National Bank of Umm Al-Qaiwain (PSC) (ADX:NBQ)

ADX:NBQ 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	570.61	506.03	502.61	364.52	264.17	211.77
Depreciation & Amortization	14.34	13.53	15.62	18.04	17.51	10.36
Gain (Loss) on Sale of Assets	-3.79	-7.96	-16.87	-3.98	0.03	0.12
Gain (Loss) on Sale of Investments	-3.93	-3.32	-10.43	-2.8	4.23	3.13
Total Asset Writedown	6.26	9.92	0.85	1.04	-	-
Provision for Credit Losses	62.09	94.45	114.19	14.68	-14.26	98.78
Change in Other Net Operating Assets	-3,239	-1,496	-1,251	112.16	517.17	446.79
Other Operating Activities	-53.28	-6.03	-38.99	-33.78	-30.8	-27.22
Operating Cash Flow	-2,646	-888.82	-683.4	469.87	758.24	744.25
Operating Cash Flow Growth	-	-	-	-38.03%	1.88%	-41.73%
Capital Expenditures	-17.69	-28.05	-13.27	-6.35	-10.08	-6.17
Sale of Property, Plant and Equipment	0.44	17.51	0.02	0.02	0.44	0.09
Investment in Securities	-960.38	-154.84	-83.36	-140.51	43.49	73.46
Income (Loss) Equity Investments	0.49	0.31	0.29	-0.01	0.2	0.51
Other Investing Activities	62.55	54.41	41.66	36.42	36.41	42.93
Investing Cash Flow	-915.08	-110.96	-54.96	-110.42	70.25	110.32
Long-Term Debt Repaid	-	-1.78	-0.91	-1.65	-1.96	-
Net Debt Issued (Repaid)	-1.52	-1.78	-0.91	-1.65	-1.96	-
Common Dividends Paid	-360	-300	-200	-147.84	-147.84	-203.28
Net Increase (Decrease) in Deposit Accounts	4,557	2,677	867.25	161.86	-524.74	-810.25
Financing Cash Flow	4,195	2,375	666.35	12.37	-674.54	-1,014
Net Cash Flow	633.94	1,375	-72.01	371.81	153.95	-158.97
Free Cash Flow	-2,664	-916.87	-696.67	463.52	748.16	738.08
Free Cash Flow Growth	-	-	-	-38.05%	1.37%	-42.05%
Free Cash Flow Margin	-323.39%	-125.45%	-104.10%	89.26%	186.51%	204.15%
Free Cash Flow Per Share	-1.33	-0.46	-0.35	0.24	0.39	0.37

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