DSE:PHOENIXFIN 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	-4,529	-8,082	-7,052	-1,386	-350.53	200.99
Depreciation & Amortization	35.17	36.85	38.59	45.32	38.16	32.87
Provision for Credit Losses	5,709	5,709	5,041	1,601	629.35	254.21
Change in Accounts Payable	95.94	95.94	49.48	-	-	-
Change in Income Taxes	14.25	14.25	-15.88	-5.88	-102.73	36.02
Change in Other Net Operating Assets	2,451	2,281	1,679	-1,857	-2,004	316.55
Other Operating Activities	-3,533	14.25	14.16	1,408	370.64	-43.75
Operating Cash Flow	219.7	45.98	-258.13	-188.47	-1,371	777.97
Operating Cash Flow Growth	-	-	-	-	-	-26.14%
Capital Expenditures	-4.01	-4.01	-3.1	-139.15	-18.8	-13.24
Sale of Property, Plant & Equipment	-	2.01	2.28	3.96	2.2	-
Investment in Securities	-37.59	-	-	-6.99	18.89	-2.51
Investing Cash Flow	-41.6	-2	-0.82	-142.18	2.29	-15.76
Long-Term Debt Issued	-	-	36.22	120.46	482.87	-
Long-Term Debt Repaid	-	-307.32	-	-	-	-47.29
Net Debt Issued (Repaid)	-197.37	-307.32	36.22	120.46	482.87	-47.29
Common Dividends Paid	-	-	-	-	-	-83.83
Financing Cash Flow	-197.37	-307.32	36.22	120.46	482.87	-131.12
Net Cash Flow	-19.27	-263.34	-222.73	-210.19	-885.65	631.09
Free Cash Flow	215.68	41.97	-261.23	-327.62	-1,390	764.72
Free Cash Flow Growth	-	-	-	-	-	-26.33%
Free Cash Flow Margin	-	-	-	-	-2266.36%	105.91%
Free Cash Flow Per Share	1.30	0.25	-1.57	-1.98	-8.38	4.87
Cash Interest Paid	1,891	1,891	2,047	1,501	2,296	2,806
Cash Income Tax Paid	7.18	7.18	10.41	55.59	117.71	127.76