ADX:ADCB Cash Flow Statement

Financials in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	11,446	9,421	8,207	6,435	5,241
Depreciation & Amortization	253	250	464.63	501.39	496.84
Other Amortization	195	164	-	-	-
Gain (Loss) on Sale of Assets	-151	-35	-575.24	-58.05	-31.86
Gain (Loss) on Sale of Investments	-1,698	-1,409	-875.49	-94.68	-110.76
Total Asset Writedown	3,686	3,367	3,910	3,251	3,025
Provision for Credit Losses	-131	-189	-248.75	-399.21	-362.94
Change in Trading Asset Securities	-7,241	-1,794	-4,754	-2,829	-1,688
Change in Other Net Operating Assets	-61,837	-54,879	-45,719	-24,022	-17,423
Other Operating Activities	1,969	2,589	1,485	1,137	793.83
Operating Cash Flow	-53,408	-42,455	-38,068	-16,048	-10,062
Capital Expenditures	-	-369	-306.3	-289.71	-217.82
Sale of Property, Plant and Equipment	124	-	-	72.75	101.31
Cash Acquisitions	-	-	-	-	-918.92
Investment in Securities	-14,645	-16,578	-15,629	-24,054	-9,916
Income (Loss) Equity Investments	-9	-11	0.1	8.46	-7.66
Divestitures	-	-	474.45	-	-
Other Investing Activities	46	34	39.76	37.53	27.74
Investing Cash Flow	-13,813	-16,864	-15,421	-24,231	-10,901
Short-Term Debt Issued	2,179	-	1,411	-	1,436
Long-Term Debt Issued	91,200	113,498	81,974	47,104	30,729
Total Debt Issued	93,379	113,498	83,385	47,104	32,165
Short-Term Debt Repaid	-	-1,933	-	-251.16	-
Long-Term Debt Repaid	-91,135	-99,142	-73,644	-44,404	-23,042
Total Debt Repaid	-91,135	-101,075	-73,644	-44,655	-23,042
Net Debt Issued (Repaid)	2,244	12,423	9,741	2,449	9,123
Issuance of Common Stock	6,093	-	-	-	-
Common Dividends Paid	-4,961	-4,785	-1,646	-2,757	-2,052
Net Increase (Decrease) in Deposit Accounts	78,102	62,275	55,922	48,994	13,657
Other Financing Activities	-	-	-	-0.04	-
Financing Cash Flow	81,478	69,913	64,017	48,686	20,729
Foreign Exchange Rate Adjustments	199	-1,321	-688.67	-1,267	-1.71
Net Cash Flow	14,456	9,273	9,840	7,141	-236.15
Free Cash Flow	-53,408	-42,824	-38,374	-16,337	-10,280
Free Cash Flow Margin	-279.92%	-257.90%	-276.48%	-141.26%	-106.93%
Free Cash Flow Per Share	-7.13	-5.72	-5.24	-2.23	-1.40
Cash Income Tax Paid	1,175	134	119.06	77.59	63.35

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.