SAB

Saudi Awwal Bank

1060StocksTadawulBanks

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	-48.60B	-14.30B	-22.75B	3.03B	-13.38B
Free Cash Flow	-49.37B	-15.20B	-23.31B	2.37B	-13.83B
Capital Expenditures	-769.94M	-893.38M	-554.77M	-661.03M	-457.42M
Investing & Financing
Investing Cash Flow	-6.18B	-3.38B	-10.25B	-25.07B	-3.84B
Financing Cash Flow	58.82B	12.97B	31.39B	25.31B	-3.95B
Dividends Paid	-4.49B	-4.25B	-3.47B	-1.96B	-1.20B
Share Repurchase	—	-176.80M	-37.41M	—	-115.00M
Operating Activities
Operating Cash Flow	-48.60B	-14.30B	-22.75B	3.03B	-13.38B
Net Income	8.45B	8.07B	7.00B	4.83B	3.20B
Change in Other Net Operating Assets	-57.65B	-22.73B	-30.56B	-1.82B	-17.59B
Change in Trading Asset Securities	-190.30M	-498.12M	265.13M	-779.35M	-145.61M
Net Increase (Decrease) in Deposit Accounts	56.26B	13.55B	31.05B	27.52B	-2.35B
Other Operating Activities	-144.27M	215.91M	-82.97M	-400.93M	265.07M
Provision for Credit Losses	699.10M	567.13M	558.86M	906.11M	453.74M
Depreciation & Amortization	448.36M	421.89M	389.84M	364.41M	436.71M
Other Amortization	263.55M	124.76M	175.76M	100.07M	184.90M
Net Cash from Discontinued Operations	—	—	—	—	794.00K
Loss (Gain) on Equity Investments	-141.01M	-205.37M	-188.21M	-172.14M	-131.43M
Investing Activities
Investing Cash Flow	-6.18B	-3.38B	-10.25B	-25.07B	-3.84B
Capital Expenditures	-769.94M	-893.38M	-554.77M	-661.03M	-457.42M
Cash Acquisitions	—	—	—	-1.22B	—
Investment in Securities	-5.61B	-2.69B	-10.02B	-23.35B	-3.56B
Other Investing Activities	204.86M	204.07M	325.46M	156.21M	179.06M
Gain (Loss) on Sale of Assets	—	—	—	—	-11.76M
Gain (Loss) on Sale of Investments	-403.02M	-318.30M	-342.15M	-62.57M	-31.84M
Financing Activities
Financing Cash Flow	58.82B	12.97B	31.39B	25.31B	-3.95B
Common Dividends Paid	-4.49B	-4.25B	-3.47B	-1.96B	-1.20B
Issuance of Common Stock	4.42B	3.98B	3.99B	—	—
Repurchase of Common Stock	—	-176.80M	-37.41M	—	-115.00M
Long-Term Debt Issued	7.76B	—	—	—	—
Long-Term Debt Repaid	-5.11B	-0.12B	-0.12B	-0.10B	-0.14B
Net Debt Issued (Repaid)	2.65B	-0.12B	-0.12B	-0.10B	-0.14B
Other Financing Activities	-20.51M	-14.29M	-16.96M	-149.74M	-147.43M
Free Cash Flow & Returns
Free Cash Flow	-49.37B	-15.20B	-23.31B	2.37B	-13.83B
Free Cash Flow Margin	-352.1%	-113.0%	-191.9%	+26.0%	-191.5%
Free Cash Flow Per Share	-24.03	-7.40	-11.34	1.15	-6.73
Net Cash Flow	4.04B	-4.71B	-1.61B	3.26B	-21.17B

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	-48.60B	-14.30B	-22.75B	3.03B	-13.38B
Free Cash Flow	-49.37B	-15.20B	-23.31B	2.37B	-13.83B
Capital Expenditures	-769.94M	-893.38M	-554.77M	-661.03M	-457.42M
Investing & Financing
Investing Cash Flow	-6.18B	-3.38B	-10.25B	-25.07B	-3.84B
Financing Cash Flow	58.82B	12.97B	31.39B	25.31B	-3.95B
Dividends Paid	-4.49B	-4.25B	-3.47B	-1.96B	-1.20B
Share Repurchase	—	-176.80M	-37.41M	—	-115.00M
Operating Activities
Operating Cash Flow	-48.60B	-14.30B	-22.75B	3.03B	-13.38B
Net Income	8.45B	8.07B	7.00B	4.83B	3.20B
Change in Other Net Operating Assets	-57.65B	-22.73B	-30.56B	-1.82B	-17.59B
Change in Trading Asset Securities	-190.30M	-498.12M	265.13M	-779.35M	-145.61M
Net Increase (Decrease) in Deposit Accounts	56.26B	13.55B	31.05B	27.52B	-2.35B
Other Operating Activities	-144.27M	215.91M	-82.97M	-400.93M	265.07M
Provision for Credit Losses	699.10M	567.13M	558.86M	906.11M	453.74M
Depreciation & Amortization	448.36M	421.89M	389.84M	364.41M	436.71M
Other Amortization	263.55M	124.76M	175.76M	100.07M	184.90M
Net Cash from Discontinued Operations	—	—	—	—	794.00K
Loss (Gain) on Equity Investments	-141.01M	-205.37M	-188.21M	-172.14M	-131.43M
Investing Activities
Investing Cash Flow	-6.18B	-3.38B	-10.25B	-25.07B	-3.84B
Capital Expenditures	-769.94M	-893.38M	-554.77M	-661.03M	-457.42M
Cash Acquisitions	—	—	—	-1.22B	—
Investment in Securities	-5.61B	-2.69B	-10.02B	-23.35B	-3.56B
Other Investing Activities	204.86M	204.07M	325.46M	156.21M	179.06M
Gain (Loss) on Sale of Assets	—	—	—	—	-11.76M
Gain (Loss) on Sale of Investments	-403.02M	-318.30M	-342.15M	-62.57M	-31.84M
Financing Activities
Financing Cash Flow	58.82B	12.97B	31.39B	25.31B	-3.95B
Common Dividends Paid	-4.49B	-4.25B	-3.47B	-1.96B	-1.20B
Issuance of Common Stock	4.42B	3.98B	3.99B	—	—
Repurchase of Common Stock	—	-176.80M	-37.41M	—	-115.00M
Long-Term Debt Issued	7.76B	—	—	—	—
Long-Term Debt Repaid	-5.11B	-0.12B	-0.12B	-0.10B	-0.14B
Net Debt Issued (Repaid)	2.65B	-0.12B	-0.12B	-0.10B	-0.14B
Other Financing Activities	-20.51M	-14.29M	-16.96M	-149.74M	-147.43M
Free Cash Flow & Returns
Free Cash Flow	-49.37B	-15.20B	-23.31B	2.37B	-13.83B
Free Cash Flow Margin	-352.1%	-113.0%	-191.9%	+26.0%	-191.5%
Free Cash Flow Per Share	-24.03	-7.40	-11.34	1.15	-6.73
Net Cash Flow	4.04B	-4.71B	-1.61B	3.26B	-21.17B