City Insurance PLC. Cash Flow Statement

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

Millions BDT. 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	226.08	209.68	205.64	153.58	114.72	120.75
Depreciation & Amortization	4.66	4.66	7.62	6.38	6.9	5.61
Other Amortization	0.32	0.32	0.26	0.23	0.29	-
Gain (Loss) on Sale of Assets	-0.53	-0.53	0.01	-0.91	-	-0.05
Gain (Loss) on Sale of Investments	-23.62	-23.62	-4.42	-13.28	-14.41	-41.26
Change in Unearned Revenue	38.49	38.49	27.09	126.32	-38.88	36.48
Change in Insurance Reserves / Liabilities	15.43	15.43	-3.94	4.48	-0.61	-6.92
Change in Other Net Operating Assets	51.25	51.25	-32.88	131.17	198.52	39.78
Other Operating Activities	-90.26	-131.69	-24.47	-30.68	-79.14	-39.99
Operating Cash Flow	224.22	166.39	172.46	381.13	187.3	114.88
Operating Cash Flow Growth	47.33%	-3.52%	-54.75%	103.48%	63.04%	157.10%
Capital Expenditures	-2.89	-1.37	-3.43	-10.26	-19.98	-7.96
Sale of Property, Plant & Equipment	-	0.58	0.04	1.67	-	0.51
Investment in Securities	-6.8	22.8	-32.26	-111.8	-72.92	-35.77
Other Investing Activities	4.51	0.38	15.21	10.72	14.66	2.79
Investing Cash Flow	-5.18	22.39	-20.44	-109.67	-78.24	-40.43
Common Dividends Paid	-68.17	-81.8	-71.57	-68.17	-	-
Financing Cash Flow	-68.17	-81.8	-71.57	-68.17	-68.17	-34.08
Net Cash Flow	150.87	106.98	80.44	203.29	40.89	40.37
Free Cash Flow	221.33	165.02	169.02	370.87	167.32	106.92
Free Cash Flow Growth	47.64%	-2.37%	-54.43%	121.65%	56.49%	170.97%
Free Cash Flow Margin	24.21%	20.36%	25.08%	51.88%	27.14%	24.28%
Free Cash Flow Per Share	3.26	2.42	2.48	5.44	2.46	1.57
Cash Income Tax Paid	56.11	97.63	24.34	22.52	58.22	32.99
Levered Free Cash Flow	148.56	115.53	-25.58	381.21	236.68	271.56
Unlevered Free Cash Flow	148.56	115.53	-25.58	381.21	237.44	271.83
Change in Working Capital	106.57	106.57	-13.2	264.81	157.92	68.83

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