Banco de Occidente Cash Flow Statement

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

Millions COP. 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	574,816	473,531	473,547	452,509	580,222
Depreciation & Amortization	241,677	208,828	185,845	162,955	145,982
Gain (Loss) on Sale of Assets	-3,407	-2,835	-25,695	-15,298	-31,308
Gain (Loss) on Sale of Investments	-115,490	-340,735	-106,093	13,000	87,714
Total Asset Writedown	-35,074	-14,459	-19,413	-29,383	-17,663
Provision for Credit Losses	1,401,261	1,527,221	1,384,446	943,297	882,536
Change in Other Net Operating Assets	-5,418,753	-5,435,330	-5,940,505	-8,792,663	-3,543,859
Other Operating Activities	-765,940	-1,361,020	-1,190,433	-562,011	-225,098
Operating Cash Flow	-4,371,791	-5,175,486	-5,457,183	-7,949,635	-2,367,337
Capital Expenditures	-61,861	-55,435	-	-	-59,501
Sale of Property, Plant and Equipment	14,735	5,296	5,771	6,108	11,036
Investment in Securities	139,462	-664,420	147,901	746,832	-1,260,174
Income (Loss) Equity Investments	-250,881	-230,687	-218,882	-122,041	-245,863
Purchase / Sale of Intangibles	-168,970	-142,238	-183,135	-207,481	-115,031
Other Investing Activities	263,109	133,394	162,579	235,436	223,303
Investing Cash Flow	186,475	-723,403	133,116	780,895	-1,171,441
Long-Term Debt Issued	-	1,493,064	30,730	541,816	13,598,697
Total Debt Issued	-	1,493,064	30,730	541,816	13,598,697
Long-Term Debt Repaid	-1,228,585	-362,405	-221,941	-542,526	-14,050,222
Net Debt Issued (Repaid)	-1,228,585	1,130,659	-191,211	-710	-451,525
Common Dividends Paid	-173,739	-162,024	-187,341	-117,867	-155,708
Net Increase (Decrease) in Deposit Accounts	6,470,992	4,365,419	6,953,537	5,731,455	4,854,353
Other Financing Activities	-69,060	-63,019	-39,738	-44,201	-58,510
Financing Cash Flow	4,999,608	5,271,035	6,535,247	5,568,677	4,188,610
Foreign Exchange Rate Adjustments	571,318	287,871	-120,501	368,284	1,013,109
Net Cash Flow	1,385,610	-339,983	1,090,679	-1,231,779	1,662,941
Free Cash Flow	-4,433,652	-5,230,921	-5,457,183	-7,949,635	-2,426,838
Free Cash Flow Margin	-144.51%	-190.57%	-220.34%	-333.96%	-106.23%
Free Cash Flow Per Share	-28439.13	-33553.11	-35004.44	-50991.98	-15566.66
Cash Interest Paid	4,842,091	5,872,539	5,324,706	2,276,225	695,041
Cash Income Tax Paid	39,978	17,805	38,048	37,132	37,686

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.