United Commercial Bank PLC (DSE: UCB)

United Commercial Bank Cash Flow Statement

Financials in millions BDT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Income	2,747	2,198	3,299	2,507	2,949	2,858
Depreciation & Amortization	1,700	1,587	1,464	1,298	1,198	983.49
Other Amortization	242.17	242.17	245.59	192.71	135.96	110.54
Change in Trading Asset Securities	-367.57	-467.18	-647.48	57.87	210.85	-1,134
Change in Other Net Operating Assets	-83,439	-43,674	-60,286	-65,553	-36,303	-37,076
Other Operating Activities	14,541	3,210	-393.43	3,245	-2,912	3,724
Operating Cash Flow	-64,577	-36,905	-56,318	-58,252	-34,721	-30,534
Capital Expenditures	-3,192	-3,811	-1,635	-3,495	-1,360	-1,423
Investment in Securities	-1,667	409.05	-1,175	-142.5	97.29	804.55
Investing Cash Flow	-4,859	-3,402	-2,810	-3,638	-1,263	-618.72
Long-Term Debt Issued	-	-	19,448	29,643	19,937	-
Long-Term Debt Repaid	-	-36,583	-1,820	-3,000	-	-3,119
Net Debt Issued (Repaid)	11,156	-36,583	17,628	26,643	19,937	-3,119
Common Dividends Paid	-855.77	-703.12	-	-608.76	-579.77	-
Net Increase (Decrease) in Deposit Accounts	53,543	85,731	37,687	34,557	23,385	33,555
Other Financing Activities	0	-	-	-	0	50
Financing Cash Flow	63,844	48,445	55,315	60,591	42,743	30,487
Foreign Exchange Rate Adjustments	1,195	1,588	3,516	1,571	1,312	1,787
Net Cash Flow	-4,397	9,726	-298.22	272.28	8,071	1,121
Free Cash Flow	-67,768	-40,716	-57,953	-61,748	-36,081	-31,958
Free Cash Flow Margin	-226.86%	-149.83%	-240.64%	-278.47%	-186.14%	-178.99%
Free Cash Flow Per Share	-44.71	-26.86	-38.24	-39.83	-23.27	-20.64
Cash Interest Paid	26,328	21,016	16,806	14,278	21,450	17,671
Cash Income Tax Paid	3,203	3,715	4,638	3,499	2,557	2,428

Source: S&P Capital IQ. Banks template. Financial Sources.