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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	16,131	16,163	10,431	17,052	27,721	16,417
Depreciation & Amortization	419.75	414.48	370.24	182.96	497.25	507.56
Other Amortization	689.85	645.69	323.62	116.63	93.81	86.12
Loss (Gain) From Sale of Investments	-4,513	-2,739	-2,436	-1,517	-45.89	-78.42
Provision for Credit Losses	2,164	2,633	4,224	5,345	5,636	2,049
Change in Accounts Payable	1,188	243.31	-381.72	532.49	-9,940	-2,879
Change in Income Taxes	-2,501	-2,128	-1,744	-1,671	-1,195	-
Change in Other Net Operating Assets	52,402	50,883	67,016	-15,506	59,431	-58,094
Other Operating Activities	-38,037	-38,931	-33,338	-55,365	-62,491	2,842
Operating Cash Flow	27,942	27,184	44,466	-51,359	86,692	10,288
Operating Cash Flow Growth	-64.48%	-38.87%	-	-	742.62%	-
Capital Expenditures	-165.45	-163.52	-200.79	-85.21	-84.57	-902.04
Investment in Securities	-	-	-	-	-11,066	8,950
Other Investing Activities	-292.87	-	-	-	-	-
Investing Cash Flow	-458.32	-163.52	-200.79	-85.21	-11,151	8,048
Long-Term Debt Issued	-	-	-	79,386	11,688	22,418
Long-Term Debt Repaid	-	-21,305	-18,672	-690.21	-35,132	-6,785
Net Debt Issued (Repaid)	-17,547	-21,305	-18,672	78,696	-23,444	15,633
Common Dividends Paid	-4,694	-4,694	-8,949	-11,921	-7,388	-4,504
Other Financing Activities	-7,383	-4,239	-33,786	-15,059	-19,475	-17,092
Financing Cash Flow	-29,624	-30,238	-61,407	51,717	-50,307	-5,963
Net Cash Flow	-2,140	-3,217	-17,142	272.61	25,234	12,373
Free Cash Flow	27,777	27,020	44,265	-51,444	86,608	9,386
Free Cash Flow Growth	-64.65%	-38.96%	-	-	822.69%	-
Free Cash Flow Margin	42.15%	41.35%	74.66%	-65.62%	94.19%	17.85%
Free Cash Flow Per Share	770.26	749.29	1227.50	-1426.58	2401.68	260.29
Cash Interest Paid	4,239	4,239	33,786	15,029	30,327	21,051