United Commercial Bank Cash Flow Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	291.59	238.29	80.06	2,198	3,299	2,507
Depreciation & Amortization	1,616	1,609	1,703	1,587	1,464	1,298
Other Amortization	144.96	144.96	247.37	242.17	245.59	192.71
Change in Trading Asset Securities	-1,134	-1,036	713.62	-467.18	-647.48	57.87
Change in Other Net Operating Assets	-125,031	-116,840	-65,284	-43,667	-60,286	-65,553
Other Operating Activities	8,605	10,364	18,878	3,210	-393.43	3,245
Operating Cash Flow	-115,507	-105,519	-43,662	-36,897	-56,318	-58,252
Capital Expenditures	-1,104	-996.3	-1,389	-3,811	-1,635	-3,495
Investment in Securities	815.9	-912.25	-163.94	409.05	-1,175	-142.5
Investing Cash Flow	-589.08	-1,909	-1,553	-3,402	-2,810	-3,638
Long-Term Debt Issued	-	-	12,622	-	19,448	29,643
Long-Term Debt Repaid	-	-16,597	-	-36,215	-1,820	-3,000
Net Debt Issued (Repaid)	-6,256	-16,597	12,622	-36,215	17,628	26,643
Issuance of Common Stock	133.51	133.51	-	-	-	-
Common Dividends Paid	-570	-570	-1,326	-1,071	-	-608.76
Net Increase (Decrease) in Deposit Accounts	124,240	131,604	40,735	85,731	37,687	34,557
Other Financing Activities	-	-	0	-	-	-
Financing Cash Flow	117,547	114,571	52,031	48,445	55,315	60,591
Foreign Exchange Rate Adjustments	1,505	1,443	1,500	1,588	3,516	1,571
Net Cash Flow	2,957	8,586	8,316	9,733	-298.22	272.28
Free Cash Flow	-116,611	-106,516	-45,051	-40,709	-57,953	-61,748
Free Cash Flow Margin	-497.22%	-459.06%	-177.14%	-149.80%	-240.64%	-278.47%
Free Cash Flow Per Share	-75.21	-68.70	-29.06	-26.89	-38.24	-39.83
Cash Interest Paid	49,134	45,414	27,353	21,016	16,806	14,278
Cash Income Tax Paid	4,197	4,166	2,956	3,715	4,638	3,499