Ajman Bank PJSC (DFM:AJMANBANK)

Ajman Bank PJSC Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	491.06	400.65	-390.36	162.07	116.16	53.4
Depreciation & Amortization	23.08	23.44	28.52	26.9	25.05	26.08
Gain (Loss) on Sale of Assets	0.09	-	-7.13	0.11	-0.02	-
Gain (Loss) on Sale of Investments	-104.2	-6.18	82.87	104.02	-2.79	-17.44
Total Asset Writedown	-3.7	-3.7	59.61	2.67	-12.03	27.19
Provision for Credit Losses	218.07	218.07	269.67	48.67	264.97	288.59
Change in Other Net Operating Assets	-2,083	1,760	-2,950	-2,346	1,475	-663.1
Other Operating Activities	-441.53	-375.88	296.45	-76.98	-82.55	-82.94
Operating Cash Flow	-1,900	2,017	-2,610	-2,078	1,784	-380.82
Capital Expenditures	-40.47	-34.07	-31.08	-30.08	-18.12	-21.01
Sale of Property, Plant and Equipment	-	-	10.54	0.05	0.17	-
Investment in Securities	-1,856	-592.8	-515.27	-79.04	-1,319	670.99
Income (Loss) Equity Investments	-	-	-	-	-	-12.61
Divestitures	-	-	-	-	-	124.9
Other Investing Activities	168.24	134.3	126.36	97.86	89.72	88.22
Investing Cash Flow	-1,733	-494.66	-414.11	-23.09	-1,252	857.27
Issuance of Common Stock	-	-	550	-	-	-
Repurchase of Common Stock	-26.42	-22.79	-60.33	-	-	-
Common Dividends Paid	-197.45	-	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	1,252	-1,663	3,393	1,069	1,037	-696.6
Other Financing Activities	-	-	-2.49	-	-	-
Financing Cash Flow	2,844	-1,686	3,880	1,069	1,037	-696.6
Net Cash Flow	-788.48	-163.96	855.52	-1,033	1,569	-220.15
Free Cash Flow	-1,940	1,983	-2,641	-2,108	1,766	-401.83
Free Cash Flow Margin	-211.82%	246.06%	-6811.09%	-434.08%	454.24%	-117.56%
Free Cash Flow Per Share	-0.72	0.74	-1.03	-0.86	0.81	-0.18

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