Banco Pichincha Cash Flow Statement

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

Millions PEN. 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	55.06	-58.61	0.63	5.06	-97.77
Depreciation & Amortization	8.43	7.82	7.21	7.08	8.72
Other Amortization	9.13	11.25	8.78	8.16	9.91
Gain (Loss) on Sale of Assets	1.14	-5.65	-35.89	-0.4	-
Gain (Loss) on Sale of Investments	-0.01	0.01	-0.02	0.09	-0.62
Total Asset Writedown	-5.15	4.47	9.44	6.04	2.78
Provision for Credit Losses	429.18	629.93	508.92	430.42	556.38
Change in Trading Asset Securities	449.7	34.74	-324.94	147.41	-
Change in Accounts Payable	-65.3	-119.65	-211.97	-426.6	-153.87
Change in Other Net Operating Assets	252.4	10.94	25.86	-1,298	-846.86
Other Operating Activities	6.16	-6.54	-4.97	3.3	-41.35
Operating Cash Flow	1,141	508.71	-16.95	-1,117	-562.67
Operating Cash Flow Growth	124.24%	-	-	-	-
Capital Expenditures	-13.57	-2.88	-6.83	-4.46	-4.1
Sale of Property, Plant and Equipment	4.63	13.94	-	0.7	-
Investment in Securities	-	-	-	-	-5.88
Divestitures	-	-	-	27.82	-
Purchase / Sale of Intangibles	-11.83	-16.01	-14.58	-24.87	-27.32
Other Investing Activities	-	0.26	0.26	0.55	0.27
Investing Cash Flow	-20.77	-4.69	24.64	-0.26	-37.02
Long-Term Debt Issued	22.89	36.35	35.89	36.72	77.39
Long-Term Debt Repaid	-177.45	-69.79	-68.84	-51.79	-89.39
Net Debt Issued (Repaid)	-154.57	-33.44	-32.95	-15.07	-12
Issuance of Common Stock	52.42	83.49	186.32	53.84	46.5
Net Increase (Decrease) in Deposit Accounts	-915.73	128.84	-	285.52	355.28
Financing Cash Flow	-1,018	178.89	153.37	324.29	389.77
Foreign Exchange Rate Adjustments	163.41	-269.36	-114.58	130.81	-51.84
Net Cash Flow	265.51	413.54	46.48	-662.3	-261.76
Free Cash Flow	1,127	505.83	-23.78	-1,122	-566.77
Free Cash Flow Growth	122.84%	-	-	-	-
Free Cash Flow Margin	372.20%	413.37%	-6.36%	-272.05%	-190.93%
Free Cash Flow Per Share	0.85	0.40	-0.02	-1.09	-0.64

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