Provati 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	60.44	79.38	88.63	101.67	149.33	92.01
Depreciation & Amortization	22.22	22.22	22.73	18.76	13.53	11.21
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.75
Gain (Loss) on Sale of Investments	-	-	-	-	-	8.43
Reinsurance Recoverable	-139.5	-139.5	-128.93	-131.99	38.43	-
Change in Unearned Revenue	-13.28	-13.28	-3.26	1.35	1.79	4.68
Change in Deferred Taxes	-0.01	-0.01	-1.6	0.24	-	-
Change in Insurance Reserves / Liabilities	73.1	73.1	65.38	90.95	78.79	29.16
Change in Other Net Operating Assets	-2.19	-2.19	-2.5	-15.76	-35.02	75.81
Other Operating Activities	-65.06	-14.49	-15.24	11.02	-1.11	96.47
Operating Cash Flow	-64.26	5.24	25.21	76.23	245.73	318.51
Operating Cash Flow Growth	-	-79.21%	-66.93%	-68.98%	-22.85%	95.77%
Capital Expenditures	5.06	-	-34.7	-84.68	-30.78	-118.9
Sale of Property, Plant & Equipment	11.13	8.08	0.61	1.69	0.17	0.11
Purchase / Sale of Intangible Assets	-0.68	0.38	-0.47	-1.06	-1	-0.3
Investment in Securities	137.34	59.3	59.62	-623.78	-175.12	-41.98
Other Investing Activities	0	0	-	-	-	-
Investing Cash Flow	152.85	67.76	25.06	-707.83	-206.73	-161.06
Short-Term Debt Issued	-	-	41.88	23.79	56.18	0.22
Total Debt Issued	-	-	41.88	23.79	56.18	0.22
Total Debt Repaid	-66.58	-46.75	-	-	-	-
Net Debt Issued (Repaid)	-66.58	-46.75	41.88	23.79	56.18	0.22
Common Dividends Paid	-90.7	-50.39	-48.37	-35.3	-	-35.64
Financing Cash Flow	-157.28	-97.14	-6.49	-11.52	56.18	-35.43
Miscellaneous Cash Flow Adjustments	-0	-	-0	-	-	-
Net Cash Flow	-68.7	-24.14	43.78	-643.11	95.19	122.02
Free Cash Flow	-59.2	5.24	-9.49	-8.45	214.95	199.61
Free Cash Flow Growth	-	-	-	-	7.68%	30.30%
Free Cash Flow Margin	-7.96%	0.55%	-0.97%	-0.86%	22.00%	23.66%
Free Cash Flow Per Share	-1.47	0.13	-0.23	-0.21	5.33	4.95
Cash Income Tax Paid	30.87	35.87	43.18	27.38	27.86	22.22
Levered Free Cash Flow	82.4	58.68	11.69	-690.2	182.59	126.43
Unlevered Free Cash Flow	82.4	58.68	11.69	-690.2	182.59	126.43
Change in Working Capital	-81.87	-81.87	-70.9	-55.21	83.98	109.65

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