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 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	68.98	42.31	47.14	34.33	32.5
Depreciation & Amortization	19.25	13.12	12.74	13.41	13.01
Other Amortization	8.26	6.87	6.9	6.34	5.4
Gain (Loss) on Sale of Assets	-1.24	-2.33	0.04	-0.78	0.11
Gain (Loss) on Sale of Investments	-2.7	-0.81	-1.07	1.53	-1.46
Total Asset Writedown	1.63	-0.87	-0.59	0.9	1.68
Provision for Credit Losses	195.05	69.32	42.31	35.08	27.63
Change in Trading Asset Securities	-2.92	8.02	-6.77	-1.59	-2.23
Change in Other Net Operating Assets	-573.87	-340.6	-172.03	-697.86	-414.71
Other Operating Activities	-120.9	5.46	4.73	9.37	2.16
Operating Cash Flow	-408.48	-199.5	-66.6	-599.28	-335.91
Capital Expenditures	-16.66	-20.31	-15.99	-11	-6.31
Sale of Property, Plant and Equipment	0.46	3.24	0.1	0.19	0.08
Investment in Securities	-271.5	-275.25	-317.81	-235.85	-201.14
Income (Loss) Equity Investments	-0.01	0.02	-0	-0.01	-0
Purchase / Sale of Intangibles	-11.18	-7.96	-8.54	-6.4	-6.43
Other Investing Activities	-	-	-	0.01	0.01
Investing Cash Flow	-298.87	-300.29	-342.23	-253.05	-213.79
Long-Term Debt Issued	9	30.37	133.78	57.96	18.41
Long-Term Debt Repaid	-47.93	-5.68	-5.03	-4.59	-4.16
Net Debt Issued (Repaid)	-38.93	24.69	128.75	53.37	14.25
Common Dividends Paid	-19.29	-19.98	-15.99	-19.68	-19.82
Net Increase (Decrease) in Deposit Accounts	1,555	755.32	465.01	275.97	907.36
Other Financing Activities	-4.42	-3.03	-6.02	-0.78	-2.86
Financing Cash Flow	1,492	757.01	571.74	308.88	898.94
Foreign Exchange Rate Adjustments	16.08	5.79	4.24	1.52	1.8
Net Cash Flow	1,024	263.02	167.15	-541.93	351.04
Free Cash Flow	-425.14	-219.81	-82.59	-610.28	-342.22
Free Cash Flow Margin	-195.14%	-93.85%	-37.28%	-316.76%	-205.34%
Free Cash Flow Per Share	-1.62	-1.10	-0.41	-3.05	-1.71
Cash Interest Paid	2.85	2.87	1.27	0.36	0.3
Cash Income Tax Paid	44.21	33.89	35.09	26.59	30.37

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