Emirates NBD Bank PJSC (DFM:EMIRATESNBD)
United Arab Emirates · Delayed Price · Currency is AED 30.30
-0.32 (-1.05%)
Oct 28, 2026, 2:55 PM GST
Emirates NBD Bank PJSC Cash Flow Statement
Financials in millions AED. Fiscal year is January - December.
Millions AED. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 | 24,189 | 23,981 | 22,973 | 21,480 | 13,003 | 9,298 |
Depreciation & Amortization | 1,519 | 1,314 | 1,279 | 961 | 965 | 964.27 |
Gain (Loss) on Sale of Assets | -242 | 37 | 6 | -389 | -25 | -326.24 |
Gain (Loss) on Sale of Investments | -3,045 | -3,370 | -4,075 | -2,221 | -4,218 | -1,657 |
Total Asset Writedown | 41 | 108 | 117 | 108 | 117 | 130.21 |
Provision for Credit Losses | 4,840 | 2,731 | -404 | 4,466 | 5,319 | 6,235 |
Change in Trading Asset Securities | -10,353 | -985 | 3,083 | 2,307 | -7,328 | 2,555 |
Change in Other Net Operating Assets | -136,802 | -164,227 | -54,521 | -95,003 | -22,775 | 21,862 |
Other Operating Activities | 1,907 | 2,120 | 6,780 | 6,017 | 5,019 | 4,205 |
Operating Cash Flow | -117,956 | -138,305 | -24,774 | -62,281 | -9,938 | 43,268 |
Operating Cash Flow Growth | - | - | - | - | - | 290.94% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Capital Expenditures | -522 | -699 | -2,903 | -1,447 | -656 | -448.26 |
Cash Acquisitions | -6,222 | - | - | - | - | - |
Investment in Securities | 20,670 | -1,742 | -22,850 | -45,787 | -18,621 | -33,971 |
Income (Loss) Equity Investments | -10 | -14 | -12 | -7 | -15 | 2.4 |
Divestitures | - | - | - | - | - | 546.73 |
Other Investing Activities | 10 | 14 | 12 | 7 | 15 | 18.74 |
Investing Cash Flow | 13,936 | -2,427 | -25,741 | -47,227 | -19,262 | -33,854 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Long-Term Debt Issued | - | 33,477 | 30,443 | 23,386 | 6,994 | 27,473 |
Long-Term Debt Repaid | - | -22,402 | -19,471 | -8,050 | -12,963 | -16,986 |
Net Debt Issued (Repaid) | 21,127 | 11,075 | 10,972 | 15,336 | -5,969 | 10,487 |
Issuance of Common Stock | 2,754 | 3,664 | - | - | - | 2,749 |
Repurchase of Common Stock | -2,754 | -3,664 | - | - | - | -4,000 |
Common Dividends Paid | -6,814 | -6,850 | -8,084 | -4,297 | -3,666 | -3,117 |
Net Increase (Decrease) in Deposit Accounts | 132,193 | 119,247 | 82,216 | 81,608 | 46,469 | -7,713 |
Other Financing Activities | - | -70 | - | - | - | - |
Financing Cash Flow | 146,506 | 123,402 | 85,104 | 92,647 | 36,834 | -1,594 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 Cash Flow | 42,486 | -17,330 | 34,589 | -16,861 | 7,634 | 7,820 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Free Cash Flow | -118,478 | -139,004 | -27,677 | -63,728 | -10,594 | 42,820 |
Free Cash Flow Growth | - | - | - | - | - | 314.90% |
Free Cash Flow Margin | -232.16% | -290.17% | -62.70% | -160.62% | -38.77% | 238.91% |
Free Cash Flow Per Share | -18.77 | -22.03 | -4.39 | -10.10 | -1.68 | 6.79 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Cash Income Tax Paid | 4,390 | 3,693 | 1,665 | 1,454 | 1,426 | 689.19 |