Ajman Bank PJSC Cash Flow Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	494.92	500.04	400.65	-390.36	162.07	116.16
Depreciation & Amortization	25.07	23.36	23.44	28.52	26.9	25.05
Gain (Loss) on Sale of Assets	0.09	0.09	-	-7.13	0.11	-0.02
Gain (Loss) on Sale of Investments	-73.57	-66.26	-82.37	82.87	104.02	-2.79
Total Asset Writedown	-18.27	-18.27	-3.7	59.61	2.67	-12.03
Provision for Credit Losses	-52.62	-76.58	-	269.67	48.67	264.97
Change in Other Net Operating Assets	-6,731	-4,052	1,760	-2,950	-2,346	1,475
Other Operating Activities	-181.46	-158.54	-81.62	296.45	-76.98	-82.55
Operating Cash Flow	-6,537	-3,848	2,017	-2,610	-2,078	1,784
Capital Expenditures	-87.63	-58.63	-34.07	-31.08	-30.08	-18.12
Sale of Property, Plant and Equipment	-	-	-	10.54	0.05	0.17
Investment in Securities	-1,844	-1,888	-592.8	-515.27	-79.04	-1,319
Other Investing Activities	213.22	193.82	134.3	126.36	97.86	89.72
Investing Cash Flow	-1,722	-1,757	-494.66	-414.11	-23.09	-1,252
Long-Term Debt Issued	-	1,817	-	-	-	-
Net Debt Issued (Repaid)	1,817	1,817	-	-	-	-
Issuance of Common Stock	15.18	11.19	-	550	-	-
Repurchase of Common Stock	-	-	-22.79	-60.33	-	-
Common Dividends Paid	-250.02	-197.45	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	5,573	5,684	-1,663	3,393	1,069	1,037
Other Financing Activities	-	-	-	-2.49	-	-
Financing Cash Flow	7,155	7,315	-1,686	3,880	1,069	1,037
Net Cash Flow	-1,104	1,709	-163.96	855.52	-1,033	1,569
Free Cash Flow	-6,624	-3,907	1,983	-2,641	-2,108	1,766
Free Cash Flow Margin	-700.02%	-414.50%	246.06%	-6811.09%	-434.08%	454.24%
Free Cash Flow Per Share	-2.44	-1.45	0.74	-1.03	-0.86	0.81
Cash Income Tax Paid	39.51	39.51	-	-	-	-