ADX:NBF 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	1,241	1,205	850.11	725.07	340.38	115.25
Depreciation & Amortization	75.05	68.15	54.55	34.13	33.62	28.6
Gain (Loss) on Sale of Assets	-	-0.16	-0.18	-0.02	-0.15	-
Gain (Loss) on Sale of Investments	-31.47	-26.87	-3.76	9.82	-10.05	-40.71
Provision for Credit Losses	522.88	572.46	687.16	854.38	890.17	841.76
Change in Income Taxes	-84.54	-84.54	-	-	-	-
Change in Other Net Operating Assets	-2,177	-6,163	-4,708	-4,412	-3,750	-1,980
Other Operating Activities	29.15	20.76	24.85	19.79	6.67	-0.63
Operating Cash Flow	-424.82	-4,408	-3,095	-2,769	-2,490	-1,036
Capital Expenditures	-83.65	-91.47	-100.58	-106.69	-83.69	-55.71
Sale of Property, Plant and Equipment	-	0.16	0.18	0.02	0.15	-
Investment in Securities	-529.26	-939.71	-1,279	-1,737	-2,062	804.88
Investing Cash Flow	-612.91	-1,031	-1,380	-1,844	-2,145	749.17
Long-Term Debt Issued	-	91.83	440.76	550.95	440.76	440.76
Long-Term Debt Repaid	-	-	-183.65	-440.76	-514.22	-367.3
Net Debt Issued (Repaid)	165.29	91.83	257.11	110.19	-73.46	73.46
Issuance of Common Stock	-	-	1,010	-	-	-
Repurchase of Common Stock	-	-	-1,286	-	-	-
Common Dividends Paid	-	-387.06	-306.67	-75.53	-75.53	-75.53
Net Increase (Decrease) in Deposit Accounts	2,148	5,224	7,185	2,836	3,537	2,433
Other Financing Activities	-	-	-0.82	-	-	-
Financing Cash Flow	2,313	4,929	6,859	2,871	3,388	2,431
Net Cash Flow	1,276	-509.59	2,384	-1,742	-1,247	2,144
Free Cash Flow	-508.47	-4,499	-3,196	-2,876	-2,573	-1,092
Free Cash Flow Margin	-23.31%	-213.24%	-183.13%	-201.94%	-280.14%	-181.52%
Free Cash Flow Per Share	-0.20	-1.74	-1.24	-1.11	-1.16	-0.49
Cash Income Tax Paid	84.54	84.54	-	-	-	-