DSE:BNICL Cash Flow Statement

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

Millions BDT. 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	284.33	212.91	185.34	178.79	176.78	143.03
Depreciation & Amortization	42.49	39.9	41.55	38.43	28.97	14.84
Gain (Loss) on Sale of Assets	-0.36	-0.36	-0.19	-0.14	-6.01	-0.3
Change in Unearned Revenue	25.93	48.63	43.75	29.03	25.31	-
Change in Income Taxes	-70.49	-69.16	-58.17	-54.75	-47.34	-25.35
Change in Insurance Reserves / Liabilities	31.82	31.82	205.57	-38.27	83.51	2.66
Change in Other Net Operating Assets	-54.3	-95.35	-121.92	19.23	159.28	249.04
Other Operating Activities	3.11	13.69	0.95	14.62	36.27	43.92
Operating Cash Flow	261.74	181.5	296.95	187.01	456.8	427.88
Operating Cash Flow Growth	-15.91%	-38.88%	58.79%	-59.06%	6.76%	86.31%
Capital Expenditures	-17.2	-16.29	-1.81	-133.36	-61.95	-19.76
Sale of Property, Plant & Equipment	0.04	0.04	0.19	0.14	6.01	0.3
Investment in Securities	-15.92	-11.48	-46.13	25.46	-101.18	-50
Other Investing Activities	25.03	25.37	18.25	13.64	12.7	5.18
Investing Cash Flow	-8.06	-2.35	-29.49	-94.11	-144.43	-64.28
Common Dividends Paid	-88.5	-88.5	-88.5	-88.5	-79.65	-66.38
Financing Cash Flow	-88.5	-88.5	-88.5	-88.5	-79.65	-66.38
Miscellaneous Cash Flow Adjustments	-	-	-0	-	0	-
Net Cash Flow	165.18	90.64	178.96	4.4	232.72	297.22
Free Cash Flow	244.53	165.21	295.14	53.65	394.84	408.12
Free Cash Flow Growth	-20.89%	-44.02%	450.11%	-86.41%	-3.25%	90.07%
Free Cash Flow Margin	21.73%	15.28%	28.02%	5.61%	47.27%	55.67%
Free Cash Flow Per Share	5.53	3.73	6.67	1.21	8.92	9.22
Cash Income Tax Paid	66.71	69.16	58.17	54.75	47.34	25.35
Levered Free Cash Flow	258.42	220.16	369.43	81.33	178.21	327.35
Unlevered Free Cash Flow	261.3	223.04	372.77	83.11	179.23	328.12
Change in Working Capital	-67.83	-84.66	69.31	-44.69	220.78	226.39

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