Reliance 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	1,067	958.84	690.18	615.93	587.81	548.18
Depreciation & Amortization	94.83	28	38.83	39.25	39.79	41.55
Other Amortization	-	-	-	-	-	0.01
Gain (Loss) on Sale of Assets	-1.54	-0.67	-0.72	-4.08	-0.1	-1.99
Gain (Loss) on Sale of Investments	1.74	-	-0.23	-5.65	-16.04	-1.91
Change in Unearned Revenue	-12.51	142.61	205.73	273.81	240.87	193.67
Change in Insurance Reserves / Liabilities	10.4	-65.41	173.61	-97.37	15.12	126.26
Change in Other Net Operating Assets	-36.36	-359.87	-247.73	131.62	229.35	173.16
Other Operating Activities	-629.4	-531.24	-347.94	-258.93	-260.04	-396
Operating Cash Flow	492.56	174.32	509.4	694.31	837.39	683.29
Operating Cash Flow Growth	-21.17%	-65.78%	-26.63%	-17.09%	22.55%	39.41%
Capital Expenditures	-111.8	-106.76	-61.55	-155.35	-191.58	-110.89
Sale of Property, Plant & Equipment	2.36	1.35	1.4	1.71	1.31	1.99
Investment in Securities	-955.36	-812.29	-306.59	-114.98	-261.6	-327.79
Other Investing Activities	739.97	496.24	312.76	287.54	249.35	294.4
Investing Cash Flow	-324.83	-421.46	-53.99	18.92	-202.52	-142.3
Common Dividends Paid	-315.75	-262.68	-262.45	-264.01	-267.99	-268.95
Financing Cash Flow	-315.75	-262.68	-262.45	-264.01	-267.99	-268.95
Miscellaneous Cash Flow Adjustments	-0	-0	-0	-	0	-
Net Cash Flow	-148.02	-509.83	192.96	449.22	366.88	272.05
Free Cash Flow	380.76	67.56	447.84	538.96	645.8	572.4
Free Cash Flow Growth	-29.74%	-84.91%	-16.91%	-16.55%	12.82%	302.70%
Free Cash Flow Margin	13.94%	2.72%	21.49%	28.22%	37.09%	33.76%
Free Cash Flow Per Share	3.62	0.64	4.26	5.13	6.14	5.44
Cash Income Tax Paid	378.29	329.14	253.5	215.72	209.68	247.47
Levered Free Cash Flow	1,090	436.42	772.53	631.99	772.59	860.38
Unlevered Free Cash Flow	1,090	436.42	772.53	631.99	772.59	860.38
Change in Working Capital	-39.93	-280.61	129.28	307.79	485.97	493.46

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