ADX:RAKBANK Cash Flow Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	-	2,072	1,784	1,170	756.13
Depreciation & Amortization	-	63.5	61.17	68.6	73.42
Other Amortization	-	98.84	105.33	79.65	83.54
Gain (Loss) on Sale of Assets	-	1.77	-3.65	-0.03	-13.16
Gain (Loss) on Sale of Investments	-	-224.11	-148.3	296.34	-41.05
Provision for Credit Losses	-	776.02	1,005	797.42	1,077
Change in Trading Asset Securities	-	-168.8	-112.2	-	-
Change in Other Net Operating Assets	-	-8,475	-4,100	-2,761	-4,157
Other Operating Activities	-	210.4	18.07	-1.98	5.55
Operating Cash Flow	-	-5,645	-1,390	-350.72	-2,216
Capital Expenditures	-	-233.56	-165.38	-82.59	-53.59
Sale of Property, Plant and Equipment	-	0.15	12.24	0.09	41.15
Investment in Securities	-	-2,985	-1,431	-2,673	-1,450
Investing Cash Flow	-	-3,219	-1,584	-2,755	-1,462
Long-Term Debt Issued	-	4,213	1,650	-	2,509
Long-Term Debt Repaid	-	-1,863	-2,205	-1,304	-871.14
Net Debt Issued (Repaid)	-	2,350	-555.22	-1,304	1,638
Common Dividends Paid	-	-623.56	-569.92	-377.16	-251.44
Net Increase (Decrease) in Deposit Accounts	-	9,255	5,524	5,945	1,982
Other Financing Activities	-	-	-	-2.02	-2.02
Financing Cash Flow	-	10,981	4,399	4,262	3,367
Net Cash Flow	-	2,117	1,424	1,155	-311.5
Free Cash Flow	-	-5,879	-1,556	-433.3	-2,269
Free Cash Flow Margin	-	-149.34%	-45.78%	-16.68%	-105.36%
Free Cash Flow Per Share	-	-2.92	-0.77	-0.21	-1.13

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.