IFIC Bank 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	-19,970	-1,206	3,005	3,442	2,541	1,133
Depreciation & Amortization	1,443	1,192	1,161	988.53	809.97	769.72
Other Amortization	202.06	202.06	144.95	111.13	91.17	62.97
Change in Trading Asset Securities	-32,292	-3,416	-6,216	2,868	7,673	-
Change in Other Net Operating Assets	13,405	-22,218	-57,655	-50,171	-43,085	-31,944
Other Operating Activities	1,091	2,946	703.58	2,635	2,289	-787.8
Operating Cash Flow	-36,121	-22,501	-58,856	-40,126	-29,681	-30,766
Capital Expenditures	-532.25	-770.06	-1,506	-1,868	-1,219	-937.43
Sale of Property, Plant and Equipment	7.09	6.63	61.14	3.98	215.37	2.33
Investment in Securities	1,479	13,386	4,899	-459.29	-10,559	-10,221
Other Investing Activities	-0	-	0	-	-0	-
Investing Cash Flow	954.07	12,623	3,454	-2,324	-11,563	-11,156
Long-Term Debt Issued	-	-	-	10,359	5,840	6,966
Long-Term Debt Repaid	-	-4,197	-12,798	-	-0.08	-0.97
Net Debt Issued (Repaid)	-5,698	-4,197	-12,798	10,359	5,840	6,965
Common Dividends Paid	-	-	-446.48	-	-	-
Net Increase (Decrease) in Deposit Accounts	53,091	29,183	65,314	42,415	37,025	39,152
Financing Cash Flow	47,393	24,985	52,070	52,774	42,866	46,117
Foreign Exchange Rate Adjustments	180.81	277.11	188.36	428.1	-22.3	96.04
Net Cash Flow	12,407	15,385	-3,144	10,753	1,599	4,291
Free Cash Flow	-36,653	-23,271	-60,362	-41,994	-30,900	-31,703
Free Cash Flow Margin	-	-250.73%	-416.07%	-313.25%	-264.83%	-432.42%
Free Cash Flow Per Share	-19.07	-12.11	-31.41	-21.85	-16.08	-16.49
Cash Interest Paid	38,924	33,966	23,260	17,641	15,907	19,445
Cash Income Tax Paid	622.66	1,776	2,680	2,549	2,099	1,261

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