United Arab Bank P.J.S.C. Cash Flow Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	404.27	300.96	255.31	154.72	70.19	-667.3	Upgrade
Depreciation & Amortization	22.27	22.06	22.48	23.32	24.9	27.94	Upgrade
Other Amortization	1.84	1.84	-	-	-	-	Upgrade
Gain (Loss) on Sale of Assets	-15.35	-0.1	-63.57	-48.02	-27.79	-2.19	Upgrade
Gain (Loss) on Sale of Investments	-28.12	3.55	4.82	15.12	-20.15	14.42	Upgrade
Total Asset Writedown	9.71	13.68	4.34	4.29	7.42	146.54	Upgrade
Provision for Credit Losses	-23.75	-12.12	100.38	96.66	126	642.67	Upgrade
Change in Other Net Operating Assets	-3,163	-3,905	-1,033	473.99	1,901	2,113	Upgrade
Other Operating Activities	34.62	34.7	-0.66	-12.68	-0.85	23.61	Upgrade
Operating Cash Flow	-2,757	-3,541	-709.86	707.4	2,081	2,299	Upgrade
Operating Cash Flow Growth	-	-	-	-66.01%	-9.47%	255.73%	Upgrade
Capital Expenditures	-76.68	-46.01	-22.68	-12.86	-12.67	-27.82	Upgrade
Sale of Property, Plant and Equipment	0.03	0.13	153	-	-	-	Upgrade
Investment in Securities	-1,675	-879.67	-1,175	-687.39	-344.24	271.47	Upgrade
Other Investing Activities	29	-	16.7	148.53	50.55	30.49	Upgrade
Investing Cash Flow	-1,723	-925.54	-1,028	-551.73	-306.36	274.14	Upgrade
Long-Term Debt Issued	-	-	734.6	-	-	-	Upgrade
Long-Term Debt Repaid	-	-	-	-	-	-1,487	Upgrade
Net Debt Issued (Repaid)	-	-	734.6	-	-	-1,487	Upgrade
Issuance of Common Stock	1,038	-	550.88	-	-	-	Upgrade
Repurchase of Common Stock	-	-	-3.89	-	-	-	Upgrade
Common Dividends Paid	-44.38	-44.4	-22.2	-	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	2,338	3,340	1,669	-1,838	-840.41	-1,439	Upgrade
Other Financing Activities	-7.6	0.87	-6.51	-	-	-	Upgrade
Financing Cash Flow	3,325	3,296	2,922	-1,838	-840.41	-2,926	Upgrade
Net Cash Flow	-1,156	-1,170	1,184	-1,682	934.18	-353.39	Upgrade
Free Cash Flow	-2,834	-3,587	-732.54	694.53	2,068	2,271	Upgrade
Free Cash Flow Growth	-	-	-	-66.42%	-8.92%	265.38%	Upgrade
Free Cash Flow Margin	-351.18%	-552.94%	-135.63%	170.01%	658.89%	-	Upgrade
Free Cash Flow Per Share	-1.28	-1.74	-0.36	0.34	1.00	1.10	Upgrade

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