BSP Financial Group Cash Flow Statement

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

Millions PGK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	1,172	1,038	890.22	1,085	1,075
Depreciation & Amortization	81	81	80.73	77.71	78.82
Other Amortization	54	49	46.38	38.99	30.24
Gain (Loss) on Sale of Assets	-1	-2	-2.36	-3.52	-1.14
Gain (Loss) on Sale of Investments	23	-	9.58	-2.69	17.74
Total Asset Writedown	9	-	-	1.85	1.04
Provision for Credit Losses	92	-18	172.62	-2.67	-60.39
Change in Other Net Operating Assets	-738	92	-1,567	-1,580	-220.54
Other Operating Activities	70	135	-328.91	-205.98	50.58
Operating Cash Flow	762	1,375	-699.2	-591.91	971.57
Operating Cash Flow Growth	-44.58%	-	-	-	15.34%
Capital Expenditures	-108	-135	-74.8	-120.57	-156.91
Sale of Property, Plant and Equipment	1	3	1.51	4.13	6.25
Investment in Securities	-3,264	529	-1,208	-210.71	-2,574
Purchase / Sale of Intangibles	-66	-16	-82.55	-52.31	-57.65
Investing Cash Flow	-3,437	381	-1,364	-379.46	-2,782
Long-Term Debt Repaid	-	-	-9.53	-	-3.4
Net Debt Issued (Repaid)	-	-	-9.53	-	-3.4
Repurchase of Common Stock	-	-	-	-0.02	-0.06
Common Dividends Paid	-805	-713	-831.62	-788.73	-676.29
Net Increase (Decrease) in Deposit Accounts	4,077	-887	2,451	3,250	2,506
Other Financing Activities	-	34	-246.68	-14.57	-0.17
Financing Cash Flow	3,272	-1,566	1,363	2,447	1,826
Foreign Exchange Rate Adjustments	442	64	195	-126	-84.45
Net Cash Flow	1,039	254	-505.25	1,349	-69.06
Free Cash Flow	654	1,240	-774	-712.48	814.66
Free Cash Flow Growth	-47.26%	-	-	-	4.66%
Free Cash Flow Margin	19.87%	41.88%	-30.16%	-27.32%	33.74%
Free Cash Flow Per Share	1.40	2.65	-1.66	-1.52	1.74
Cash Interest Paid	68	105	372.41	93.07	78.34
Cash Income Tax Paid	746	654	705.97	455.5	347.02