AlRayan Bank Q.P.S.C. (QSE:MARK)

AlRayan Bank Q.P.S.C. Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	1,530	1,507	1,452	1,344	1,718
Depreciation & Amortization	173.62	173.63	174.08	186.98	68.1
Other Amortization	10.94	13.08	-39.9	-	-
Gain (Loss) on Sale of Assets	8.15	3.41	0.52	14.12	5.81
Gain (Loss) on Sale of Investments	-148.62	-184.83	-71.2	135.38	183.06
Provision for Credit Losses	817.88	1,043	1,270	1,556	910.34
Change in Other Net Operating Assets	-4,266	-12,533	11,523	6,805	-22,806
Other Operating Activities	-306.77	285.32	-138.86	-109.06	136.42
Operating Cash Flow	-2,217	-9,754	14,119	9,906	-19,798
Operating Cash Flow Growth	-	-	42.53%	-	-
Capital Expenditures	-95.08	-125.95	-97.37	-256.19	-50.99
Cash Acquisitions	-	-	-	-	8,985
Investment in Securities	-2,599	-4,036	-6,846	726.22	-1,277
Income (Loss) Equity Investments	-35.79	-62.23	-50.86	-27.2	-13.71
Other Investing Activities	26.1	22.15	11.5	10.7	10.7
Investing Cash Flow	-2,668	-4,140	-6,932	480.73	7,668
Long-Term Debt Issued	7,545	4,180	1,989	835.09	3,082
Long-Term Debt Repaid	-6,610	-4,311	-3,671	-2,715	-1,607
Net Debt Issued (Repaid)	934.88	-130.55	-1,682	-1,880	1,475
Common Dividends Paid	-1,034	-1,075	-1,170	-1,676	-1,208
Net Increase (Decrease) in Deposit Accounts	3,528	14,886	-4,568	-9,664	10,314
Other Financing Activities	-	-	-	-	-29.07
Financing Cash Flow	3,429	13,681	-7,420	-13,220	10,551
Foreign Exchange Rate Adjustments	-104.69	-34.26	31.95	-77.26	5.58
Net Cash Flow	-1,561	-246.8	-201.48	-2,911	-1,573
Free Cash Flow	-2,312	-9,880	14,022	9,649	-19,849
Free Cash Flow Growth	-	-	45.31%	-	-
Free Cash Flow Margin	-27.18%	-111.42%	168.72%	174.60%	-495.30%
Free Cash Flow Per Share	-0.25	-1.06	1.51	1.04	-2.59
Cash Income Tax Paid	24.26	24.24	31.89	15.7	11

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