Banco Hipotecario Cash Flow Statement

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

Millions ARS. 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	25,183	106,024	112,588	18,855	-8,184
Depreciation & Amortization	10,149	12,547	10,227	5,510	2,106
Gain (Loss) on Sale of Assets	-56.94	10,204	17,290	32,217	4,107
Gain (Loss) on Sale of Investments	-383,159	-859,656	-793,448	-234,963	-29,215
Total Asset Writedown	-1,999	1,017	-974.06	-	-
Provision for Credit Losses	75,552	15,198	9,226	3,061	3,798
Change in Trading Asset Securities	1,031,699	-533,769	759,892	-77,173	-221,681
Change in Income Taxes	-39,843	-427.05	-	-141.59	-222.85
Change in Other Net Operating Assets	-596,521	1,542,408	-2,024,887	535,131	-17,640
Other Operating Activities	73,814	379,451	264,523	105,755	4,572
Operating Cash Flow	194,818	672,999	-1,645,564	388,251	-262,360
Operating Cash Flow Growth	-71.05%	-	-	-	-
Capital Expenditures	-7,199	-8,237	-6,217	-1,845	-582.61
Sale of Property, Plant and Equipment	1,005	2,533	79.15	189.27	53.67
Investing Cash Flow	-6,194	-5,703	-6,138	-1,655	-528.94
Long-Term Debt Issued	6,370,837	113,625	7,457	201,875	11,889
Long-Term Debt Repaid	-6,311,517	-76,354	-45,268	-268,519	-25,339
Net Debt Issued (Repaid)	59,320	37,271	-37,812	-66,644	-13,450
Common Dividends Paid	-57,434	-59,826	42.68	-	-
Net Increase (Decrease) in Deposit Accounts	-28,336	-426,630	1,794,627	-295,214	278,907
Other Financing Activities	-4,940	-10,988	-	-4,744	-1,291
Financing Cash Flow	-31,390	-460,174	1,756,858	-366,603	264,166
Foreign Exchange Rate Adjustments	39,031	29,823	49,667	9,857	2,512
Net Cash Flow	108,272	83,897	27,314	-23,613	-4,187
Free Cash Flow	187,619	664,762	-1,651,781	386,407	-262,943
Free Cash Flow Growth	-71.78%	-	-	-	-
Free Cash Flow Margin	39.89%	64.66%	-219.59%	143.36%	-495.88%
Free Cash Flow Per Share	126.74	449.87	-1119.90	262.28	-178.71
Cash Interest Paid	-	-	1,445,100	-	-
Cash Income Tax Paid	39,843	427.05	253.8	141.59	222.85

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