Emirates Investment Bank P.J.S.C. (DFM:EIBANK)

DFM:EIBANK 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	97.07	108.71	107.54	-23.67	30.62	-29.32
Depreciation & Amortization	5.5	4.43	4.47	4.41	5.25	5.94
Other Amortization	0.34	0.36	0.4	0.26	0.16	0.46
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.02
Gain (Loss) on Sale of Investments	-21.09	-0.32	-23.34	54.91	-1.78	1.51
Total Asset Writedown	0.09	-	-	-	-	0.22
Provision for Credit Losses	2.3	2.35	0.01	0.02	-2.57	16.35
Change in Other Net Operating Assets	279.84	-67.74	-1,008	-849.25	-474.91	65.14
Other Operating Activities	14.23	11.18	0.25	-0.4	-0.16	-0.35
Operating Cash Flow	378.28	58.97	-918.85	-813.72	-443.39	59.96
Operating Cash Flow Growth	-	-	-	-	-	-92.40%
Capital Expenditures	-1.64	-0.23	-1.65	-0.51	-0.78	-0.29
Sale of Property, Plant and Equipment	-	-	-	-	-	0.01
Purchase / Sale of Intangibles	-9.64	-	-	-0.48	-0.88	-0.26
Investing Cash Flow	-11.28	-0.23	-1.65	-0.99	-1.67	-0.54
Long-Term Debt Repaid	-	-4	-3.61	-	-	-
Net Debt Issued (Repaid)	-5.19	-4	-3.61	-	-	-
Issuance of Common Stock	-	-	650	-	-	-
Net Increase (Decrease) in Deposit Accounts	-226.73	481.96	-183.45	1,400	146.02	186.85
Other Financing Activities	-	-	-1.28	-	-	-
Financing Cash Flow	-231.91	477.96	461.67	1,400	146.02	186.85
Net Cash Flow	135.09	536.71	-458.82	585.71	-299.04	246.27
Free Cash Flow	376.64	58.75	-920.49	-814.23	-444.18	59.67
Free Cash Flow Growth	-	-	-	-	-	-92.44%
Free Cash Flow Margin	192.63%	28.17%	-499.04%	-1737.22%	-449.05%	144.98%
Free Cash Flow Per Share	37.66	5.88	-125.13	-222.75	-126.91	17.05
Cash Interest Paid	86.79	82.22	85.19	15.56	9.98	33.88

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