net Increase (Decrease) in Deposit Accounts	15.61B	10.78B	13.65B	7.82B	1.40B
Other Operating Activities	69.34M	-77.23M	-151.62M	-191.61M	-359.80M
Provision for Credit Losses	354.86M	289.95M	358.66M	191.57M	271.07M
Depreciation & Amortization	92.74M	102.68M	96.57M	94.54M	98.63M
Other Amortization	92.05M	74.15M	86.89M	60.45M	59.61M
Cash Interest Paid	10.12M	10.38M	13.28M	12.60M	—
Loss (Gain) on Equity Investments	-124.68M	-116.28M	-77.25M	-70.86M	-54.81M
Investing Activities
Investing Cash Flow	-6.38B	-8.32B	-3.88B	-1.57B	1.17B
Capital Expenditures	-362.29M	-382.65M	-218.43M	-453.38M	-60.26M
Investment in Securities	-6.08B	-8.00B	-3.69B	-1.15B	1.33B
Other Investing Activities	64.03M	56.30M	32.86M	31.57M	18.01M
Purchase / Sale of Intangibles	—	—	—	—	-121.53M
Sale of Property, Plant and Equipment	—	61.00K	3.00K	—	33.00K
Gain (Loss) on Sale of Assets	—	-0.06M	-0.00M	-0.01M	-14.52M
Gain (Loss) on Sale of Investments	-186.43M	-158.37M	-77.96M	52.23M	122.66M
Financing Activities
Financing Cash Flow	17.04B	12.25B	12.13B	8.53B	-0.46B
Common Dividends Paid	-997.86M	-899.53M	-850.00M	-825.00M	-270.00M
Issuance of Common Stock	—	2.81B	0.50B	2.00B	1.02B
Repurchase of Common Stock	—	-0.25B	-1.00B	-0.29B	-0.50B
Long-Term Debt Issued	2.79B	—	—	—	—
Total Debt Issued	2.79B	—	—	—	—
Long-Term Debt Repaid	-0.02B	-0.03B	-0.01B	-0.03B	-2.00B
Total Debt Repaid	-0.02B	-0.03B	-0.01B	-0.03B	-2.00B
Net Debt Issued (Repaid)	2.77B	-0.03B	-0.01B	-0.03B	-2.00B
Other Financing Activities	-334.73M	-169.56M	-167.43M	-142.47M	-110.70M
Free Cash Flow & Returns
Free Cash Flow	-14.58B	-6.64B	-4.15B	-11.30B	0.00B
Free Cash Flow Growth	—	—	—	—	-100.0%
Free Cash Flow Margin	-328.5%	-170.8%	-115.1%	-366.1%	0.0%
Free Cash Flow Per Share	-11.69	-5.32	-3.32	-9.04	0.00
Operating Cash Flow Growth	—	—	—	—	-99.4%
Net Cash Flow	-3.55B	-2.33B	4.32B	-3.88B	0.77B