Ajman Bank PJSC Cash Flow Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
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	2020 - 2016
Net Income	500.04	400.65	-390.36	162.07	116.16	Upgrade
Depreciation & Amortization	23.36	23.44	28.52	26.9	25.05	Upgrade
Gain (Loss) on Sale of Assets	0.09	-	-7.13	0.11	-0.02	Upgrade
Gain (Loss) on Sale of Investments	-66.26	-82.37	82.87	104.02	-2.79	Upgrade
Total Asset Writedown	-18.27	-3.7	59.61	2.67	-12.03	Upgrade
Provision for Credit Losses	-76.58	-	269.67	48.67	264.97	Upgrade
Change in Other Net Operating Assets	-4,052	1,760	-2,950	-2,346	1,475	Upgrade
Other Operating Activities	-158.54	-81.62	296.45	-76.98	-82.55	Upgrade
Operating Cash Flow	-3,848	2,017	-2,610	-2,078	1,784	Upgrade
Capital Expenditures	-58.63	-34.07	-31.08	-30.08	-18.12	Upgrade
Sale of Property, Plant and Equipment	-	-	10.54	0.05	0.17	Upgrade
Investment in Securities	-1,888	-592.8	-515.27	-79.04	-1,319	Upgrade
Other Investing Activities	193.82	134.3	126.36	97.86	89.72	Upgrade
Investing Cash Flow	-1,757	-494.66	-414.11	-23.09	-1,252	Upgrade
Long-Term Debt Issued	1,817	-	-	-	-	Upgrade
Net Debt Issued (Repaid)	1,817	-	-	-	-	Upgrade
Issuance of Common Stock	11.19	-	550	-	-	Upgrade
Repurchase of Common Stock	-	-22.79	-60.33	-	-	Upgrade
Common Dividends Paid	-197.45	-	-	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	5,684	-1,663	3,393	1,069	1,037	Upgrade
Other Financing Activities	-	-	-2.49	-	-	Upgrade
Financing Cash Flow	7,315	-1,686	3,880	1,069	1,037	Upgrade
Net Cash Flow	1,709	-163.96	855.52	-1,033	1,569	Upgrade
Free Cash Flow	-3,907	1,983	-2,641	-2,108	1,766	Upgrade
Free Cash Flow Margin	-414.50%	246.06%	-6811.09%	-434.08%	454.24%	Upgrade
Free Cash Flow Per Share	-1.45	0.74	-1.03	-0.86	0.81	Upgrade
Cash Income Tax Paid	39.51	-	-	-	-	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.