Jamuna Bank 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	2,830	2,793	2,366	1,589	2,512	2,654
Depreciation & Amortization	800.43	742.27	682.95	531.9	433.24	329.48
Change in Other Net Operating Assets	-39,560	-50,108	-13,844	-8,194	-16,961	20,290
Other Operating Activities	9,086	5,236	5,156	4,800	1,459	-1,471
Operating Cash Flow	-26,843	-41,337	-5,638	-1,274	-12,555	21,802
Capital Expenditures	-1,166	-1,574	-750.46	-1,198	-418.96	-345.39
Investment in Securities	-29,929	1,279	1,130	-8,691	-16,860	-11,764
Other Investing Activities	-0	-	-	0	-	-
Investing Cash Flow	-30,707	-295.55	379.25	-9,889	-17,279	-12,109
Long-Term Debt Issued	-	-	-	5,396	4,700	2,586
Long-Term Debt Repaid	-	-2,100	-1,600	-900	-	-750
Net Debt Issued (Repaid)	8,053	-2,100	-1,600	4,496	4,700	1,836
Common Dividends Paid	-1,544	-1,423	-1,311	-1,311	-1,311	-1,124
Net Increase (Decrease) in Deposit Accounts	57,521	53,956	21,232	10,440	21,046	-10,576
Other Financing Activities	0	-	-	-	0	-
Financing Cash Flow	64,030	50,433	18,320	13,625	24,436	-9,863
Net Cash Flow	6,480	8,800	13,062	2,462	-5,399	-170.93
Free Cash Flow	-28,009	-42,912	-6,389	-2,472	-12,974	21,456
Free Cash Flow Margin	-196.31%	-288.52%	-48.21%	-23.45%	-128.69%	210.86%
Free Cash Flow Per Share	-29.82	-45.68	-6.80	-2.63	-13.81	22.84
Cash Interest Paid	12,261	14,237	7,781	6,788	8,603	11,300
Cash Income Tax Paid	3,725	2,383	2,057	1,912	2,150	2,015

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