ADX:ADIB 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	6,674	5,777	5,000	3,587	2,329
Depreciation & Amortization	366.27	339.61	336	315.06	295.17
Gain (Loss) on Sale of Assets	-9.44	0.06	2.39	11.09	2.53
Gain (Loss) on Sale of Investments	-190.35	-107.14	39.81	140.05	-17.9
Total Asset Writedown	16.01	-72.3	91.4	92.07	-2.39
Provision for Credit Losses	797.97	758.16	587.9	659.18	935.86
Change in Trading Asset Securities	1,006	113.42	-323.06	377.64	-470.35
Change in Other Net Operating Assets	-46,933	-35,246	-14,926	-12,719	-10,077
Other Operating Activities	673.3	753.87	246.58	29.72	3.33
Operating Cash Flow	-37,705	-27,783	-9,021	-7,930	-7,318
Capital Expenditures	-366.21	-314.62	-294.75	-301.33	-313.51
Investment in Securities	-3,061	-4,816	-4,487	-6,535	573.74
Income (Loss) Equity Investments	-105.01	-99.89	-76.12	-422.47	-315.9
Other Investing Activities	-90.12	0.43	5.91	1.02	4.76
Investing Cash Flow	-3,517	-5,128	-4,785	-6,836	264.99
Long-Term Debt Repaid	-50.71	-50.25	-	-	-
Net Debt Issued (Repaid)	-50.71	-50.25	-	-	-
Issuance of Common Stock	-	-	4,591	-	-
Repurchase of Common Stock	-	-	-2,754	-	-
Common Dividends Paid	-3,364	-2,948	-2,208	-1,398	-1,004
Net Increase (Decrease) in Deposit Accounts	46,413	34,931	21,818	14,069	8,341
Other Financing Activities	102.17	-6.36	-19.79	-0.76	-10.51
Financing Cash Flow	43,100	31,926	21,426	12,670	7,326
Foreign Exchange Rate Adjustments	28.14	-251.8	-	-	-
Net Cash Flow	1,907	-1,237	7,621	-2,096	273.05
Free Cash Flow	-38,071	-28,098	-9,315	-8,231	-7,631
Free Cash Flow Margin	-327.46%	-280.64%	-109.17%	-135.69%	-165.71%
Free Cash Flow Per Share	-10.48	-7.74	-2.56	-2.27	-2.10
Cash Interest Paid	5,496	4,247	2,836	454.69	313.45
Cash Income Tax Paid	764.42	353.15	-	-	-

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