Commercial Bank International P.J.S.C. (ADX:CBI)

ADX:CBI Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	70.84	201.18	153.92	117.24	121.78	-27.34
Depreciation & Amortization	20.55	22.24	22.08	34.87	42.03	40.28
Other Amortization	9.55	9.55	10.2	-	-	-
Gain (Loss) on Sale of Assets	0.23	0.23	-3.16	-1.91	-30.02	0.3
Gain (Loss) on Sale of Investments	-4.91	3.07	-30.36	-63.19	-14.08	-117.66
Total Asset Writedown	-0.81	-0.81	-6.57	-2.09	0.75	37.17
Provision for Credit Losses	249.1	102.77	53.66	124.02	195.46	398.35
Change in Other Net Operating Assets	-578.09	-1,725	-173	-1,247	-1,644	2,523
Other Operating Activities	4.68	26.03	-0.37	43.01	5.61	60.72
Operating Cash Flow	-269.68	-1,228	44.84	-999.72	-1,229	2,920
Operating Cash Flow Growth	-	-	-	-	-	1408.61%
Capital Expenditures	-18.56	-35.33	-20.75	-19.58	-31.13	-12.16
Sale of Property, Plant and Equipment	0.05	0.05	-	0.94	43.81	0.16
Investment in Securities	-162.98	105.66	-587.15	-483.09	197.13	-305.4
Income (Loss) Equity Investments	-1.1	0.39	-	-	-	5.32
Purchase / Sale of Intangibles	-33.45	-14.62	-0.89	-2.09	-5.08	-2.42
Other Investing Activities	0.76	0.74	0.63	0.8	0.8	-
Investing Cash Flow	-212.8	72.66	-604.49	-496.95	217.43	-319.81
Common Dividends Paid	-27.52	-27.52	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	-480.13	1,642	-858.79	973.55	3,063	-1,986
Financing Cash Flow	-507.65	1,614	-858.79	973.55	3,063	-1,986
Net Cash Flow	-990.14	458.88	-1,418	-523.13	2,050	614.52
Free Cash Flow	-288.24	-1,264	24.09	-1,019	-1,261	2,908
Free Cash Flow Growth	-	-	-	-	-	1554.45%
Free Cash Flow Margin	-62.62%	-210.43%	4.92%	-214.08%	-291.36%	854.56%
Free Cash Flow Per Share	-0.17	-0.73	0.01	-0.59	-0.73	1.67
Cash Interest Paid	-	-	-	-	-	324.48

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