ADX:RAKBANK 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	2,902	2,600	2,072	1,784	1,170	756.13
Depreciation & Amortization	80.01	71.79	63.5	61.17	68.6	73.42
Other Amortization	101.95	101.95	98.84	105.33	79.65	83.54
Gain (Loss) on Sale of Assets	-473.51	-0.06	1.77	-3.65	-0.03	-13.16
Gain (Loss) on Sale of Investments	-297.92	-384.49	-224.11	-148.3	296.34	-41.05
Provision for Credit Losses	597	450.55	776.02	1,005	797.42	1,077
Change in Trading Asset Securities	-404.33	158.27	-168.8	-112.2	-	-
Change in Other Net Operating Assets	-10,611	-7,974	-8,475	-4,100	-2,761	-4,157
Other Operating Activities	85.84	62.48	210.4	18.07	-1.98	5.55
Operating Cash Flow	-8,020	-4,913	-5,645	-1,390	-350.72	-2,216
Capital Expenditures	-288.57	-281	-233.56	-165.38	-82.59	-53.59
Sale of Property, Plant and Equipment	0.06	0.06	0.15	12.24	0.09	41.15
Investment in Securities	-2,617	-2,294	-2,985	-1,431	-2,673	-1,450
Investing Cash Flow	-2,520	-2,575	-3,219	-1,584	-2,755	-1,462
Long-Term Debt Issued	-	1,595	4,213	1,650	-	2,509
Long-Term Debt Repaid	-	-18.67	-1,863	-2,205	-1,304	-871.14
Net Debt Issued (Repaid)	1,353	1,576	2,350	-555.22	-1,304	1,638
Issuance of Common Stock	1,096	1,096	-	-	-	-
Common Dividends Paid	-2,309	-1,006	-623.56	-569.92	-377.16	-251.44
Net Increase (Decrease) in Deposit Accounts	13,270	10,810	9,255	5,524	5,945	1,982
Other Financing Activities	-	-	-	-	-2.02	-2.02
Financing Cash Flow	13,410	12,477	10,981	4,399	4,262	3,367
Net Cash Flow	2,870	4,989	2,117	1,424	1,155	-311.5
Free Cash Flow	-8,308	-5,194	-5,879	-1,556	-433.3	-2,269
Free Cash Flow Margin	-163.14%	-110.11%	-149.34%	-45.78%	-16.68%	-105.36%
Free Cash Flow Per Share	-4.13	-2.58	-2.92	-0.77	-0.21	-1.13
Cash Income Tax Paid	206.51	206.51	-	-	-	-