Bank al Etihad Cash Flow Statement

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

Millions JOD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	42.31	47.14	34.33	32.5
Depreciation & Amortization	13.12	12.74	13.41	13.01
Other Amortization	6.87	6.9	6.34	5.4
Gain (Loss) on Sale of Assets	-2.33	0.04	-0.78	0.11
Gain (Loss) on Sale of Investments	-0.81	-1.07	1.53	-1.46
Total Asset Writedown	-0.87	-0.59	0.9	1.68
Provision for Credit Losses	69.32	42.31	35.08	27.63
Change in Trading Asset Securities	8.02	-6.77	-1.59	-2.23
Change in Other Net Operating Assets	-340.6	-172.03	-697.86	-414.71
Other Operating Activities	5.46	4.73	9.37	2.16
Operating Cash Flow	-199.5	-66.6	-599.28	-335.91
Capital Expenditures	-20.31	-15.99	-11	-6.31
Sale of Property, Plant and Equipment	3.24	0.1	0.19	0.08
Investment in Securities	-275.25	-317.81	-235.85	-201.14
Income (Loss) Equity Investments	0.02	-0	-0.01	-0
Purchase / Sale of Intangibles	-7.96	-8.54	-6.4	-6.43
Other Investing Activities	-	-	0.01	0.01
Investing Cash Flow	-300.29	-342.23	-253.05	-213.79
Long-Term Debt Issued	30.37	133.78	57.96	18.41
Long-Term Debt Repaid	-5.33	-5.03	-4.59	-4.16
Net Debt Issued (Repaid)	25.04	128.75	53.37	14.25
Common Dividends Paid	-19.98	-15.99	-19.68	-19.82
Net Increase (Decrease) in Deposit Accounts	755.32	465.01	275.97	907.36
Other Financing Activities	-3.37	-6.02	-0.78	-2.86
Financing Cash Flow	757.01	571.74	308.88	898.94
Foreign Exchange Rate Adjustments	5.79	4.24	1.52	1.8
Net Cash Flow	263.02	167.15	-541.93	351.04
Free Cash Flow	-219.81	-82.59	-610.28	-342.22
Free Cash Flow Margin	-93.85%	-37.28%	-316.76%	-205.34%
Free Cash Flow Per Share	-1.10	-0.41	-3.05	-1.71
Cash Interest Paid	3.21	1.27	0.36	0.3
Cash Income Tax Paid	33.89	35.09	26.59	30.37

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