Arab Bank Group Cash Flow Statement

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

Millions USD. 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	1,083	969.13	800.7	520.28	306.72
Depreciation & Amortization	155.69	75.89	122.14	108.48	107.38
Other Amortization	18.45	69.92	-	-	-
Gain (Loss) on Sale of Assets	-0.62	-0.22	-0.34	-0.72	-8.11
Gain (Loss) on Sale of Investments	-22.64	-11.56	11.71	37.44	40.11
Provision for Credit Losses	319.73	429.75	484.79	430.69	508.78
Change in Trading Asset Securities	-7.58	-16.56	20.72	-0.65	235.73
Change in Other Net Operating Assets	-3,329	-1,856	-1,420	-1,325	-757.56
Other Operating Activities	112.01	210.02	349.05	194.79	-149.11
Operating Cash Flow	-2,299	-721.03	-141.21	-419.24	7.12
Capital Expenditures	-168.32	-86.77	-66.75	-74.88	-77.35
Sale of Property, Plant and Equipment	7.18	5.55	3.24	3.42	42.04
Cash Acquisitions	66.45	-	-	-	689.12
Investment in Securities	-1,245	-1,662	-153.52	669.3	-1,272
Income (Loss) Equity Investments	-628.62	-591.14	-509.97	-384.49	-276.82
Divestitures	-	-	-5.89	-	-
Purchase / Sale of Intangibles	-128.66	-20.95	-154.46	-14.15	-26.87
Other Investing Activities	9.65	7.88	8.66	8.25	6.09
Investing Cash Flow	-1,467	-1,764	-368.72	591.93	-638.63
Long-Term Debt Issued	239	-	-	-	-
Long-Term Debt Repaid	-	-24.99	-12.56	-100.09	-39.28
Net Debt Issued (Repaid)	239	-24.99	-12.56	-100.09	-39.28
Issuance of Common Stock	-	67.93	269.34	-	250
Repurchase of Common Stock	-	-	-	-77.92	-
Common Dividends Paid	-442.61	-304.47	-259.41	-214.37	-143.59
Net Increase (Decrease) in Deposit Accounts	4,932	2,058	2,511	505.43	546.26
Other Financing Activities	-3.38	-12.19	-1.76	-2.12	-2.12
Financing Cash Flow	4,725	1,785	2,506	110.93	611.28
Foreign Exchange Rate Adjustments	202.8	-130.85	81.75	-109	-131.78
Net Cash Flow	1,162	-831.15	2,078	174.62	-152.02
Free Cash Flow	-2,467	-807.79	-207.96	-494.12	-70.23
Free Cash Flow Margin	-78.01%	-27.81%	-8.13%	-24.37%	-4.50%
Free Cash Flow Per Share	-3.85	-1.26	-0.33	-0.77	-0.11
Cash Interest Paid	1,936	1,840	1,504	887.94	809.35
Cash Income Tax Paid	420.31	372.38	300.46	241.44	284.36

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.