Emirates NBD

Emirates NBD Bank (P.J.S.C)

EMIRATESNBDStocksDubai Financial MarketBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	-15.51B	-45.79B	-41.98B	-35.03B	-7.48B
Free Cash Flow	-15.98B	-46.01B	-41.98B	-35.03B	-7.92B
Capital Expenditures	-0.48B	-0.22B	—	—	-0.44B
Investing & Financing
Investing Cash Flow	10.37B	-13.83B	9.95B	-8.92B	-10.33B
Financing Cash Flow	31.02B	26.63B	39.83B	25.92B	24.93B
Dividends Paid	-0.13B	-0.13B	-0.13B	-6.46B	-0.13B
Share Repurchase	—	—	—	-3.66B	—
Operating Activities
Operating Cash Flow	-15.51B	-45.79B	-41.98B	-35.03B	-7.48B
Net Income	5.05B	6.42B	6.30B	6.21B	3.98B
Change in Other Net Operating Assets	-21.96B	-50.79B	-48.14B	-43.34B	-11.20B
Change in Trading Asset Securities	-2.10B	-0.05B	-0.37B	1.53B	-1.39B
Net Increase (Decrease) in Deposit Accounts	25.67B	23.64B	39.12B	30.82B	21.97B
Other Operating Activities	2.46B	-1.38B	0.12B	0.93B	1.81B
Provision for Credit Losses	1.81B	0.68B	0.27B	-0.04B	0.99B
Depreciation & Amortization	294.00M	453.00M	282.00M	285.00M	386.00M
Cash Income Tax Paid	0.28B	2.46B	0.72B	0.24B	0.33B
Loss (Gain) on Equity Investments	-2.00M	-3.00M	-3.00M	-6.00M	-3.00M
Total Asset Writedown	27.00M	-13.00M	77.00M	17.00M	28.00M
Investing Activities
Investing Cash Flow	10.37B	-13.83B	9.95B	-8.92B	-10.33B
Capital Expenditures	-0.48B	-0.22B	—	—	-0.44B
Divestitures	—	—	—	—	—
Investment in Securities	10.85B	-13.24B	10.34B	-9.69B	-9.89B
Other Investing Activities	2.00M	3.00M	3.00M	6.00M	3.00M
Sale of Property, Plant and Equipment	—	-371.00M	-397.00M	768.00M	—
Gain (Loss) on Sale of Assets	5.00M	-9.00M	74.00M	-33.00M	67.00M
Gain (Loss) on Sale of Investments	-1.09B	-1.10B	-0.59B	-0.59B	-2.16B
Financing Activities
Financing Cash Flow	31.02B	26.63B	39.83B	25.92B	24.93B
Common Dividends Paid	-0.13B	-0.13B	-0.13B	-6.46B	-0.13B
Issuance of Common Stock	—	—	—	3.66B	—
Repurchase of Common Stock	—	—	—	-3.66B	—
Long-Term Debt Issued	—	—	—	8.00B	—
Total Debt Issued	9.31B	8.38B	7.78B	8.00B	7.52B
Long-Term Debt Repaid	—	—	—	-6.43B	—
Total Debt Repaid	-3.84B	-5.26B	-6.87B	-6.43B	-4.43B
Net Debt Issued (Repaid)	5.48B	3.12B	0.91B	1.57B	3.09B
Other Financing Activities	—	—	-70.00M	—	—
Free Cash Flow & Returns
Free Cash Flow	-15.98B	-46.01B	-41.98B	-35.03B	-7.92B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-142.2%	-361.2%	-363.3%	-283.1%	-86.9%
Free Cash Flow Per Share	-2.53	-7.17	-6.53	-5.66	-1.26
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	25.89B	-32.99B	7.80B	-18.03B	7.12B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	-15.51B	-45.79B	-41.98B	-35.03B	-7.48B
Free Cash Flow	-15.98B	-46.01B	-41.98B	-35.03B	-7.92B
Capital Expenditures	-0.48B	-0.22B	—	—	-0.44B
Investing & Financing
Investing Cash Flow	10.37B	-13.83B	9.95B	-8.92B	-10.33B
Financing Cash Flow	31.02B	26.63B	39.83B	25.92B	24.93B
Dividends Paid	-0.13B	-0.13B	-0.13B	-6.46B	-0.13B
Share Repurchase	—	—	—	-3.66B	—
Operating Activities
Operating Cash Flow	-15.51B	-45.79B	-41.98B	-35.03B	-7.48B
Net Income	5.05B	6.42B	6.30B	6.21B	3.98B
Change in Other Net Operating Assets	-21.96B	-50.79B	-48.14B	-43.34B	-11.20B
Change in Trading Asset Securities	-2.10B	-0.05B	-0.37B	1.53B	-1.39B
Net Increase (Decrease) in Deposit Accounts	25.67B	23.64B	39.12B	30.82B	21.97B
Other Operating Activities	2.46B	-1.38B	0.12B	0.93B	1.81B
Provision for Credit Losses	1.81B	0.68B	0.27B	-0.04B	0.99B
Depreciation & Amortization	294.00M	453.00M	282.00M	285.00M	386.00M
Cash Income Tax Paid	0.28B	2.46B	0.72B	0.24B	0.33B
Loss (Gain) on Equity Investments	-2.00M	-3.00M	-3.00M	-6.00M	-3.00M
Total Asset Writedown	27.00M	-13.00M	77.00M	17.00M	28.00M
Investing Activities
Investing Cash Flow	10.37B	-13.83B	9.95B	-8.92B	-10.33B
Capital Expenditures	-0.48B	-0.22B	—	—	-0.44B
Divestitures	—	—	—	—	—
Investment in Securities	10.85B	-13.24B	10.34B	-9.69B	-9.89B
Other Investing Activities	2.00M	3.00M	3.00M	6.00M	3.00M
Sale of Property, Plant and Equipment	—	-371.00M	-397.00M	768.00M	—
Gain (Loss) on Sale of Assets	5.00M	-9.00M	74.00M	-33.00M	67.00M
Gain (Loss) on Sale of Investments	-1.09B	-1.10B	-0.59B	-0.59B	-2.16B
Financing Activities
Financing Cash Flow	31.02B	26.63B	39.83B	25.92B	24.93B
Common Dividends Paid	-0.13B	-0.13B	-0.13B	-6.46B	-0.13B
Issuance of Common Stock	—	—	—	3.66B	—
Repurchase of Common Stock	—	—	—	-3.66B	—
Long-Term Debt Issued	—	—	—	8.00B	—
Total Debt Issued	9.31B	8.38B	7.78B	8.00B	7.52B
Long-Term Debt Repaid	—	—	—	-6.43B	—
Total Debt Repaid	-3.84B	-5.26B	-6.87B	-6.43B	-4.43B
Net Debt Issued (Repaid)	5.48B	3.12B	0.91B	1.57B	3.09B
Other Financing Activities	—	—	-70.00M	—	—
Free Cash Flow & Returns
Free Cash Flow	-15.98B	-46.01B	-41.98B	-35.03B	-7.92B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-142.2%	-361.2%	-363.3%	-283.1%	-86.9%
Free Cash Flow Per Share	-2.53	-7.17	-6.53	-5.66	-1.26
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	25.89B	-32.99B	7.80B	-18.03B	7.12B