Commercial Bank International

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-0.47B	-1.23B	0.04B	-1.00B	-1.23B
Free Cash Flow	-0.48B	-1.26B	0.02B	-1.02B	-1.26B
Capital Expenditures	-13.56M	-35.33M	-20.75M	-19.58M	-31.13M
Investing & Financing
Investing Cash Flow	-345.00M	72.66M	-604.49M	-496.95M	217.43M
Financing Cash Flow	0.53B	1.61B	-0.86B	0.97B	3.06B
Dividends Paid	-27.52M	-27.52M	—	—	—
Operating Activities
Operating Cash Flow	-0.47B	-1.23B	0.04B	-1.00B	-1.23B
Net Income	248.63M	201.18M	153.92M	117.24M	121.78M
Change in Other Net Operating Assets	-0.91B	-1.73B	-0.17B	-1.25B	-1.64B
Net Increase (Decrease) in Deposit Accounts	0.56B	1.64B	-0.86B	0.97B	3.06B
Other Operating Activities	56.38M	26.03M	-0.37M	43.01M	5.61M
Provision for Credit Losses	68.57M	102.77M	53.66M	124.02M	195.46M
Depreciation & Amortization	21.37M	22.24M	22.08M	34.87M	42.03M
Other Amortization	8.65M	9.55M	10.20M	—	—
Cash Income Tax Paid	7.82M	—	—	—	—
Loss (Gain) on Equity Investments	7.11M	0.39M	—	—	—
Total Asset Writedown	—	-0.81M	-6.57M	-2.09M	0.75M
Investing Activities
Investing Cash Flow	-345.00M	72.66M	-604.49M	-496.95M	217.43M
Capital Expenditures	-13.56M	-35.33M	-20.75M	-19.58M	-31.13M
Investment in Securities	-310.69M	105.66M	-587.15M	-483.09M	197.13M
Other Investing Activities	-4.34M	0.74M	0.63M	0.80M	0.80M
Purchase / Sale of Intangibles	-18.05M	-14.62M	-0.89M	-2.09M	-5.08M
Sale of Property, Plant and Equipment	1.64M	0.05M	—	0.94M	43.81M
Gain (Loss) on Sale of Assets	—	0.23M	-3.16M	-1.91M	-30.02M
Gain (Loss) on Sale of Investments	-101.27M	3.07M	-30.36M	-63.19M	-14.08M
Financing Activities
Financing Cash Flow	0.53B	1.61B	-0.86B	0.97B	3.06B
Common Dividends Paid	-27.52M	-27.52M	—	—	—
Free Cash Flow & Returns
Free Cash Flow	-0.48B	-1.26B	0.02B	-1.02B	-1.26B
Free Cash Flow Margin	-66.3%	-210.4%	+4.9%	-214.1%	-291.4%
Free Cash Flow Per Share	-0.28	-0.73	0.01	-0.59	-0.73
Net Cash Flow	-0.28B	0.46B	-1.42B	-0.52B	2.05B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-0.47B	-1.23B	0.04B	-1.00B	-1.23B
Free Cash Flow	-0.48B	-1.26B	0.02B	-1.02B	-1.26B
Capital Expenditures	-13.56M	-35.33M	-20.75M	-19.58M	-31.13M
Investing & Financing
Investing Cash Flow	-345.00M	72.66M	-604.49M	-496.95M	217.43M
Financing Cash Flow	0.53B	1.61B	-0.86B	0.97B	3.06B
Dividends Paid	-27.52M	-27.52M	—	—	—
Operating Activities
Operating Cash Flow	-0.47B	-1.23B	0.04B	-1.00B	-1.23B
Net Income	248.63M	201.18M	153.92M	117.24M	121.78M
Change in Other Net Operating Assets	-0.91B	-1.73B	-0.17B	-1.25B	-1.64B
Net Increase (Decrease) in Deposit Accounts	0.56B	1.64B	-0.86B	0.97B	3.06B
Other Operating Activities	56.38M	26.03M	-0.37M	43.01M	5.61M
Provision for Credit Losses	68.57M	102.77M	53.66M	124.02M	195.46M
Depreciation & Amortization	21.37M	22.24M	22.08M	34.87M	42.03M
Other Amortization	8.65M	9.55M	10.20M	—	—
Cash Income Tax Paid	7.82M	—	—	—	—
Loss (Gain) on Equity Investments	7.11M	0.39M	—	—	—
Total Asset Writedown	—	-0.81M	-6.57M	-2.09M	0.75M
Investing Activities
Investing Cash Flow	-345.00M	72.66M	-604.49M	-496.95M	217.43M
Capital Expenditures	-13.56M	-35.33M	-20.75M	-19.58M	-31.13M
Investment in Securities	-310.69M	105.66M	-587.15M	-483.09M	197.13M
Other Investing Activities	-4.34M	0.74M	0.63M	0.80M	0.80M
Purchase / Sale of Intangibles	-18.05M	-14.62M	-0.89M	-2.09M	-5.08M
Sale of Property, Plant and Equipment	1.64M	0.05M	—	0.94M	43.81M
Gain (Loss) on Sale of Assets	—	0.23M	-3.16M	-1.91M	-30.02M
Gain (Loss) on Sale of Investments	-101.27M	3.07M	-30.36M	-63.19M	-14.08M
Financing Activities
Financing Cash Flow	0.53B	1.61B	-0.86B	0.97B	3.06B
Common Dividends Paid	-27.52M	-27.52M	—	—	—
Free Cash Flow & Returns
Free Cash Flow	-0.48B	-1.26B	0.02B	-1.02B	-1.26B
Free Cash Flow Margin	-66.3%	-210.4%	+4.9%	-214.1%	-291.4%
Free Cash Flow Per Share	-0.28	-0.73	0.01	-0.59	-0.73
Net Cash Flow	-0.28B	0.46B	-1.42B	-0.52B	2.05B