ADX:FAB Cash Flow Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	20,996	21,110	17,055	16,405	13,411	12,531
Depreciation & Amortization	930	959	1,087	981	1,062	934.56
Gain (Loss) on Sale of Assets	-293	-293	-22	-434	-3,098	-507.4
Gain (Loss) on Sale of Investments	94	79	178	302	246.94	249.42
Total Asset Writedown	-508	-153	-	-	327.31	750
Provision for Credit Losses	3,810	3,416	4,430	3,039	2,735	2,595
Change in Trading Asset Securities	-5,693	-18,138	-10,758	-13,511	13,809	-24,355
Change in Other Net Operating Assets	-41,011	-24,265	-37,672	-36,759	-86,517	-17,345
Other Operating Activities	1,563	1,808	2,165	820	748.84	-655.43
Operating Cash Flow	-20,112	-15,477	-23,537	-29,157	-57,274	-25,803
Capital Expenditures	-888	-888	-	-1,071	-558.99	-741.47
Sale of Property, Plant and Equipment	-10	-	97	-	-	-
Cash Acquisitions	-	-	-	-	-	3,347
Investment in Securities	-16,792	-3,375	-12,060	-6,702	-29,963	-7,096
Divestitures	-	-	-	335	-	-
Investing Cash Flow	-17,216	-3,788	-11,970	-8,479	-31,055	-4,593
Short-Term Debt Issued	-	12,051	-	-	-	8,490
Long-Term Debt Issued	-	19,053	17,403	11,813	10,626	17,149
Total Debt Issued	33,590	31,104	17,403	11,813	10,626	25,639
Short-Term Debt Repaid	-	-	-1,771	-12,080	-7,926	-
Long-Term Debt Repaid	-	-10,815	-12,461	-8,397	-13,432	-5,828
Total Debt Repaid	-16,970	-10,815	-14,232	-20,477	-21,357	-5,828
Net Debt Issued (Repaid)	16,620	20,289	3,171	-8,664	-10,732	19,811
Issuance of Common Stock	3,673	3,673	-	-	-	21.55
Common Dividends Paid	-8,996	-9,022	-8,583	-6,381	-5,704	-8,044
Net Increase (Decrease) in Deposit Accounts	32,224	58,203	22,516	59,289	86,198	52,246
Other Financing Activities	-	-	-	-	-6.8	-13.85
Financing Cash Flow	43,521	73,143	17,104	44,244	69,755	64,021
Foreign Exchange Rate Adjustments	263	1,618	-2,967	-206	-3,444	-
Net Cash Flow	6,456	55,496	-21,370	6,402	-22,018	33,625
Free Cash Flow	-21,000	-16,365	-23,537	-30,228	-57,833	-26,545
Free Cash Flow Margin	-62.60%	-49.00%	-84.97%	-122.50%	-269.98%	-134.29%
Free Cash Flow Per Share	-1.90	-1.48	-2.13	-2.74	-5.24	-2.40
Cash Income Tax Paid	3,119	2,966	1,446	1,058	869.42	589.81

Updated Mar 31, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.