BVL:MIBANC1 Cash Flow Statement

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

Millions PEN. 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	504.4	311.97	265.94	438.36	179.15	-35.2
Depreciation & Amortization	22.25	18.3	16.26	18.17	19.67	23.02
Other Amortization	41.76	41.76	35.5	27.04	21.52	18.23
Gain (Loss) on Sale of Assets	-0.46	-0.46	-	-0.5	2.66	-15.27
Gain (Loss) on Sale of Investments	-6.77	-6.77	-7.37	-17.63	-9.74	25.04
Total Asset Writedown	-	-	-	0.17	0.19	0.14
Provision for Credit Losses	632.42	848.45	918.84	594.7	525.11	753.86
Change in Accounts Payable	-258.75	-	-	-	-	-
Change in Other Net Operating Assets	-1,513	-937.08	-2,624	-1,112	-1,359	-425.37
Other Operating Activities	-15.19	-14.71	-108.95	7.05	67.39	-130.28
Operating Cash Flow	-589.66	265.39	-1,500	-40.35	-549.45	218.49
Operating Cash Flow Growth	-	-	-	-	-	-63.48%
Capital Expenditures	-17.08	-18.44	-42.14	-19.73	-11.06	-10.96
Sale of Property, Plant and Equipment	-	-	-	0.52	1.35	22.78
Investment in Securities	-38.5	79.26	155.19	-3.7	2.86	-10.37
Purchase / Sale of Intangibles	-34.73	-34.73	-52.44	-49.65	-36.14	-46.53
Investing Cash Flow	-62.46	26.6	60.6	-72.56	-42.99	-45.08
Long-Term Debt Issued	-	-	-	-	155	-
Long-Term Debt Repaid	-	-	-	-	-100	-
Total Debt Repaid	-	-	-	-	-100	-
Net Debt Issued (Repaid)	227.55	-	-	-	55	-
Issuance of Common Stock	-	-	-	-	0.08	400.13
Common Dividends Paid	-522.18	-633.72	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	1,067	1,067	668.68	864.49	-194.95	140.52
Other Financing Activities	567.2	-	-	-	-	-
Financing Cash Flow	1,340	433.5	668.68	864.49	-139.88	540.65
Foreign Exchange Rate Adjustments	10.61	10.61	-14.46	-21.62	6.59	50.1
Net Cash Flow	698.28	736.1	-784.99	729.96	-725.72	764.16
Free Cash Flow	-606.73	246.96	-1,542	-60.09	-560.5	207.53
Free Cash Flow Growth	-	-	-	-	-	-62.96%
Free Cash Flow Margin	-30.44%	15.18%	-105.00%	-3.38%	-39.87%	20.27%
Free Cash Flow Per Share	-0.33	0.13	-0.84	-0.03	-0.30	0.13
Cash Interest Paid	934.36	934.36	758.91	383.32	299.35	433.7
Cash Income Tax Paid	44.64	42.71	104.78	-	27.93	125.76

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