BSP Financial Group Limited (ASX:BFL)

Accolade Cash Flow Statement

Financials in millions PGK. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	1,038	890.22	1,085	1,075	806.22
Depreciation & Amortization	81.09	80.73	77.71	78.82	75.2
Other Amortization	49.18	46.38	38.99	30.24	25.6
Gain (Loss) on Sale of Assets	-2.47	-2.36	-3.52	-1.14	-0.71
Gain (Loss) on Sale of Investments	-0.18	9.58	-2.69	17.74	17.92
Total Asset Writedown	-	-	1.85	1.04	0.64
Provision for Credit Losses	-18.04	172.62	-2.67	-60.39	183.35
Change in Other Net Operating Assets	92.34	-1,567	-1,580	-220.54	-62.96
Other Operating Activities	136.27	-328.91	-205.98	50.58	-202.92
Operating Cash Flow	1,376	-699.2	-591.91	971.57	842.35
Operating Cash Flow Growth	-	-	-	15.34%	2169.51%
Capital Expenditures	-135.38	-74.8	-120.57	-156.91	-63.95
Sale of Property, Plant and Equipment	2.52	1.51	4.13	6.25	1.79
Investment in Securities	529.06	-1,208	-210.71	-2,574	-1,503
Purchase / Sale of Intangibles	-15.89	-82.55	-52.31	-57.65	-46.53
Investing Cash Flow	380.31	-1,364	-379.46	-2,782	-1,611
Long-Term Debt Issued	-	-	-	-	242.22
Long-Term Debt Repaid	-	-9.53	-	-3.4	-113.42
Net Debt Issued (Repaid)	-	-9.53	-	-3.4	128.8
Repurchase of Common Stock	-	-	-0.02	-0.06	-0.12
Common Dividends Paid	-712.68	-831.62	-788.73	-676.29	-569.19
Net Increase (Decrease) in Deposit Accounts	-887.24	2,451	3,250	2,506	2,315
Other Financing Activities	33.65	-246.68	-14.57	-0.17	-0.16
Financing Cash Flow	-1,566	1,363	2,447	1,826	1,874
Foreign Exchange Rate Adjustments	63.56	195	-126	-84.45	98
Net Cash Flow	253.5	-505.25	1,349	-69.06	1,203
Free Cash Flow	1,241	-774	-712.48	814.66	778.41
Free Cash Flow Growth	-	-	-	4.66%	-
Free Cash Flow Margin	41.89%	-30.16%	-27.32%	33.74%	39.91%
Free Cash Flow Per Share	2.65	-1.66	-1.52	1.74	1.67
Cash Interest Paid	104.87	372.41	93.07	78.34	89.31
Cash Income Tax Paid	653.67	705.97	455.5	347.02	372.87

Updated Feb 19, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.