Emirates NBD Bank PJSC (DFM:EMIRATESNBD)

Emirates NBD 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	21,728	22,973	21,480	13,003	9,298	6,960
Depreciation & Amortization	1,395	1,279	961	965	964.27	1,020
Gain (Loss) on Sale of Assets	71	6	-389	-25	-326.24	0.03
Gain (Loss) on Sale of Investments	-3,144	-4,075	-2,221	-4,218	-1,657	1,821
Total Asset Writedown	119	117	108	117	130.21	123.02
Provision for Credit Losses	2,157	-404	4,466	5,319	6,235	7,876
Change in Trading Asset Securities	3,186	3,083	2,307	-7,328	2,555	-6,095
Change in Other Net Operating Assets	-116,537	-54,521	-95,003	-22,775	21,862	-115.78
Other Operating Activities	3,901	6,780	6,017	5,019	4,205	-486.47
Operating Cash Flow	-87,141	-24,774	-62,281	-9,938	43,268	11,068
Operating Cash Flow Growth	-	-	-	-	290.94%	-
Capital Expenditures	-949	-2,903	-1,447	-656	-448.26	-747.23
Sale of Property, Plant and Equipment	371	-	-	-	-	-
Investment in Securities	-21,765	-22,850	-45,787	-18,621	-33,971	-18,087
Income (Loss) Equity Investments	-17	-12	-7	-15	2.4	-34.23
Divestitures	-	-	-	-	546.73	-
Other Investing Activities	17	12	7	15	18.74	22.06
Investing Cash Flow	-22,326	-25,741	-47,227	-19,262	-33,854	-18,812
Long-Term Debt Issued	-	30,443	23,386	6,994	27,473	20,100
Long-Term Debt Repaid	-	-19,471	-8,050	-12,963	-16,986	-13,487
Net Debt Issued (Repaid)	6,281	10,972	15,336	-5,969	10,487	6,613
Issuance of Common Stock	3,664	-	-	-	2,749	2,748
Repurchase of Common Stock	-3,664	-	-	-	-4,000	-1,836
Common Dividends Paid	-6,849	-8,084	-4,297	-3,666	-3,117	-3,175
Net Increase (Decrease) in Deposit Accounts	112,297	82,216	81,608	46,469	-7,713	-7,984
Financing Cash Flow	111,659	85,104	92,647	36,834	-1,594	-3,635
Net Cash Flow	2,192	34,589	-16,861	7,634	7,820	-11,380
Free Cash Flow	-88,090	-27,677	-63,728	-10,594	42,820	10,320
Free Cash Flow Growth	-	-	-	-	314.90%	-
Free Cash Flow Margin	-196.73%	-62.70%	-160.62%	-38.77%	238.91%	67.57%
Free Cash Flow Per Share	-13.96	-4.39	-10.10	-1.68	6.79	1.64
Cash Income Tax Paid	1,849	1,665	1,454	1,426	689.19	388.64

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