Mashreq Bank

Mashreqbank PSC

MASQStocksDubai 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	-41.35B	-14.78B	-30.38B	-3.35B	-8.40B
Free Cash Flow	-41.53B	-14.95B	-30.51B	-3.45B	-8.51B
Capital Expenditures	-184.20M	-167.30M	-136.84M	-103.94M	-102.99M
Investing & Financing
Investing Cash Flow	-12.20B	0.06B	-9.38B	-1.23B	-6.75B
Financing Cash Flow	46.42B	15.58B	39.36B	21.76B	15.60B
Dividends Paid	-4.46B	-3.87B	-1.90B	-0.20B	—
Operating Activities
Operating Cash Flow	-41.35B	-14.78B	-30.38B	-3.35B	-8.40B
Net Income	6.84B	8.92B	8.59B	3.73B	1.00B
Change in Other Net Operating Assets	-47.47B	-23.71B	-37.73B	-7.47B	-10.79B
Change in Trading Asset Securities	-1.63B	0.71B	-0.10B	-0.38B	-0.78B
Net Increase (Decrease) in Deposit Accounts	39.50B	20.75B	41.36B	21.16B	17.94B
Other Operating Activities	574.16M	-950.46M	-54.32M	391.29M	122.83M
Provision for Credit Losses	0.31B	-0.08B	-1.33B	0.15B	1.96B
Depreciation & Amortization	151.99M	155.44M	156.04M	205.45M	160.72M
Other Amortization	142.57M	122.27M	113.85M	124.20M	94.85M
Cash Income Tax Paid	906.09M	138.35M	184.08M	141.74M	48.78M
Loss (Gain) on Equity Investments	—	—	7.14M	1.28M	-7.09M
Total Asset Writedown	-30.72M	252.76M	-17.19M	-20.76M	10.79M
Investing Activities
Investing Cash Flow	-12.20B	0.06B	-9.38B	-1.23B	-6.75B
Capital Expenditures	-184.20M	-167.30M	-136.84M	-103.94M	-102.99M
Cash Acquisitions	—	—	-165.31M	—	—
Divestitures	—	845.80M	—	50.18M	—
Investment in Securities	-11.94B	-0.92B	-9.04B	-1.06B	-6.56B
Other Investing Activities	86.37M	65.93M	48.54M	-7.47M	-4.89M
Purchase / Sale of Intangibles	-192.31M	-149.06M	-201.17M	-130.28M	-82.30M
Sale of Property, Plant and Equipment	24.05M	37.93M	7.27M	27.38M	1.44M
Gain (Loss) on Sale of Assets	-1.81M	-4.96M	-54.03M	25.62M	3.45M
Gain (Loss) on Sale of Investments	-240.87M	-191.76M	51.69M	-111.07M	-178.51M
Financing Activities
Financing Cash Flow	46.42B	15.58B	39.36B	21.76B	15.60B
Common Dividends Paid	-4.46B	-3.87B	-1.90B	-0.20B	—
Issuance of Common Stock	—	1.83B	—	1.10B	—
Long-Term Debt Issued	12.17B	0.93B	0.48B	1.97B	—
Long-Term Debt Repaid	-0.77B	-4.02B	-0.55B	-2.23B	-2.30B
Net Debt Issued (Repaid)	11.41B	-3.09B	-0.06B	-0.26B	-2.30B
Other Financing Activities	-33.73M	-36.65M	-38.36M	-36.15M	-47.15M
Free Cash Flow & Returns
Free Cash Flow	-41.53B	-14.95B	-30.51B	-3.45B	-8.51B
Free Cash Flow Margin	-343.3%	-110.1%	-251.0%	-50.5%	-227.8%
Free Cash Flow Per Share	-207.04	-74.51	-152.10	-17.20	-42.40
Net Cash Flow	-7.19B	0.84B	-0.40B	17.20B	0.46B
Foreign Exchange Rate Adjustments	-58.95M	-20.72M	-3.51M	14.69M	17.78M

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	-41.35B	-14.78B	-30.38B	-3.35B	-8.40B
Free Cash Flow	-41.53B	-14.95B	-30.51B	-3.45B	-8.51B
Capital Expenditures	-184.20M	-167.30M	-136.84M	-103.94M	-102.99M
Investing & Financing
Investing Cash Flow	-12.20B	0.06B	-9.38B	-1.23B	-6.75B
Financing Cash Flow	46.42B	15.58B	39.36B	21.76B	15.60B
Dividends Paid	-4.46B	-3.87B	-1.90B	-0.20B	—
Operating Activities
Operating Cash Flow	-41.35B	-14.78B	-30.38B	-3.35B	-8.40B
Net Income	6.84B	8.92B	8.59B	3.73B	1.00B
Change in Other Net Operating Assets	-47.47B	-23.71B	-37.73B	-7.47B	-10.79B
Change in Trading Asset Securities	-1.63B	0.71B	-0.10B	-0.38B	-0.78B
Net Increase (Decrease) in Deposit Accounts	39.50B	20.75B	41.36B	21.16B	17.94B
Other Operating Activities	574.16M	-950.46M	-54.32M	391.29M	122.83M
Provision for Credit Losses	0.31B	-0.08B	-1.33B	0.15B	1.96B
Depreciation & Amortization	151.99M	155.44M	156.04M	205.45M	160.72M
Other Amortization	142.57M	122.27M	113.85M	124.20M	94.85M
Cash Income Tax Paid	906.09M	138.35M	184.08M	141.74M	48.78M
Loss (Gain) on Equity Investments	—	—	7.14M	1.28M	-7.09M
Total Asset Writedown	-30.72M	252.76M	-17.19M	-20.76M	10.79M
Investing Activities
Investing Cash Flow	-12.20B	0.06B	-9.38B	-1.23B	-6.75B
Capital Expenditures	-184.20M	-167.30M	-136.84M	-103.94M	-102.99M
Cash Acquisitions	—	—	-165.31M	—	—
Divestitures	—	845.80M	—	50.18M	—
Investment in Securities	-11.94B	-0.92B	-9.04B	-1.06B	-6.56B
Other Investing Activities	86.37M	65.93M	48.54M	-7.47M	-4.89M
Purchase / Sale of Intangibles	-192.31M	-149.06M	-201.17M	-130.28M	-82.30M
Sale of Property, Plant and Equipment	24.05M	37.93M	7.27M	27.38M	1.44M
Gain (Loss) on Sale of Assets	-1.81M	-4.96M	-54.03M	25.62M	3.45M
Gain (Loss) on Sale of Investments	-240.87M	-191.76M	51.69M	-111.07M	-178.51M
Financing Activities
Financing Cash Flow	46.42B	15.58B	39.36B	21.76B	15.60B
Common Dividends Paid	-4.46B	-3.87B	-1.90B	-0.20B	—
Issuance of Common Stock	—	1.83B	—	1.10B	—
Long-Term Debt Issued	12.17B	0.93B	0.48B	1.97B	—
Long-Term Debt Repaid	-0.77B	-4.02B	-0.55B	-2.23B	-2.30B
Net Debt Issued (Repaid)	11.41B	-3.09B	-0.06B	-0.26B	-2.30B
Other Financing Activities	-33.73M	-36.65M	-38.36M	-36.15M	-47.15M
Free Cash Flow & Returns
Free Cash Flow	-41.53B	-14.95B	-30.51B	-3.45B	-8.51B
Free Cash Flow Margin	-343.3%	-110.1%	-251.0%	-50.5%	-227.8%
Free Cash Flow Per Share	-207.04	-74.51	-152.10	-17.20	-42.40
Net Cash Flow	-7.19B	0.84B	-0.40B	17.20B	0.46B
Foreign Exchange Rate Adjustments	-58.95M	-20.72M	-3.51M	14.69M	17.78M