DFM:DIB 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
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
Net Income	8,095	7,934	6,798	5,474	4,391	3,294
Depreciation & Amortization	272.15	265.36	273.33	251.35	247.13	258.5
Other Amortization	0.17	0.17	0.17	3.19	4.87	4.31
Gain (Loss) on Sale of Assets	-1,027	-1,032	-460.2	-248.62	-224.08	-77.57
Gain (Loss) on Sale of Investments	-81.46	-96.66	-0.69	-9.16	-490.53	-504.56
Total Asset Writedown	2.9	-0.61	71.13	775.97	476.91	742.3
Provision for Credit Losses	247.13	407.42	1,325	1,327	1,971	3,809
Change in Other Net Operating Assets	-50,279	-23,975	-12,288	5,821	-846.75	-13,537
Other Operating Activities	704.02	927.32	123.03	30.85	4.5	-1,214
Operating Cash Flow	-42,615	-16,054	-4,374	13,298	5,418	-7,245
Operating Cash Flow Growth	-	-	-	145.42%	-	-
Capital Expenditures	-1,098	-668.66	-512.96	-620.57	-333.53	-327.61
Sale of Property, Plant and Equipment	1,555	1,195	955.16	553.31	314.02	226.94
Investment in Securities	-16,083	-13,653	-16,661	-10,670	-6,161	2,696
Income (Loss) Equity Investments	-548.86	-485.27	-214.93	-128.3	-115.95	-20.14
Other Investing Activities	16.18	17.13	30.93	56.06	20.6	50.27
Investing Cash Flow	-14,904	-12,286	-16,005	-10,203	-5,700	2,478
Long-Term Debt Issued	-	3,673	3,673	5,510	3,671	4,781
Long-Term Debt Repaid	-	-	-5,509	-3,673	-1,837	-4,408
Net Debt Issued (Repaid)	-2,755	3,673	-1,836	1,837	1,835	373.06
Issuance of Common Stock	1,837	1,837	-	-	1,837	3,673
Repurchase of Common Stock	-2,755	-	-	-	-5,510	-
Common Dividends Paid	-3,715	-3,753	-2,572	-2,211	-2,000	-3,064
Net Increase (Decrease) in Deposit Accounts	65,110	26,456	24,529	-5,889	510.26	6,358
Other Financing Activities	-27.87	-3.29	-0.28	-0.29	-2.78	-8.13
Financing Cash Flow	57,694	28,210	20,121	-6,264	-3,331	7,332
Foreign Exchange Rate Adjustments	-37.28	4.99	-142.02	-89.93	2.02	-21.36
Net Cash Flow	138.1	-126.17	-400.19	-3,259	-3,610	11,654
Free Cash Flow	-43,713	-16,723	-4,887	12,677	5,085	-7,572
Free Cash Flow Growth	-	-	-	149.31%	-	-
Free Cash Flow Margin	-330.10%	-134.71%	-48.46%	151.56%	72.36%	-138.80%
Free Cash Flow Per Share	-6.05	-2.31	-0.68	1.75	0.70	-1.05
Cash Income Tax Paid	802.86	146.07	142.13	76.23	44.78	56.07

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