Abu Dhabi Commercial Bank PJSC (ADX:ADCB)
United Arab Emirates · Delayed Price · Currency is AED 16.00
-0.32 (-1.96%)
At close: Oct 29, 2026
ADX:ADCB Cash Flow Statement
Financials in millions AED. Fiscal year is January - December.
Millions AED. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 | 13,638 | 11,446 | 9,421 | 8,207 | 6,435 | 5,241 |
Depreciation & Amortization | 261 | 253 | 250 | 464.63 | 501.39 | 496.84 |
Other Amortization | 195 | 195 | 164 | - | - | - |
Gain (Loss) on Sale of Assets | -122 | -151 | -35 | -575.24 | -58.05 | -31.86 |
Gain (Loss) on Sale of Investments | -2,941 | -1,698 | -1,409 | -875.49 | -94.68 | -110.76 |
Total Asset Writedown | 2,423 | 3,686 | 3,367 | 3,910 | 3,251 | 3,025 |
Provision for Credit Losses | -158 | -131 | -189 | -248.75 | -399.21 | -362.94 |
Change in Trading Asset Securities | -4,718 | -7,241 | -1,794 | -4,754 | -2,829 | -1,688 |
Change in Other Net Operating Assets | -73,354 | -61,837 | -54,879 | -45,719 | -24,022 | -17,423 |
Other Operating Activities | 1,723 | 1,969 | 2,589 | 1,485 | 1,137 | 793.83 |
Operating Cash Flow | -62,928 | -53,408 | -42,455 | -38,068 | -16,048 | -10,062 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Capital Expenditures | -165 | - | -369 | -306.3 | -289.71 | -217.82 |
Sale of Property, Plant and Equipment | -160 | 124 | - | - | 72.75 | 101.31 |
Cash Acquisitions | - | - | - | - | - | -918.92 |
Investment in Securities | -15,709 | -14,645 | -16,578 | -15,629 | -24,054 | -9,916 |
Income (Loss) Equity Investments | -14 | -9 | -11 | 0.1 | 8.46 | -7.66 |
Divestitures | - | - | - | 474.45 | - | - |
Other Investing Activities | 75 | 46 | 34 | 39.76 | 37.53 | 27.74 |
Investing Cash Flow | -15,387 | -13,813 | -16,864 | -15,421 | -24,231 | -10,901 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
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 | 182,532 | 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 |
Lease Payments | -100 | -98 | -63 | -75.07 | -84.17 | -89.8 |
Total Debt Repaid | -149,242 | -91,135 | -101,075 | -73,644 | -44,655 | -23,042 |
Net Debt Issued (Repaid) | 33,290 | 2,244 | 12,423 | 9,741 | 2,449 | 9,123 |
Issuance of Common Stock | 6,093 | 6,093 | - | - | - | - |
Common Dividends Paid | -5,583 | -4,961 | -4,785 | -1,646 | -2,757 | -2,052 |
Net Increase (Decrease) in Deposit Accounts | 76,492 | 78,102 | 62,275 | 55,922 | 48,994 | 13,657 |
Other Financing Activities | - | - | - | - | -0.04 | - |
Financing Cash Flow | 110,292 | 81,478 | 69,913 | 64,017 | 48,686 | 20,729 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Foreign Exchange Rate Adjustments | -306 | 199 | -1,321 | -688.67 | -1,267 | -1.71 |
Net Cash Flow | 31,671 | 14,456 | 9,273 | 9,840 | 7,141 | -236.15 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Free Cash Flow | -63,093 | -53,408 | -42,824 | -38,374 | -16,337 | -10,280 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -286.21% | -279.92% | -257.90% | -276.48% | -141.26% | -106.93% |
Free Cash Flow Per Share | -8.08 | -7.13 | -5.72 | -5.24 | -2.23 | -1.40 |
Free Cash Flow After Leases | -63,193 | -53,506 | -42,887 | -38,449 | -16,422 | -10,369 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Cash Income Tax Paid | 1,535 | 1,175 | 134 | 119.06 | 77.59 | 63.35 |