SNB

Saudi National Bank

1180StocksTadawulBanks

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	-52.60B	-35.96B	-1.00B	8.68B	26.41B
Free Cash Flow	-54.67B	-37.74B	-2.78B	6.63B	24.66B
Capital Expenditures	-2.07B	-1.78B	-1.79B	-2.05B	-1.74B
Investing & Financing
Investing Cash Flow	-21.59B	-23.59B	-9.38B	-28.55B	-0.50B
Financing Cash Flow	79.71B	40.61B	31.34B	-12.19B	-14.04B
Dividends Paid	-12.00B	-10.80B	-7.79B	-8.96B	-6.49B
Share Repurchase	-6.78B	—	-1.65B	—	-2.70B
Operating Activities
Operating Cash Flow	-52.60B	-35.96B	-1.00B	8.68B	26.41B
Net Income	25.01B	21.19B	20.01B	18.58B	12.67B
Change in Other Net Operating Assets	-77.99B	-53.71B	-21.44B	-6.86B	3.81B
Change in Trading Asset Securities	-5.55B	-9.71B	-5.90B	-9.87B	2.29B
Net Increase (Decrease) in Deposit Accounts	60.48B	-6.17B	30.19B	-12.92B	-8.34B
Other Operating Activities	3.18B	2.69B	3.29B	3.01B	1.79B
Provision for Credit Losses	1.03B	1.02B	0.92B	1.69B	3.96B
Depreciation & Amortization	1.94B	2.18B	1.76B	2.00B	1.56B
Other Amortization	360.53M	431.49M	518.47M	281.44M	232.13M
Loss (Gain) on Equity Investments	—	—	—	—	122.01M
Investing Activities
Investing Cash Flow	-21.59B	-23.59B	-9.38B	-28.55B	-0.50B
Capital Expenditures	-2.07B	-1.78B	-1.79B	-2.05B	-1.74B
Cash Acquisitions	—	—	—	—	24.64B
Investment in Securities	-19.50B	-21.75B	-7.53B	-26.78B	-23.80B
Purchase / Sale of Intangibles	-79.60M	-135.90M	-216.91M	-20.45M	-38.61M
Sale of Property, Plant and Equipment	48.99M	71.58M	157.89M	304.69M	434.95M
Gain (Loss) on Sale of Assets	25.26M	81.80M	-15.00M	-88.07M	14.40M
Gain (Loss) on Sale of Investments	-800.12M	-350.30M	-288.44M	-246.33M	-195.24M
Financing Activities
Financing Cash Flow	79.71B	40.61B	31.34B	-12.19B	-14.04B
Common Dividends Paid	-12.00B	-10.80B	-7.79B	-8.96B	-6.49B
Issuance of Common Stock	2.67B	6.00B	1.00B	3.30B	4.69B
Repurchase of Common Stock	-6.78B	—	-1.65B	—	-2.70B
Long-Term Debt Issued	176.45B	117.96B	47.49B	10.56B	4.31B
Long-Term Debt Repaid	-140.07B	-65.62B	-37.14B	-3.61B	-5.02B
Net Debt Issued (Repaid)	36.38B	52.34B	10.35B	6.95B	-0.71B
Other Financing Activities	-1.04B	-0.76B	-0.77B	-0.57B	-0.48B
Free Cash Flow & Returns
Free Cash Flow	-54.67B	-37.74B	-2.78B	6.63B	24.66B
Free Cash Flow Growth	—	—	—	-73.1%	—
Free Cash Flow Margin	-143.3%	-107.8%	-8.3%	+21.2%	+101.6%
Free Cash Flow Per Share	-9.19	-6.34	-0.47	1.11	4.53
Operating Cash Flow Growth	—	—	—	-67.1%	—
Net Cash Flow	5.08B	-19.48B	20.32B	-32.71B	10.98B
Foreign Exchange Rate Adjustments	-433.51M	-542.42M	-639.96M	-651.75M	-887.89M

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	-52.60B	-35.96B	-1.00B	8.68B	26.41B
Free Cash Flow	-54.67B	-37.74B	-2.78B	6.63B	24.66B
Capital Expenditures	-2.07B	-1.78B	-1.79B	-2.05B	-1.74B
Investing & Financing
Investing Cash Flow	-21.59B	-23.59B	-9.38B	-28.55B	-0.50B
Financing Cash Flow	79.71B	40.61B	31.34B	-12.19B	-14.04B
Dividends Paid	-12.00B	-10.80B	-7.79B	-8.96B	-6.49B
Share Repurchase	-6.78B	—	-1.65B	—	-2.70B
Operating Activities
Operating Cash Flow	-52.60B	-35.96B	-1.00B	8.68B	26.41B
Net Income	25.01B	21.19B	20.01B	18.58B	12.67B
Change in Other Net Operating Assets	-77.99B	-53.71B	-21.44B	-6.86B	3.81B
Change in Trading Asset Securities	-5.55B	-9.71B	-5.90B	-9.87B	2.29B
Net Increase (Decrease) in Deposit Accounts	60.48B	-6.17B	30.19B	-12.92B	-8.34B
Other Operating Activities	3.18B	2.69B	3.29B	3.01B	1.79B
Provision for Credit Losses	1.03B	1.02B	0.92B	1.69B	3.96B
Depreciation & Amortization	1.94B	2.18B	1.76B	2.00B	1.56B
Other Amortization	360.53M	431.49M	518.47M	281.44M	232.13M
Loss (Gain) on Equity Investments	—	—	—	—	122.01M
Investing Activities
Investing Cash Flow	-21.59B	-23.59B	-9.38B	-28.55B	-0.50B
Capital Expenditures	-2.07B	-1.78B	-1.79B	-2.05B	-1.74B
Cash Acquisitions	—	—	—	—	24.64B
Investment in Securities	-19.50B	-21.75B	-7.53B	-26.78B	-23.80B
Purchase / Sale of Intangibles	-79.60M	-135.90M	-216.91M	-20.45M	-38.61M
Sale of Property, Plant and Equipment	48.99M	71.58M	157.89M	304.69M	434.95M
Gain (Loss) on Sale of Assets	25.26M	81.80M	-15.00M	-88.07M	14.40M
Gain (Loss) on Sale of Investments	-800.12M	-350.30M	-288.44M	-246.33M	-195.24M
Financing Activities
Financing Cash Flow	79.71B	40.61B	31.34B	-12.19B	-14.04B
Common Dividends Paid	-12.00B	-10.80B	-7.79B	-8.96B	-6.49B
Issuance of Common Stock	2.67B	6.00B	1.00B	3.30B	4.69B
Repurchase of Common Stock	-6.78B	—	-1.65B	—	-2.70B
Long-Term Debt Issued	176.45B	117.96B	47.49B	10.56B	4.31B
Long-Term Debt Repaid	-140.07B	-65.62B	-37.14B	-3.61B	-5.02B
Net Debt Issued (Repaid)	36.38B	52.34B	10.35B	6.95B	-0.71B
Other Financing Activities	-1.04B	-0.76B	-0.77B	-0.57B	-0.48B
Free Cash Flow & Returns
Free Cash Flow	-54.67B	-37.74B	-2.78B	6.63B	24.66B
Free Cash Flow Growth	—	—	—	-73.1%	—
Free Cash Flow Margin	-143.3%	-107.8%	-8.3%	+21.2%	+101.6%
Free Cash Flow Per Share	-9.19	-6.34	-0.47	1.11	4.53
Operating Cash Flow Growth	—	—	—	-67.1%	—
Net Cash Flow	5.08B	-19.48B	20.32B	-32.71B	10.98B
Foreign Exchange Rate Adjustments	-433.51M	-542.42M	-639.96M	-651.75M	-887.89M