ADX:ADIB Cash Flow Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	6,406	5,777	5,000	3,587	2,329	1,603	Upgrade
Depreciation & Amortization	357.68	339.61	336	315.06	295.17	321.94	Upgrade
Gain (Loss) on Sale of Assets	-11.78	0.06	2.39	11.09	2.53	-10.26	Upgrade
Gain (Loss) on Sale of Investments	-41.7	-59.13	39.81	140.05	-17.9	0.72	Upgrade
Total Asset Writedown	-158.89	-120.32	91.4	92.07	-2.39	141.35	Upgrade
Provision for Credit Losses	859.84	758.16	587.9	659.18	935.86	1,114	Upgrade
Change in Trading Asset Securities	289.05	113.42	-323.06	377.64	-470.35	-638.88	Upgrade
Change in Other Net Operating Assets	-36,353	-36,097	-14,926	-12,719	-10,077	-249.9	Upgrade
Other Operating Activities	129.29	341.75	246.58	29.72	3.33	3.49	Upgrade
Operating Cash Flow	-28,631	-29,046	-9,021	-7,930	-7,318	2,274	Upgrade
Operating Cash Flow Growth	-	-	-	-	-	613.84%	Upgrade
Capital Expenditures	-448.87	-314.62	-294.75	-301.33	-313.51	-256.68	Upgrade
Investment in Securities	-5,960	-4,816	-4,487	-6,535	573.74	-200.71	Upgrade
Income (Loss) Equity Investments	-106.21	-99.89	-76.12	-422.47	-315.9	-10.78	Upgrade
Other Investing Activities	1.61	0.43	5.91	1.02	4.76	0.5	Upgrade
Investing Cash Flow	-6,406	-5,128	-4,785	-6,836	264.99	-430.99	Upgrade
Issuance of Common Stock	-	-	4,591	-	-	-	Upgrade
Repurchase of Common Stock	-	-	-2,754	-	-	-	Upgrade
Common Dividends Paid	-3,375	-2,948	-2,208	-1,398	-1,004	-1,285	Upgrade
Net Increase (Decrease) in Deposit Accounts	43,353	34,931	21,818	14,069	8,341	-134.72	Upgrade
Other Financing Activities	-5.93	-6.36	-19.79	-0.76	-10.51	-9.63	Upgrade
Financing Cash Flow	39,972	31,977	21,426	12,670	7,326	-1,429	Upgrade
Net Cash Flow	4,935	-2,198	7,621	-2,096	273.05	414.24	Upgrade
Free Cash Flow	-29,079	-29,361	-9,315	-8,231	-7,631	2,018	Upgrade
Free Cash Flow Growth	-	-	-	-	-	22022.65%	Upgrade
Free Cash Flow Margin	-261.91%	-293.25%	-109.17%	-135.69%	-165.71%	49.50%	Upgrade
Free Cash Flow Per Share	-8.01	-8.08	-2.56	-2.27	-2.10	0.56	Upgrade
Cash Interest Paid	4,042	2,974	2,836	454.69	313.45	532.35	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.