Rupali Insurance Company 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	69.72	75.86	52.49	74.57	157.56	145.66
Depreciation & Amortization	30.57	5.29	21.33	33.58	36.34	19.03
Other Amortization	12.9	12.9	-	-	-	-
Change in Insurance Reserves / Liabilities	-12.83	4.53	-7.23	0.36	-22.1	7.27
Change in Other Net Operating Assets	-159	-129	-15.76	49.9	25.9	43.46
Other Operating Activities	66.17	60.72	-17.32	-33.05	-3.82	-52.6
Operating Cash Flow	10.93	30.1	33.45	125.21	193.85	162.42
Operating Cash Flow Growth	9.89%	-10.02%	-73.29%	-35.41%	19.35%	774.70%
Capital Expenditures	-38.01	-29.32	-2.2	-1.34	-68.84	-58.08
Sale of Property, Plant & Equipment	-	-	1.52	5.7	1.05	2.28
Investment in Securities	-3.52	6.69	-100.37	-161.9	-74.36	-29.47
Other Investing Activities	-31.48	-34.13	6.52	3.17	3.79	2.41
Investing Cash Flow	-73.01	-56.76	-94.53	-154.38	-138.36	-82.86
Total Debt Repaid	-10.47	-11.65	-13.32	-12.61	-12.13	-
Net Debt Issued (Repaid)	-10.47	-11.65	-13.32	-12.61	-12.13	-
Common Dividends Paid	-66.31	-72.65	-75.74	-62.89	-76.67	-76.67
Other Financing Activities	-1.15	-1.18	-1.17	-1.19	-1.79	-
Financing Cash Flow	-77.94	-85.48	-90.22	-76.68	-90.58	-76.67
Miscellaneous Cash Flow Adjustments	0	0	-	-	-	-
Net Cash Flow	-140.01	-112.14	-151.31	-105.84	-35.08	2.89
Free Cash Flow	-27.08	0.77	31.25	123.87	125.01	104.34
Free Cash Flow Growth	-	-97.53%	-74.78%	-0.91%	19.81%	-
Free Cash Flow Margin	-3.79%	0.12%	6.51%	29.99%	23.86%	21.55%
Free Cash Flow Per Share	-0.35	0.01	0.41	1.62	1.63	1.36
Cash Interest Paid	1.15	1.18	1.17	1.19	1.79	-
Cash Income Tax Paid	74.99	25.98	21.89	15.52	27.12	44.49
Levered Free Cash Flow	-66.66	-108.77	-128.62	56.15	46.29	150.18
Unlevered Free Cash Flow	-66.66	-108.77	-128.62	56.15	46.29	150.18
Change in Working Capital	-168.42	-124.67	-23.05	50.12	3.77	50.32

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