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	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	437.86	300.96	255.31	154.72	70.19
Depreciation & Amortization	21.15	22.06	22.48	23.32	24.9
Other Amortization	2	1.84	-	-	-
Gain (Loss) on Sale of Assets	-15.35	-0.1	-63.57	-48.02	-27.79
Gain (Loss) on Sale of Investments	-47.7	3.55	4.82	15.12	-20.15
Total Asset Writedown	9.95	13.68	4.34	4.29	7.42
Provision for Credit Losses	91.43	-12.12	100.38	96.66	126
Change in Other Net Operating Assets	-2,750	-3,668	-1,033	473.99	1,901
Other Operating Activities	-36.77	34.7	-0.66	-12.68	-0.85
Operating Cash Flow	-2,287	-3,303	-709.86	707.4	2,081
Operating Cash Flow Growth	-	-	-	-66.01%	-9.47%
Capital Expenditures	-70.27	-46.01	-22.68	-12.86	-12.67
Sale of Property, Plant and Equipment	0.03	0.13	153	-	-
Investment in Securities	-1,697	-879.67	-1,175	-687.39	-344.24
Other Investing Activities	29	-	16.7	148.53	50.55
Investing Cash Flow	-1,739	-925.54	-1,028	-551.73	-306.36
Long-Term Debt Issued	1,000	-	734.6	-	-
Long-Term Debt Repaid	-734.6	-	-	-	-
Net Debt Issued (Repaid)	265.4	-	734.6	-	-
Issuance of Common Stock	1,034	0.87	550.88	-	-
Repurchase of Common Stock	-	-	-3.89	-	-
Common Dividends Paid	-44.4	-44.4	-22.2	-	-
Net Increase (Decrease) in Deposit Accounts	4,232	3,340	1,669	-1,838	-840.41
Other Financing Activities	-12.67	-	-6.51	-	-
Financing Cash Flow	5,474	3,296	2,922	-1,838	-840.41
Net Cash Flow	1,448	-932.92	1,184	-1,682	934.18
Free Cash Flow	-2,357	-3,349	-732.54	694.53	2,068
Free Cash Flow Growth	-	-	-	-66.42%	-8.92%
Free Cash Flow Margin	-278.22%	-516.38%	-135.63%	170.01%	658.89%
Free Cash Flow Per Share	-0.96	-1.63	-0.36	0.34	1.00

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