DFM:CBD Cash Flow Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	3,378	3,030	2,650	1,825	1,451	1,120	Upgrade
Depreciation & Amortization	86.08	61.01	49.41	35.77	29.65	27.88	Upgrade
Other Amortization	-	0.62	0.97	0.97	1.03	2.19	Upgrade
Gain (Loss) on Sale of Assets	-	0.89	-0.11	-0.01	0.04	-15.65	Upgrade
Gain (Loss) on Sale of Investments	-277.59	-338.07	-176.82	18.91	-50.89	-143.99	Upgrade
Total Asset Writedown	6.49	34.61	147.72	56.16	40.87	14.45	Upgrade
Provision for Credit Losses	500.89	875.05	1,000	1,025	900.9	1,065	Upgrade
Change in Other Net Operating Assets	-11,389	-11,451	-10,278	1,485	-11,865	-3,117	Upgrade
Other Operating Activities	137.98	368.49	34.81	43.62	8.54	-49.36	Upgrade
Operating Cash Flow	-7,557	-7,419	-6,571	4,482	-9,496	-1,102	Upgrade
Capital Expenditures	-317.01	-221.23	-122.83	-77.48	-53.49	-50.09	Upgrade
Sale of Property, Plant and Equipment	1.4	1.4	0.44	2.53	4.47	31.46	Upgrade
Investment in Securities	-5,202	955.3	-5,912	-454.69	-3,863	544.48	Upgrade
Income (Loss) Equity Investments	-	-	-	-8.58	-11.53	-5.99	Upgrade
Other Investing Activities	23.55	16.41	16.41	6.26	2.93	2.79	Upgrade
Investing Cash Flow	-5,494	751.88	-6,018	-523.37	-3,910	528.64	Upgrade
Long-Term Debt Issued	-	1,212	3,670	-	819.4	2,204	Upgrade
Long-Term Debt Repaid	-	-	-	-551.44	-	-1,469	Upgrade
Net Debt Issued (Repaid)	3,901	1,212	3,670	-551.44	819.4	734.6	Upgrade
Common Dividends Paid	-1,647	-1,457	-862.34	-857.58	-692.78	-580.17	Upgrade
Net Increase (Decrease) in Deposit Accounts	13,467	9,275	7,206	-1,647	12,971	6,417	Upgrade
Other Financing Activities	-	-	-	-	-1.54	-7.95	Upgrade
Financing Cash Flow	15,721	9,030	10,014	-3,056	13,096	6,563	Upgrade
Net Cash Flow	2,670	2,363	-2,575	902.62	-309.27	5,989	Upgrade
Free Cash Flow	-7,874	-7,640	-6,694	4,405	-9,549	-1,152	Upgrade
Free Cash Flow Margin	-149.83%	-161.57%	-172.62%	156.11%	-405.12%	-59.32%	Upgrade
Free Cash Flow Per Share	-2.64	-2.56	-2.24	1.48	-3.20	-0.39	Upgrade
Cash Interest Paid	3,683	3,683	2,577	831.59	767.49	1,059	Upgrade
Cash Income Tax Paid	296.01	0.19	-	-	-	-	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.