Banco Hipotecario Cash Flow Statement

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

Millions ARS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	17,226	74,051	112,588	18,855	-8,184	1,383
Depreciation & Amortization	8,133	8,824	10,227	5,510	2,106	1,270
Gain (Loss) on Sale of Assets	10,810	8,530	17,290	32,217	4,107	95.34
Gain (Loss) on Sale of Investments	-362,312	-646,686	-793,448	-234,963	-29,215	-15,087
Total Asset Writedown	-2,891	-469.43	-974.06	-	-	-
Provision for Credit Losses	60,066	28,062	9,226	3,061	3,798	2,765
Change in Trading Asset Securities	1,189,845	-412,559	759,892	-77,173	-221,681	-44,461
Change in Income Taxes	-32,043	-	-	-141.59	-222.85	-132.85
Change in Other Net Operating Assets	-1,862,434	196,479	-2,024,887	535,131	-17,640	9,193
Other Operating Activities	141,619	315,239	264,523	105,755	4,572	1,745
Operating Cash Flow	-831,981	-428,530	-1,645,564	388,251	-262,360	-43,228
Capital Expenditures	-7,906	-6,261	-6,217	-1,845	-582.61	-293.23
Sale of Property, Plant and Equipment	1,922	1,926	79.15	189.27	53.67	388.19
Investing Cash Flow	-5,983	-4,336	-6,138	-1,655	-528.94	94.96
Long-Term Debt Issued	-	86,375	7,457	201,875	11,889	45,395
Long-Term Debt Repaid	-	-66,396	-45,268	-268,519	-25,339	-78,675
Net Debt Issued (Repaid)	136,975	19,979	-37,812	-66,644	-13,450	-33,280
Common Dividends Paid	-25,712	-55,086	42.68	-	-	-5.89
Net Increase (Decrease) in Deposit Accounts	891,756	625,421	1,794,627	-295,214	278,907	61,983
Other Financing Activities	3,578	-	-	-4,744	-1,291	-832.91
Financing Cash Flow	1,006,598	590,314	1,756,858	-366,603	264,166	27,864
Foreign Exchange Rate Adjustments	31,845	22,671	49,667	9,857	2,512	7,634
Net Cash Flow	155,094	63,777	27,314	-23,613	-4,187	-17,717
Free Cash Flow	-839,887	-434,791	-1,651,781	386,407	-262,943	-43,522
Free Cash Flow Margin	-262.04%	-59.14%	-219.59%	143.36%	-495.88%	-146.35%
Free Cash Flow Per Share	-567.53	-294.24	-1119.90	262.28	-178.71	-29.60
Cash Interest Paid	963,035	963,035	1,445,100	-	-	-
Cash Income Tax Paid	32,368	324.63	253.8	141.59	222.85	132.85

Source: S&P Global Market Intelligence. Banks template. Financial Sources.