BVC:CREDIFAMI Cash Flow Statement

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

Millions COP. 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	14,907	10,431	17,052	27,721	16,417	10,009
Depreciation & Amortization	426.64	370.24	182.96	497.25	507.56	509.74
Other Amortization	108.2	118.85	116.63	93.81	86.12	75.05
Loss (Gain) From Sale of Investments	-1,827	-1,837	-1,517	-45.89	-78.42	-17,153
Provision for Credit Losses	2,632	4,224	5,345	5,636	2,049	4,372
Change in Accounts Payable	246.89	196.4	4,817	-9,940	-2,879	882.17
Change in Income Taxes	-2,085	-1,744	-1,671	-1,195	-	-
Change in Other Net Operating Assets	78,868	65,868	-19,791	59,431	-58,094	-45,798
Other Operating Activities	-42,491	-38,374	-55,365	-62,491	2,842	-287.95
Operating Cash Flow	50,785	39,254	-51,359	86,692	10,288	-47,392
Operating Cash Flow Growth	296.46%	-	-	742.62%	-	-
Capital Expenditures	-124.08	-112.79	-85.21	-84.57	-902.04	-19.74
Investment in Securities	-	-	-	-11,066	8,950	-5,501
Other Investing Activities	-88	-	-	-	-	-9.68
Investing Cash Flow	-212.08	-112.79	-85.21	-11,151	8,048	-5,530
Long-Term Debt Issued	-	-	79,386	11,688	22,418	1,599
Long-Term Debt Repaid	-	-13,548	-690.21	-35,132	-6,785	-
Net Debt Issued (Repaid)	-8,031	-13,548	78,696	-23,444	15,633	1,599
Common Dividends Paid	-4,694	-8,949	-11,921	-7,388	-4,504	-
Other Financing Activities	-64,606	-33,786	-15,059	-19,475	-17,092	60,753
Financing Cash Flow	-77,331	-56,283	51,717	-50,307	-5,963	62,352
Net Cash Flow	-26,759	-17,142	272.61	25,234	12,373	9,431
Free Cash Flow	50,661	39,141	-51,444	86,608	9,386	-47,411
Free Cash Flow Growth	296.99%	-	-	822.69%	-	-
Free Cash Flow Margin	81.70%	66.02%	-65.62%	94.19%	17.85%	-154.90%
Free Cash Flow Per Share	1404.86	1085.40	-1426.58	2401.68	260.29	-1314.74
Cash Interest Paid	117,487	86,667	63,744	30,327	21,051	582.97

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.