Ajman Bank

Ajman Bank PJSC

AJMANBANKStocksDubai Financial MarketBanks

Financials

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	-3.85B	2.02B	-2.61B	-2.08B	1.78B
Free Cash Flow	-3.91B	1.98B	-2.64B	-2.11B	1.77B
Capital Expenditures	-58.63M	-34.07M	-31.08M	-30.08M	-18.12M
Investing & Financing
Investing Cash Flow	-1.76B	-0.49B	-0.41B	-0.02B	-1.25B
Financing Cash Flow	7.31B	-1.69B	3.88B	1.07B	1.04B
Dividends Paid	-197.45M	—	—	—	—
Share Repurchase	—	-22.79M	-60.33M	—	—
Operating Activities
Operating Cash Flow	-3.85B	2.02B	-2.61B	-2.08B	1.78B
Net Income	500.04M	400.65M	-390.36M	162.07M	116.16M
Change in Other Net Operating Assets	-4.05B	1.76B	-2.95B	-2.35B	1.47B
Net Increase (Decrease) in Deposit Accounts	5.68B	-1.66B	3.39B	1.07B	1.04B
Other Operating Activities	-158.54M	-81.62M	296.45M	-76.98M	-82.55M
Provision for Credit Losses	-76.58M	—	269.67M	48.67M	264.97M
Depreciation & Amortization	23.36M	23.44M	28.52M	26.90M	25.05M
Cash Income Tax Paid	39.51M	—	—	—	—
Total Asset Writedown	-18.27M	-3.70M	59.61M	2.67M	-12.03M
Investing Activities
Investing Cash Flow	-1.76B	-0.49B	-0.41B	-0.02B	-1.25B
Capital Expenditures	-58.63M	-34.07M	-31.08M	-30.08M	-18.12M
Investment in Securities	-1.89B	-0.59B	-0.52B	-0.08B	-1.32B
Other Investing Activities	193.82M	134.30M	126.36M	97.86M	89.72M
Sale of Property, Plant and Equipment	—	—	10.54M	0.05M	0.17M
Gain (Loss) on Sale of Assets	0.09M	—	-7.13M	0.11M	-0.02M
Gain (Loss) on Sale of Investments	-66.26M	-82.37M	82.87M	104.02M	-2.79M
Financing Activities
Financing Cash Flow	7.31B	-1.69B	3.88B	1.07B	1.04B
Common Dividends Paid	-197.45M	—	—	—	—
Issuance of Common Stock	11.19M	—	550.00M	—	—
Repurchase of Common Stock	—	-22.79M	-60.33M	—	—
Long-Term Debt Issued	1.82B	—	—	—	—
Net Debt Issued (Repaid)	1.82B	—	—	—	—
Other Financing Activities	—	—	-2.49M	—	—
Free Cash Flow & Returns
Free Cash Flow	-3.91B	1.98B	-2.64B	-2.11B	1.77B
Free Cash Flow Margin	-414.5%	+246.1%	-6,811.1%	-434.1%	+454.2%
Free Cash Flow Per Share	-1.45	0.74	-1.03	-0.86	0.81
Net Cash Flow	1.71B	-0.16B	0.86B	-1.03B	1.57B

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	-3.85B	2.02B	-2.61B	-2.08B	1.78B
Free Cash Flow	-3.91B	1.98B	-2.64B	-2.11B	1.77B
Capital Expenditures	-58.63M	-34.07M	-31.08M	-30.08M	-18.12M
Investing & Financing
Investing Cash Flow	-1.76B	-0.49B	-0.41B	-0.02B	-1.25B
Financing Cash Flow	7.31B	-1.69B	3.88B	1.07B	1.04B
Dividends Paid	-197.45M	—	—	—	—
Share Repurchase	—	-22.79M	-60.33M	—	—
Operating Activities
Operating Cash Flow	-3.85B	2.02B	-2.61B	-2.08B	1.78B
Net Income	500.04M	400.65M	-390.36M	162.07M	116.16M
Change in Other Net Operating Assets	-4.05B	1.76B	-2.95B	-2.35B	1.47B
Net Increase (Decrease) in Deposit Accounts	5.68B	-1.66B	3.39B	1.07B	1.04B
Other Operating Activities	-158.54M	-81.62M	296.45M	-76.98M	-82.55M
Provision for Credit Losses	-76.58M	—	269.67M	48.67M	264.97M
Depreciation & Amortization	23.36M	23.44M	28.52M	26.90M	25.05M
Cash Income Tax Paid	39.51M	—	—	—	—
Total Asset Writedown	-18.27M	-3.70M	59.61M	2.67M	-12.03M
Investing Activities
Investing Cash Flow	-1.76B	-0.49B	-0.41B	-0.02B	-1.25B
Capital Expenditures	-58.63M	-34.07M	-31.08M	-30.08M	-18.12M
Investment in Securities	-1.89B	-0.59B	-0.52B	-0.08B	-1.32B
Other Investing Activities	193.82M	134.30M	126.36M	97.86M	89.72M
Sale of Property, Plant and Equipment	—	—	10.54M	0.05M	0.17M
Gain (Loss) on Sale of Assets	0.09M	—	-7.13M	0.11M	-0.02M
Gain (Loss) on Sale of Investments	-66.26M	-82.37M	82.87M	104.02M	-2.79M
Financing Activities
Financing Cash Flow	7.31B	-1.69B	3.88B	1.07B	1.04B
Common Dividends Paid	-197.45M	—	—	—	—
Issuance of Common Stock	11.19M	—	550.00M	—	—
Repurchase of Common Stock	—	-22.79M	-60.33M	—	—
Long-Term Debt Issued	1.82B	—	—	—	—
Net Debt Issued (Repaid)	1.82B	—	—	—	—
Other Financing Activities	—	—	-2.49M	—	—
Free Cash Flow & Returns
Free Cash Flow	-3.91B	1.98B	-2.64B	-2.11B	1.77B
Free Cash Flow Margin	-414.5%	+246.1%	-6,811.1%	-434.1%	+454.2%
Free Cash Flow Per Share	-1.45	0.74	-1.03	-0.86	0.81
Net Cash Flow	1.71B	-0.16B	0.86B	-1.03B	1.57B