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 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	1,174	850.11	725.07	340.38	115.25	-475.25
Depreciation & Amortization	62.7	54.55	34.13	33.62	28.6	31.46
Gain (Loss) on Sale of Assets	-0.34	-0.18	-0.02	-0.15	-	-0.01
Gain (Loss) on Sale of Investments	-10.49	-3.76	9.82	-10.05	-40.71	-16.16
Provision for Credit Losses	687.16	687.16	854.38	890.17	841.76	1,365
Change in Other Net Operating Assets	-6,278	-5,395	-4,412	-3,750	-1,980	5,532
Other Operating Activities	-10	24.85	19.79	6.67	-0.63	2.69
Operating Cash Flow	-4,517	-3,782	-2,769	-2,490	-1,036	6,440
Capital Expenditures	-98.11	-100.58	-106.69	-83.69	-55.71	-66.61
Sale of Property, Plant and Equipment	0.34	0.18	0.02	0.15	-	0.01
Investment in Securities	-796.72	-1,279	-1,737	-2,062	804.88	-1,744
Investing Cash Flow	-894.49	-1,380	-1,844	-2,145	749.17	-1,810
Long-Term Debt Issued	-	440.76	550.95	440.76	440.76	606.05
Long-Term Debt Repaid	-	-183.65	-440.76	-514.22	-367.3	-459.13
Net Debt Issued (Repaid)	183.65	257.11	110.19	-73.46	73.46	146.92
Issuance of Common Stock	-	1,010	-	-	-	-
Repurchase of Common Stock	-1,286	-1,286	-	-	-	-
Common Dividends Paid	-441.39	-306.67	-75.53	-75.53	-75.53	-260.53
Net Increase (Decrease) in Deposit Accounts	7,282	7,185	2,836	3,537	2,433	-2,184
Other Financing Activities	-0.09	-0.82	-	-	-	-1.03
Financing Cash Flow	5,738	6,859	2,871	3,388	2,431	-2,298
Net Cash Flow	326.79	1,697	-1,742	-1,247	2,144	2,331
Free Cash Flow	-4,615	-3,883	-2,876	-2,573	-1,092	6,373
Free Cash Flow Margin	-221.77%	-222.49%	-201.94%	-280.14%	-181.52%	40513.65%
Free Cash Flow Per Share	-1.88	-1.50	-1.11	-1.16	-0.49	2.86

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