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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	546.71	580.75	506.03	502.61	364.52	264.17
Depreciation & Amortization	18.56	16.3	13.53	15.62	18.04	17.51
Gain (Loss) on Sale of Assets	-3.82	-3.79	-7.96	-16.87	-3.98	0.03
Gain (Loss) on Sale of Investments	2.23	-0.1	-3.32	-10.43	-2.8	4.23
Total Asset Writedown	19.77	11.36	9.92	0.85	1.04	-
Provision for Credit Losses	61.65	48.2	94.45	114.19	14.68	-14.26
Change in Other Net Operating Assets	-3,402	-5,818	-1,496	-1,251	112.16	517.17
Other Operating Activities	-54.09	-52.28	-6.03	-38.99	-33.78	-30.8
Operating Cash Flow	-2,811	-5,217	-888.82	-683.4	469.87	758.24
Operating Cash Flow Growth	-	-	-	-	-38.03%	1.88%
Capital Expenditures	-12.18	-13.55	-28.05	-13.27	-6.35	-10.08
Sale of Property, Plant and Equipment	0.01	0.01	17.51	0.02	0.02	0.44
Investment in Securities	-1,010	-1,029	-154.84	-83.36	-140.51	43.49
Income (Loss) Equity Investments	0.07	0.26	0.31	0.29	-0.01	0.2
Other Investing Activities	63.45	63.32	54.41	41.66	36.42	36.41
Investing Cash Flow	-958.85	-978.92	-110.96	-54.96	-110.42	70.25
Long-Term Debt Repaid	-	-1.79	-1.78	-0.91	-1.65	-1.96
Net Debt Issued (Repaid)	-1.56	-1.79	-1.78	-0.91	-1.65	-1.96
Common Dividends Paid	-400	-360	-300	-200	-147.84	-147.84
Net Increase (Decrease) in Deposit Accounts	4,165	4,296	2,677	867.25	161.86	-524.74
Financing Cash Flow	3,763	3,934	2,375	666.35	12.37	-674.54
Net Cash Flow	-6.23	-2,262	1,375	-72.01	371.81	153.95
Free Cash Flow	-2,823	-5,231	-916.87	-696.67	463.52	748.16
Free Cash Flow Growth	-	-	-	-	-38.05%	1.37%
Free Cash Flow Margin	-347.55%	-619.66%	-125.45%	-104.10%	89.26%	186.51%
Free Cash Flow Per Share	-1.41	-2.62	-0.46	-0.35	0.24	0.39
Cash Income Tax Paid	45.03	45.03	-	-	-	-

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