United Arab Bank P.J.S.C. (ADX:UAB)

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

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

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

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