ALBILAD

Bank Albilad

1140StocksTadawulBanks

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	-6.44B	-1.23B	-16.70B	-4.90B	-6.96B
Free Cash Flow	-7.02B	-1.69B	-17.01B	-5.21B	-7.12B
Capital Expenditures	-574.84M	-453.33M	-316.79M	-317.02M	-158.59M
Investing & Financing
Investing Cash Flow	-7.29B	-4.39B	-2.44B	-3.05B	-2.85B
Financing Cash Flow	12.44B	7.48B	16.98B	13.50B	10.37B
Dividends Paid	-0.68B	-1.13B	-0.50B	—	—
Share Repurchase	-12.14M	-62.37M	-95.49M	—	—
Operating Activities
Operating Cash Flow	-6.44B	-1.23B	-16.70B	-4.90B	-6.96B
Net Income	3.05B	2.81B	2.37B	2.08B	1.69B
Change in Other Net Operating Assets	-10.03B	-4.74B	-19.88B	-7.99B	-9.65B
Net Increase (Decrease) in Deposit Accounts	11.10B	8.94B	17.99B	13.73B	9.56B
Other Operating Activities	211.50M	289.19M	261.06M	191.61M	139.67M
Provision for Credit Losses	198.78M	119.94M	340.11M	530.45M	555.19M
Depreciation & Amortization	303.49M	273.38M	298.30M	290.41M	276.45M
Cash Interest Paid	4.48B	4.55B	3.34B	0.95B	0.32B
Investing Activities
Investing Cash Flow	-7.29B	-4.39B	-2.44B	-3.05B	-2.85B
Capital Expenditures	-574.84M	-453.33M	-316.79M	-317.02M	-158.59M
Investment in Securities	-6.94B	-3.94B	-2.12B	-2.73B	-2.69B
Sale of Property, Plant and Equipment	233.41M	0.17M	0.28M	0.03M	0.58M
Gain (Loss) on Sale of Assets	-148.62M	-0.17M	-0.27M	-0.02M	2.34M
Gain (Loss) on Sale of Investments	-11.19M	3.72M	-88.10M	-10.71M	23.05M
Financing Activities
Financing Cash Flow	12.44B	7.48B	16.98B	13.50B	10.37B
Common Dividends Paid	-0.68B	-1.13B	-0.50B	—	—
Repurchase of Common Stock	-12.14M	-62.37M	-95.49M	—	—
Long-Term Debt Issued	2.44B	0.10B	—	—	2.06B
Long-Term Debt Repaid	-0.10B	-0.12B	-0.18B	-0.12B	-1.18B
Net Debt Issued (Repaid)	2.34B	-0.02B	-0.18B	-0.12B	0.88B
Other Financing Activities	-316.75M	-251.84M	-228.73M	-119.52M	-70.49M
Free Cash Flow & Returns
Free Cash Flow	-7.02B	-1.69B	-17.01B	-5.21B	-7.12B
Free Cash Flow Margin	-116.7%	-30.4%	-341.7%	-112.3%	-177.3%
Free Cash Flow Per Share	-4.71	-1.13	-11.42	-3.49	-4.76
Net Cash Flow	-1.29B	1.86B	-2.15B	5.55B	0.56B

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	-6.44B	-1.23B	-16.70B	-4.90B	-6.96B
Free Cash Flow	-7.02B	-1.69B	-17.01B	-5.21B	-7.12B
Capital Expenditures	-574.84M	-453.33M	-316.79M	-317.02M	-158.59M
Investing & Financing
Investing Cash Flow	-7.29B	-4.39B	-2.44B	-3.05B	-2.85B
Financing Cash Flow	12.44B	7.48B	16.98B	13.50B	10.37B
Dividends Paid	-0.68B	-1.13B	-0.50B	—	—
Share Repurchase	-12.14M	-62.37M	-95.49M	—	—
Operating Activities
Operating Cash Flow	-6.44B	-1.23B	-16.70B	-4.90B	-6.96B
Net Income	3.05B	2.81B	2.37B	2.08B	1.69B
Change in Other Net Operating Assets	-10.03B	-4.74B	-19.88B	-7.99B	-9.65B
Net Increase (Decrease) in Deposit Accounts	11.10B	8.94B	17.99B	13.73B	9.56B
Other Operating Activities	211.50M	289.19M	261.06M	191.61M	139.67M
Provision for Credit Losses	198.78M	119.94M	340.11M	530.45M	555.19M
Depreciation & Amortization	303.49M	273.38M	298.30M	290.41M	276.45M
Cash Interest Paid	4.48B	4.55B	3.34B	0.95B	0.32B
Investing Activities
Investing Cash Flow	-7.29B	-4.39B	-2.44B	-3.05B	-2.85B
Capital Expenditures	-574.84M	-453.33M	-316.79M	-317.02M	-158.59M
Investment in Securities	-6.94B	-3.94B	-2.12B	-2.73B	-2.69B
Sale of Property, Plant and Equipment	233.41M	0.17M	0.28M	0.03M	0.58M
Gain (Loss) on Sale of Assets	-148.62M	-0.17M	-0.27M	-0.02M	2.34M
Gain (Loss) on Sale of Investments	-11.19M	3.72M	-88.10M	-10.71M	23.05M
Financing Activities
Financing Cash Flow	12.44B	7.48B	16.98B	13.50B	10.37B
Common Dividends Paid	-0.68B	-1.13B	-0.50B	—	—
Repurchase of Common Stock	-12.14M	-62.37M	-95.49M	—	—
Long-Term Debt Issued	2.44B	0.10B	—	—	2.06B
Long-Term Debt Repaid	-0.10B	-0.12B	-0.18B	-0.12B	-1.18B
Net Debt Issued (Repaid)	2.34B	-0.02B	-0.18B	-0.12B	0.88B
Other Financing Activities	-316.75M	-251.84M	-228.73M	-119.52M	-70.49M
Free Cash Flow & Returns
Free Cash Flow	-7.02B	-1.69B	-17.01B	-5.21B	-7.12B
Free Cash Flow Margin	-116.7%	-30.4%	-341.7%	-112.3%	-177.3%
Free Cash Flow Per Share	-4.71	-1.13	-11.42	-3.49	-4.76
Net Cash Flow	-1.29B	1.86B	-2.15B	5.55B	0.56B