Quds Bank Cash Flow Statement

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

Millions USD. 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	7.03	9.79	8.96	20.31	14.07	10.9
Depreciation & Amortization	4.28	3.7	5.09	5.61	5.56	5.44
Other Amortization	1.35	1.35	-	-	-	-
Gain (Loss) on Sale of Assets	0.22	0.17	0.7	1.65	0.19	0.25
Gain (Loss) on Sale of Investments	-2.32	-0.41	0.04	-2.3	-1.18	0
Total Asset Writedown	-0.76	-0.76	0.28	-	-	-
Provision for Credit Losses	20.79	23.84	28.81	11.01	6.73	7.64
Change in Other Net Operating Assets	-94.99	13.74	-90.48	-17.84	-94.78	-72.73
Other Operating Activities	-4.93	-15.38	-4.78	-3.2	3.26	-1.88
Operating Cash Flow	-69.42	35.81	-51.64	15.01	-66.34	-50.51
Capital Expenditures	-9.21	-7.45	-11.12	-6.57	-4.22	-4.47
Sale of Property, Plant and Equipment	0.2	0.04	0.04	-	0.1	0.23
Investment in Securities	-2.56	5.76	-25.42	17.26	-29.22	-15.1
Income (Loss) Equity Investments	-0.09	-0.23	-0.25	-0.22	-0.18	-0.12
Purchase / Sale of Intangibles	-0.63	-0.45	-0.68	-1.13	-1.05	-0.54
Other Investing Activities	8.47	5.79	4.81	2.97	2.44	1.52
Investing Cash Flow	-3.73	3.69	-32.38	12.54	-31.95	-18.36
Long-Term Debt Issued	-	10.36	6.74	0.15	40.37	9.81
Total Debt Issued	10.33	10.36	6.74	0.15	40.37	9.81
Long-Term Debt Repaid	-	-2.96	-2.89	-40.32	-4.91	-3.63
Total Debt Repaid	-2.68	-2.96	-2.89	-40.32	-4.91	-3.63
Net Debt Issued (Repaid)	7.65	7.4	3.85	-40.17	35.46	6.18
Common Dividends Paid	-7.65	-0.07	-9.91	-6.27	-4.43	-5.2
Net Increase (Decrease) in Deposit Accounts	66.13	61.64	14.34	-42.95	117.47	52.28
Other Financing Activities	-	-	-	-	0.13	1.07
Financing Cash Flow	66.13	68.97	8.28	-89.39	148.62	54.33
Net Cash Flow	-7.03	108.48	-75.73	-61.84	49.44	-14.54
Free Cash Flow	-78.64	28.37	-62.76	8.45	-70.56	-54.98
Free Cash Flow Margin	-147.90%	56.22%	-107.15%	12.19%	-115.76%	-105.69%
Free Cash Flow Per Share	-0.71	0.26	-0.57	0.08	-0.64	-0.50
Cash Interest Paid	79.1	79.1	13.72	12.11	13.85	13.52
Cash Income Tax Paid	10.25	10.25	4.17	6.91	3.19	4.67

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