Trust 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	3,737	3,723	4,270	2,921	2,740	1,802
Depreciation & Amortization	660.72	598.21	623.94	535.05	501.18	479.26
Other Amortization	14.26	14.26	-	-	-	-
Provision for Credit Losses	7,652	5,278	5,513	4,319	5,405	3,077
Change in Trading Asset Securities	-2,737	-892.98	636.46	-4,314	-10,155	-1,110
Change in Other Net Operating Assets	-24,488	-41,910	-40,556	-39,888	-41,240	-6,781
Other Operating Activities	-621.68	4,132	-1,429	834.86	967.06	-3,706
Operating Cash Flow	-15,783	-29,058	-30,942	-35,592	-41,781	-6,240
Capital Expenditures	50.85	-248.43	-241.45	-277.49	-300.61	-403.29
Sale of Property, Plant and Equipment	25.72	14.02	2.97	12.41	31.58	1.73
Cash Acquisitions	-215.09	-215.09	-	-	-	-
Investment in Securities	-63,298	-38,639	-9,596	7,494	35,106	-48,240
Purchase / Sale of Intangibles	-6.9	-11.2	-29.45	-16.86	-6.49	-8.31
Investing Cash Flow	-63,443	-39,100	-9,864	7,212	34,831	-48,650
Long-Term Debt Issued	-	4,201	-	1,814	11,247	6,898
Long-Term Debt Repaid	-	-	-6,325	-	-	-
Net Debt Issued (Repaid)	-3,319	4,201	-6,325	1,814	11,247	6,898
Common Dividends Paid	-693.54	-1,027	-778.39	-884.53	-643.3	-306.33
Net Increase (Decrease) in Deposit Accounts	89,953	80,316	40,055	40,024	-1,496	45,614
Financing Cash Flow	85,941	83,490	32,952	40,953	9,108	52,206
Foreign Exchange Rate Adjustments	82	627.39	100.66	218.24	4.97	156.71
Net Cash Flow	6,796	15,960	-7,753	12,791	2,163	-2,527
Free Cash Flow	-15,732	-29,306	-31,183	-35,870	-42,081	-6,643
Free Cash Flow Margin	-105.37%	-186.18%	-245.33%	-274.49%	-351.94%	-74.17%
Free Cash Flow Per Share	-15.83	-29.48	-31.37	-36.08	-42.33	-6.68
Cash Interest Paid	31,279	24,074	17,021	12,127	12,226	14,163
Cash Income Tax Paid	4,058	2,068	3,647	3,093	2,762	2,618

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