The National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK)

ADX:RAKBANK 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	2,459	2,072	1,784	1,170	756.13	503.78
Depreciation & Amortization	64.59	63.5	61.17	68.6	73.42	160.31
Other Amortization	98.84	98.84	105.33	79.65	83.54	-
Gain (Loss) on Sale of Assets	-0.13	1.77	-3.65	-0.03	-13.16	3.25
Gain (Loss) on Sale of Investments	-356.5	-224.11	-148.3	296.34	-41.05	-216.73
Provision for Credit Losses	541.27	776.02	1,005	797.42	1,077	1,663
Change in Trading Asset Securities	-356	-168.8	-112.2	-	-	-
Change in Other Net Operating Assets	-6,070	-8,475	-4,100	-2,761	-4,157	988.51
Other Operating Activities	252.88	210.4	18.07	-1.98	5.55	1.49
Operating Cash Flow	-3,366	-5,645	-1,390	-350.72	-2,216	3,104
Capital Expenditures	-272.12	-233.56	-165.38	-82.59	-53.59	-97.08
Sale of Property, Plant and Equipment	0.12	0.15	12.24	0.09	41.15	6.66
Investment in Securities	-2,059	-2,985	-1,431	-2,673	-1,450	417.15
Investing Cash Flow	-2,331	-3,219	-1,584	-2,755	-1,462	326.73
Long-Term Debt Issued	-	4,213	1,650	-	2,509	-
Long-Term Debt Repaid	-	-1,863	-2,205	-1,304	-871.14	-1,313
Net Debt Issued (Repaid)	1,301	2,350	-555.22	-1,304	1,638	-1,313
Issuance of Common Stock	1,066	-	-	-	-	-
Common Dividends Paid	-1,006	-623.56	-569.92	-377.16	-251.44	-502.87
Net Increase (Decrease) in Deposit Accounts	8,355	9,255	5,524	5,945	1,982	117.96
Other Financing Activities	-	-	-	-2.02	-2.02	-
Financing Cash Flow	9,717	10,981	4,399	4,262	3,367	-1,698
Net Cash Flow	4,020	2,117	1,424	1,155	-311.5	1,733
Free Cash Flow	-3,638	-5,879	-1,556	-433.3	-2,269	3,007
Free Cash Flow Margin	-80.60%	-149.34%	-45.78%	-16.68%	-105.36%	158.19%
Free Cash Flow Per Share	-1.81	-2.92	-0.77	-0.21	-1.13	1.50

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.