Bangladesh General Insurance Company PLC. (DSE:BGIC)

DSE:BGIC Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-922.44	-935.88	80.52	92.69	115.82	37.69
Depreciation & Amortization	45.8	45.8	43.45	45.93	39.35	24.4
Gain (Loss) on Sale of Assets	-	-	-	-	-	-1.2
Gain (Loss) on Sale of Investments	-	-	-	-	-	-17.2
Reinsurance Recoverable	-	-	-	-	-	66.99
Change in Insurance Reserves / Liabilities	-	-	-	-	-	-12.19
Change in Other Net Operating Assets	-	-	-	-	-	37.37
Other Operating Activities	964.26	974.66	-104.18	-38.73	-32.03	-30.94
Operating Cash Flow	87.62	84.58	19.79	99.89	123.15	104.92
Operating Cash Flow Growth	1126.12%	327.42%	-80.19%	-18.89%	17.37%	106.79%
Capital Expenditures	-10.69	-10.69	-6.87	-16.29	-34.89	-12.12
Sale of Property, Plant & Equipment	1.64	1.64	2.52	1.63	6.23	5.19
Investment in Securities	-41.47	-19.59	31.27	23.08	-13.03	-14.09
Investing Cash Flow	-50.52	-28.64	26.91	8.43	-41.69	-21.02
Long-Term Debt Issued	-	-	51.79	32.8	65.28	-
Total Debt Issued	30.82	-	51.79	32.8	65.28	-
Total Debt Repaid	-17.11	-17.11	-	-	-	-86.15
Net Debt Issued (Repaid)	13.71	-17.11	51.79	32.8	65.28	-86.15
Common Dividends Paid	-54.03	-54.03	-64.83	-67.53	-64.83	-59.43
Financing Cash Flow	-40.32	-71.14	-13.04	-34.74	0.44	-145.58
Net Cash Flow	-3.22	-15.2	33.66	73.58	81.91	-61.68
Free Cash Flow	76.93	73.89	12.91	83.6	88.26	92.81
Free Cash Flow Growth	28255.83%	472.15%	-84.55%	-5.28%	-4.90%	113.46%
Free Cash Flow Margin	10.69%	10.61%	1.98%	13.11%	14.32%	18.29%
Free Cash Flow Per Share	1.42	1.37	0.24	1.55	1.63	1.72
Cash Income Tax Paid	21.35	16.31	21.28	9.66	33.01	19.01
Levered Free Cash Flow	-	-532.47	52.21	105.48	154.02	144.52
Unlevered Free Cash Flow	-	-514.75	65.8	113.08	161.52	151.47
Change in Working Capital	-	-	-	-	-	92.18

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.