The United Bank Cash Flow Statement

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

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	2,421	2,820	1,732	1,324	1,139
Depreciation & Amortization	164.9	147.67	133.36	94.74	88.52
Gain (Loss) on Sale of Assets	-27.08	-10.53	-73.24	-51.2	-12.57
Gain (Loss) on Sale of Investments	109.78	141.55	187.43	182.63	101.57
Change in Trading Asset Securities	-16,633	-1,631	2,560	2,655	-2,312
Change in Other Net Operating Assets	-13,245	-44,602	10,413	7,382	7,797
Other Operating Activities	1,953	1,443	1,065	737.17	392.43
Operating Cash Flow	-25,257	-41,692	16,017	12,325	7,193
Operating Cash Flow Growth	-	-	29.96%	71.33%	-
Capital Expenditures	-476.28	-519.34	-261.85	-251.5	-378.33
Sale of Property, Plant and Equipment	50.08	25.69	97.87	56.51	14.37
Investment in Securities	3,854	1,428	1,068	-8,863	335.67
Other Investing Activities	151.17	12.23	125.24	93.95	23.08
Investing Cash Flow	3,579	946.14	1,029	-8,965	-5.21
Long-Term Debt Repaid	-2,028	-1,063	-1,841	-603.49	-325.38
Net Debt Issued (Repaid)	-2,028	-1,063	-1,841	-603.49	-325.38
Issuance of Common Stock	-	-	-	150	-
Common Dividends Paid	-1,152	-890.88	-160.45	-167.9	-172.67
Net Increase (Decrease) in Deposit Accounts	13,172	12,486	4,141	1,068	7,628
Other Financing Activities	2,237	1,125	1,689	733.02	789.67
Financing Cash Flow	12,228	11,658	3,830	1,180	7,920
Net Cash Flow	-9,449	-29,088	20,876	4,540	15,108
Free Cash Flow	-25,733	-42,211	15,755	12,073	6,815
Free Cash Flow Growth	-	-	30.50%	77.15%	-
Free Cash Flow Margin	-415.85%	-750.84%	399.91%	372.26%	257.79%
Free Cash Flow Per Share	-23.39	-38.37	14.32	24.15	18.35
Cash Income Tax Paid	29.84	36.28	17.79	12.19	10.55

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