Thai Credit Bank PCL (BKK:CREDIT)

Thai Credit Bank PCL Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	4,016	3,624	3,557	2,353	1,935
Depreciation & Amortization	304.55	262.08	238.88	250.36	220.35
Other Amortization	35.68	25.41	20.36	29.46	28.61
Gain (Loss) on Sale of Assets	18.13	4.28	3.12	-0.38	-2.19
Gain (Loss) on Sale of Investments	-67	-89.64	-53.52	5.68	0.83
Total Asset Writedown	18.15	-5.9	-7.93	-3.07	5.1
Provision for Credit Losses	3,392	4,335	4,083	3,835	2,611
Change in Other Net Operating Assets	-28,012	-26,171	-14,614	-34,785	-26,252
Other Operating Activities	-518.47	-109.57	-971.45	-779.31	-1,317
Operating Cash Flow	-20,813	-18,125	-7,731	-29,094	-22,771
Capital Expenditures	-256.95	-174.53	-335.16	-122.44	-80.17
Sale of Property, Plant and Equipment	0.94	0.67	0.94	0.06	0.47
Investment in Securities	-387.69	931.83	1.05	2,766	-2,236
Purchase / Sale of Intangibles	-77.68	-61.44	-80.14	-41.24	-41.96
Other Investing Activities	59.4	102.75	56.17	31.7	10.33
Investing Cash Flow	-661.98	799.27	-357.13	2,634	-2,347
Long-Term Debt Issued	-	-	5,372	-	1,150
Long-Term Debt Repaid	-142.16	-128.76	-116.1	-151.21	-117.68
Net Debt Issued (Repaid)	-142.16	-128.76	5,256	-151.21	1,032
Issuance of Common Stock	-	1,898	-	1,556	-
Common Dividends Paid	-740.9	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	22,920	15,877	3,444	25,094	24,032
Other Financing Activities	-297.28	-298.85	-603.18	-	-2.1
Financing Cash Flow	21,740	17,347	8,097	26,499	25,062
Net Cash Flow	265.15	21.77	9.36	39.67	-56.64
Free Cash Flow	-21,069	-18,299	-8,066	-29,216	-22,851
Free Cash Flow Margin	-183.69%	-176.51%	-85.84%	-395.01%	-372.68%
Free Cash Flow Per Share	-17.06	-14.89	-6.83	-27.11	-22.32
Cash Interest Paid	3,385	2,749	2,462	1,572	1,208
Cash Income Tax Paid	1,091	543.11	803.19	559.31	477.11

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