ADX:ADIB Cash Flow Statement

Financials in millions AED. Fiscal year is April - March.

Millions AED. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2025	FY 2024	FY 2023
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Net Income	6,771	6,674	6,036	5,777	5,000
Depreciation & Amortization	369.33	366.27	344.79	339.61	336
Gain (Loss) on Sale of Assets	-60.89	-9.44	-0.92	0.06	2.39
Gain (Loss) on Sale of Investments	-119.51	-190.35	-108.56	-107.14	39.81
Total Asset Writedown	-40.83	16.01	-109.67	-72.3	91.4
Provision for Credit Losses	894.01	797.97	785.17	758.16	587.9
Change in Trading Asset Securities	-255.11	1,006	375.53	113.42	-323.06
Change in Other Net Operating Assets	-51,108	-46,933	-29,785	-35,246	-14,926
Other Operating Activities	958.08	673.3	979.72	753.87	246.58
Operating Cash Flow	-42,703	-37,705	-21,577	-27,783	-9,021
Capital Expenditures	-286	-366.21	-362.36	-314.62	-294.75
Investment in Securities	-3,055	-3,061	-6,071	-4,816	-4,487
Income (Loss) Equity Investments	-111.92	-105.01	-94.31	-99.89	-76.12
Other Investing Activities	-90.12	-90.12	0.43	0.43	5.91
Investing Cash Flow	-3,254	-3,517	-6,429	-5,128	-4,785
Long-Term Debt Repaid	-	-50.71	-	-50.25	-
Total Debt Repaid	-62.9	-50.71	-62.65	-50.25	-
Net Debt Issued (Repaid)	-62.9	-50.71	-62.65	-50.25	-
Issuance of Common Stock	-	-	-	-	4,591
Repurchase of Common Stock	-	-	-	-	-2,754
Common Dividends Paid	-3,859	-3,364	-3,383	-2,948	-2,208
Net Increase (Decrease) in Deposit Accounts	39,233	46,413	43,244	34,931	21,818
Other Financing Activities	102.24	102.17	-6.15	-6.36	-19.79
Financing Cash Flow	35,413	43,100	39,792	31,926	21,426
Foreign Exchange Rate Adjustments	-11.89	28.14	-249.43	-251.8	-
Net Cash Flow	-10,556	1,907	11,536	-1,237	7,621
Free Cash Flow	-42,989	-38,071	-21,940	-28,098	-9,315
Free Cash Flow Margin	-361.10%	-327.46%	-211.57%	-280.64%	-109.17%
Free Cash Flow Per Share	-11.84	-10.48	-6.04	-7.74	-2.56
Cash Interest Paid	5,838	5,496	4,458	4,247	2,836
Cash Income Tax Paid	764.42	764.42	353.15	353.15	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.