The United Bank Cash Flow Statement

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

Millions EGP. 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	2,631	2,820	1,732	1,324	1,139	1,309
Depreciation & Amortization	153.17	147.67	133.36	94.74	88.52	86.82
Gain (Loss) on Sale of Assets	-23.07	-10.53	-73.24	-51.2	-12.57	66.94
Gain (Loss) on Sale of Investments	131.63	141.55	187.43	182.63	101.57	39.08
Change in Trading Asset Securities	-4,728	-1,631	2,560	2,655	-2,312	-6,946
Change in Other Net Operating Assets	-12,856	-44,602	10,413	7,382	7,797	1,255
Other Operating Activities	1,697	1,443	1,065	737.17	392.43	25.39
Operating Cash Flow	-12,993	-41,692	16,017	12,325	7,193	-4,163
Operating Cash Flow Growth	-	-	29.96%	71.33%	-	-
Capital Expenditures	-768.09	-519.34	-261.85	-251.5	-378.33	-254.87
Sale of Property, Plant and Equipment	48.08	25.69	97.87	56.51	14.37	14.22
Investment in Securities	2,668	1,428	1,068	-8,863	335.67	-97.16
Other Investing Activities	136.91	12.23	125.24	93.95	23.08	14.87
Investing Cash Flow	2,085	946.14	1,029	-8,965	-5.21	-322.93
Long-Term Debt Repaid	-	-1,063	-1,841	-603.49	-325.38	-777.53
Net Debt Issued (Repaid)	-1,536	-1,063	-1,841	-603.49	-325.38	-777.53
Issuance of Common Stock	-	-	-	150	-	30
Common Dividends Paid	-1,848	-890.88	-160.45	-167.9	-172.67	-210.27
Net Increase (Decrease) in Deposit Accounts	15,356	12,486	4,141	1,068	7,628	1,701
Other Financing Activities	2,367	1,125	1,689	733.02	789.67	646.98
Financing Cash Flow	14,339	11,658	3,830	1,180	7,920	1,391
Net Cash Flow	3,431	-29,088	20,876	4,540	15,108	-3,095
Free Cash Flow	-13,761	-42,211	15,755	12,073	6,815	-4,418
Free Cash Flow Growth	-	-	30.50%	77.15%	-	-
Free Cash Flow Margin	-224.95%	-745.19%	399.91%	372.26%	257.79%	-167.42%
Free Cash Flow Per Share	-12.51	-38.37	14.32	24.15	18.35	-12.33
Cash Income Tax Paid	29.87	36.28	17.79	12.19	10.55	11.3

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