Emirates Investment Bank

Emirates Investment Bank PJSC

EIBANKStocksDubai Financial MarketDiversified Financials

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	185.37M	58.97M	-918.85M	-813.72M	-443.39M
Free Cash Flow	183.47M	58.75M	-920.49M	-814.23M	-444.18M
Capital Expenditures	-1.90M	-0.23M	-1.65M	-0.51M	-0.78M
Investing & Financing
Investing Cash Flow	-37.20M	-0.23M	-1.65M	-0.99M	-1.67M
Financing Cash Flow	-0.37B	0.48B	0.46B	1.40B	0.15B
Operating Activities
Operating Cash Flow	185.37M	58.97M	-918.85M	-813.72M	-443.39M
Net Income	83.65M	108.71M	107.54M	-23.67M	30.62M
Change in Other Net Operating Assets	0.11B	-0.07B	-1.01B	-0.85B	-0.47B
Net Increase (Decrease) in Deposit Accounts	-0.37B	0.48B	-0.18B	1.40B	0.15B
Other Operating Activities	0.17M	11.18M	0.25M	-0.40M	-0.16M
Provision for Credit Losses	1.44M	2.35M	0.01M	0.02M	-2.57M
Depreciation & Amortization	5.79M	4.43M	4.47M	4.41M	5.25M
Other Amortization	341.00K	358.00K	402.00K	261.00K	156.00K
Cash Interest Paid	73.56M	82.22M	85.19M	15.56M	9.98M
Cash Income Tax Paid	10.94M	—	—	—	—
Total Asset Writedown	97.00K	—	—	—	—
Investing Activities
Investing Cash Flow	-37.20M	-0.23M	-1.65M	-0.99M	-1.67M
Capital Expenditures	-1.90M	-0.23M	-1.65M	-0.51M	-0.78M
Purchase / Sale of Intangibles	-35.30M	—	—	-0.48M	-0.88M
Gain (Loss) on Sale of Investments	-19.69M	-0.32M	-23.34M	54.91M	-1.78M
Financing Activities
Financing Cash Flow	-0.37B	0.48B	0.46B	1.40B	0.15B
Issuance of Common Stock	—	—	650.00M	—	—
Long-Term Debt Repaid	-5.19M	-4.00M	-3.61M	—	—
Net Debt Issued (Repaid)	-5.19M	-4.00M	-3.61M	—	—
Other Financing Activities	—	—	-1.28M	—	—
Free Cash Flow & Returns
Free Cash Flow	183.47M	58.75M	-920.49M	-814.23M	-444.18M
Free Cash Flow Growth	+212.3%	—	—	—	—
Free Cash Flow Margin	+97.2%	+28.2%	-499.0%	-1,737.2%	-449.1%
Free Cash Flow Per Share	18.35	5.88	-125.13	-222.75	-126.91
Operating Cash Flow Growth	+214.3%	—	—	—	—
Net Cash Flow	-224.73M	536.71M	-458.82M	585.71M	-299.04M

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	185.37M	58.97M	-918.85M	-813.72M	-443.39M
Free Cash Flow	183.47M	58.75M	-920.49M	-814.23M	-444.18M
Capital Expenditures	-1.90M	-0.23M	-1.65M	-0.51M	-0.78M
Investing & Financing
Investing Cash Flow	-37.20M	-0.23M	-1.65M	-0.99M	-1.67M
Financing Cash Flow	-0.37B	0.48B	0.46B	1.40B	0.15B
Operating Activities
Operating Cash Flow	185.37M	58.97M	-918.85M	-813.72M	-443.39M
Net Income	83.65M	108.71M	107.54M	-23.67M	30.62M
Change in Other Net Operating Assets	0.11B	-0.07B	-1.01B	-0.85B	-0.47B
Net Increase (Decrease) in Deposit Accounts	-0.37B	0.48B	-0.18B	1.40B	0.15B
Other Operating Activities	0.17M	11.18M	0.25M	-0.40M	-0.16M
Provision for Credit Losses	1.44M	2.35M	0.01M	0.02M	-2.57M
Depreciation & Amortization	5.79M	4.43M	4.47M	4.41M	5.25M
Other Amortization	341.00K	358.00K	402.00K	261.00K	156.00K
Cash Interest Paid	73.56M	82.22M	85.19M	15.56M	9.98M
Cash Income Tax Paid	10.94M	—	—	—	—
Total Asset Writedown	97.00K	—	—	—	—
Investing Activities
Investing Cash Flow	-37.20M	-0.23M	-1.65M	-0.99M	-1.67M
Capital Expenditures	-1.90M	-0.23M	-1.65M	-0.51M	-0.78M
Purchase / Sale of Intangibles	-35.30M	—	—	-0.48M	-0.88M
Gain (Loss) on Sale of Investments	-19.69M	-0.32M	-23.34M	54.91M	-1.78M
Financing Activities
Financing Cash Flow	-0.37B	0.48B	0.46B	1.40B	0.15B
Issuance of Common Stock	—	—	650.00M	—	—
Long-Term Debt Repaid	-5.19M	-4.00M	-3.61M	—	—
Net Debt Issued (Repaid)	-5.19M	-4.00M	-3.61M	—	—
Other Financing Activities	—	—	-1.28M	—	—
Free Cash Flow & Returns
Free Cash Flow	183.47M	58.75M	-920.49M	-814.23M	-444.18M
Free Cash Flow Growth	+212.3%	—	—	—	—
Free Cash Flow Margin	+97.2%	+28.2%	-499.0%	-1,737.2%	-449.1%
Free Cash Flow Per Share	18.35	5.88	-125.13	-222.75	-126.91
Operating Cash Flow Growth	+214.3%	—	—	—	—
Net Cash Flow	-224.73M	536.71M	-458.82M	585.71M	-299.04M