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	2015 - 2019
Period Ending	Mar '25 Mar 31, 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	2015 - 2019
Net Income	12,113	10,431	17,052	27,721	16,417	10,009	Upgrade
Depreciation & Amortization	376.61	370.24	182.96	497.25	507.56	509.74	Upgrade
Other Amortization	120.71	118.85	116.63	93.81	86.12	75.05	Upgrade
Loss (Gain) From Sale of Investments	-1,599	-1,837	-1,517	-45.89	-78.42	-17,153	Upgrade
Provision for Credit Losses	3,837	4,224	5,345	5,636	2,049	4,372	Upgrade
Change in Accounts Payable	3,400	196.4	4,817	-9,940	-2,879	882.17	Upgrade
Change in Income Taxes	-2,039	-1,744	-1,671	-1,195	-	-	Upgrade
Change in Other Net Operating Assets	102,552	65,868	-19,791	59,431	-58,094	-45,798	Upgrade
Other Operating Activities	-40,092	-38,374	-55,365	-62,491	2,842	-287.95	Upgrade
Operating Cash Flow	78,669	39,254	-51,359	86,692	10,288	-47,392	Upgrade
Operating Cash Flow Growth	-	-	-	742.62%	-	-	Upgrade
Capital Expenditures	-92.69	-112.79	-85.21	-84.57	-902.04	-19.74	Upgrade
Investment in Securities	-	-	-	-11,066	8,950	-5,501	Upgrade
Other Investing Activities	-	-	-	-	-	-9.68	Upgrade
Investing Cash Flow	-92.69	-112.79	-85.21	-11,151	8,048	-5,530	Upgrade
Long-Term Debt Issued	-	-	79,386	11,688	22,418	1,599	Upgrade
Long-Term Debt Repaid	-	-13,548	-690.21	-35,132	-6,785	-	Upgrade
Net Debt Issued (Repaid)	-18,342	-13,548	78,696	-23,444	15,633	1,599	Upgrade
Common Dividends Paid	-8,949	-8,949	-11,921	-7,388	-4,504	-	Upgrade
Other Financing Activities	-40,143	-33,786	-15,059	-19,475	-17,092	60,753	Upgrade
Financing Cash Flow	-67,433	-56,283	51,717	-50,307	-5,963	62,352	Upgrade
Net Cash Flow	11,143	-17,142	272.61	25,234	12,373	9,431	Upgrade
Free Cash Flow	78,577	39,141	-51,444	86,608	9,386	-47,411	Upgrade
Free Cash Flow Growth	-	-	-	822.69%	-	-	Upgrade
Free Cash Flow Margin	129.30%	66.02%	-65.62%	94.19%	17.85%	-154.90%	Upgrade
Free Cash Flow Per Share	2334.34	1085.40	-1426.58	2401.68	260.29	-1314.74	Upgrade
Cash Interest Paid	91,053	86,667	63,744	30,327	21,051	582.97	Upgrade

Updated Mar 13, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.