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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	6.55	6.78	9.79	8.96	20.31	14.07
Depreciation & Amortization	7.61	6.88	3.7	5.09	5.61	5.56
Other Amortization	-	-	1.35	-	-	-
Gain (Loss) on Sale of Assets	-0.01	0.19	0.17	0.7	1.69	0.19
Gain (Loss) on Sale of Investments	0.5	-0.1	-0.41	0.04	-2.3	-1.18
Total Asset Writedown	-	-	-0.76	0.28	-	-
Provision for Credit Losses	16.67	15.4	23.84	28.81	11.01	6.73
Change in Other Net Operating Assets	-112.35	-67.95	13.74	-90.48	-17.84	-94.78
Other Operating Activities	1.71	0.02	-15.38	-4.78	-3.25	3.26
Operating Cash Flow	-78.82	-38.28	35.81	-51.64	15.01	-66.34
Capital Expenditures	-8.32	-9.28	-7.45	-11.12	-6.57	-4.22
Sale of Property, Plant and Equipment	-0.01	-	0.04	0.04	-	0.1
Investment in Securities	9.02	-3.39	5.76	-25.42	17.26	-29.22
Income (Loss) Equity Investments	0.5	0.5	-0.23	-0.25	-0.22	-0.18
Purchase / Sale of Intangibles	-2.44	-2.39	-0.45	-0.68	-1.13	-1.05
Other Investing Activities	7.77	7.22	5.79	4.81	2.97	2.44
Investing Cash Flow	6.02	-7.84	3.69	-32.38	12.54	-31.95
Long-Term Debt Issued	-	19.79	10.36	6.74	0.15	40.37
Total Debt Issued	12.24	19.79	10.36	6.74	0.15	40.37
Long-Term Debt Repaid	-	-5.03	-2.96	-2.89	-40.32	-4.91
Total Debt Repaid	-5.75	-5.03	-2.96	-2.89	-40.32	-4.91
Net Debt Issued (Repaid)	6.5	14.75	7.4	3.85	-40.17	35.46
Common Dividends Paid	-8.86	-8.4	-0.07	-9.91	-6.27	-4.43
Net Increase (Decrease) in Deposit Accounts	105.81	60.5	61.64	14.34	-42.95	117.47
Other Financing Activities	-	-	-	-	-	0.13
Financing Cash Flow	103.45	66.85	68.97	8.28	-89.39	148.62
Net Cash Flow	30.65	20.73	108.48	-75.73	-61.84	49.44
Free Cash Flow	-87.14	-47.56	28.37	-62.76	8.45	-70.56
Free Cash Flow Margin	-154.76%	-87.80%	56.22%	-107.15%	12.19%	-115.76%
Free Cash Flow Per Share	-0.78	-0.43	0.25	-0.56	0.07	-0.63
Cash Interest Paid	70.08	70.08	79.1	13.72	12.11	13.85
Cash Income Tax Paid	6.72	6.72	10.25	4.17	6.91	3.19

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