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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-1,686	80.06	2,198	3,299	2,507	2,949
Depreciation & Amortization	1,572	1,703	1,587	1,464	1,298	1,198
Other Amortization	247.37	247.37	242.17	245.59	192.71	135.96
Change in Trading Asset Securities	-1,748	713.62	-467.18	-647.48	57.87	210.85
Change in Other Net Operating Assets	-95,249	-65,284	-43,667	-60,286	-65,553	-36,303
Other Operating Activities	13,319	18,878	3,210	-393.43	3,245	-2,912
Operating Cash Flow	-83,543	-43,662	-36,897	-56,318	-58,252	-34,721
Capital Expenditures	-905.28	-1,389	-3,811	-1,635	-3,495	-1,360
Investment in Securities	637.23	-163.94	409.05	-1,175	-142.5	97.29
Investing Cash Flow	-268.05	-1,553	-3,402	-2,810	-3,638	-1,263
Long-Term Debt Issued	-	12,622	-	19,448	29,643	19,937
Long-Term Debt Repaid	-	-	-36,215	-1,820	-3,000	-
Net Debt Issued (Repaid)	-11,302	12,622	-36,215	17,628	26,643	19,937
Common Dividends Paid	-570	-1,326	-1,071	-	-608.76	-579.77
Net Increase (Decrease) in Deposit Accounts	109,202	40,735	85,731	37,687	34,557	23,385
Other Financing Activities	-	0	-	-	-	0
Financing Cash Flow	97,330	52,031	48,445	55,315	60,591	42,743
Foreign Exchange Rate Adjustments	1,549	1,500	1,588	3,516	1,571	1,312
Net Cash Flow	15,068	8,316	9,733	-298.22	272.28	8,071
Free Cash Flow	-84,448	-45,051	-40,709	-57,953	-61,748	-36,081
Free Cash Flow Margin	-419.67%	-177.14%	-149.80%	-240.64%	-278.47%	-186.14%
Free Cash Flow Per Share	-55.78	-29.76	-26.89	-38.24	-39.83	-23.27
Cash Interest Paid	39,585	27,353	21,016	16,806	14,278	21,450
Cash Income Tax Paid	4,139	2,956	3,715	4,638	3,499	2,557

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