National Bank of Fujairah PJSC (ADX: NBF)

ADX: NBF Cash Flow Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Income	862.32	725.07	340.38	115.25	-475.25	552.18
Depreciation & Amortization	42.29	34.13	33.62	28.6	31.46	36.78
Gain (Loss) on Sale of Assets	-0.02	-0.02	-0.15	-	-0.01	-
Gain (Loss) on Sale of Investments	9.1	9.82	-10.05	-40.71	-16.16	-10.01
Provision for Credit Losses	740.18	854.38	890.17	841.76	1,365	590.02
Change in Other Net Operating Assets	-6,640	-4,399	-3,750	-1,980	5,532	-4,066
Other Operating Activities	6.83	6.9	6.67	-0.63	2.69	6.28
Operating Cash Flow	-4,979	-2,769	-2,490	-1,036	6,440	-2,891
Capital Expenditures	-95.03	-106.69	-83.69	-55.71	-66.61	-58.23
Sale of Property, Plant and Equipment	0.02	0.02	0.15	-	0.01	-
Investment in Securities	-1,718	-1,737	-2,062	804.88	-1,744	-584.39
Investing Cash Flow	-1,813	-1,844	-2,145	749.17	-1,810	-642.62
Long-Term Debt Issued	-	550.95	440.76	440.76	606.05	183.65
Long-Term Debt Repaid	-	-440.76	-514.22	-367.3	-459.13	-752.97
Net Debt Issued (Repaid)	348.94	110.19	-73.46	73.46	146.92	-569.32
Issuance of Common Stock	1,010	-	-	-	-	1,286
Repurchase of Common Stock	-	-	-	-	-	-500
Common Dividends Paid	-290.1	-75.53	-75.53	-75.53	-260.53	-162.3
Net Increase (Decrease) in Deposit Accounts	4,628	2,836	3,537	2,433	-2,184	1,477
Other Financing Activities	-0.73	-	-	-	-1.03	-6.08
Financing Cash Flow	5,696	2,871	3,388	2,431	-2,298	1,525
Net Cash Flow	-1,096	-1,742	-1,247	2,144	2,331	-2,009
Free Cash Flow	-5,074	-2,876	-2,573	-1,092	6,373	-2,949
Free Cash Flow Margin	-302.38%	-201.94%	-280.14%	-181.52%	40513.65%	-264.50%
Free Cash Flow Per Share	-2.28	-1.29	-1.16	-0.49	2.86	-1.32

Source: S&P Capital IQ. Banks template. Financial Sources.