Union Capital Limited (DSE:UNIONCAP)

Union Capital 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	-1,725	-2,070	-6,070	-2,062	-1,386	-532.37
Depreciation & Amortization	23.87	29.81	33.84	35.51	38.49	45.58
Other Amortization	0.81	0.52	-	-	-	-
Loss (Gain) From Sale of Investments	29.47	13.56	9.89	-2.99	-46.82	-1.82
Provision for Credit Losses	842.05	1,248	5,465	1,436	863.07	0.77
Change in Income Taxes	-30.02	-20.66	-20.73	-31.79	-44.86	-29.45
Change in Other Net Operating Assets	791.06	760.16	501.46	411.4	225.54	-112.07
Other Operating Activities	625.35	561.89	458.8	444.29	219.78	518.36
Operating Cash Flow	557.75	523.59	378.14	230.42	-130.62	-111.95
Operating Cash Flow Growth	58.51%	38.46%	64.11%	-	-	-
Capital Expenditures	-0.79	-5.84	-7.34	-20.19	-18.85	-26.82
Sale of Property, Plant & Equipment	-0	3.16	1.47	-	1.01	1.04
Investment in Securities	-6.32	-9.8	36.1	52.61	452.13	-41.69
Other Investing Activities	-0	-	-	-	-	-0
Investing Cash Flow	-7.11	-12.47	30.23	32.42	434.29	-67.47
Long-Term Debt Issued	-	55	57.6	-	40	-
Total Debt Issued	70	55	57.6	-	40	-
Long-Term Debt Repaid	-	-366.08	-344.86	-248.24	-219.5	-240.81
Total Debt Repaid	-151.87	-366.08	-344.86	-248.24	-219.5	-240.81
Net Debt Issued (Repaid)	-81.87	-311.08	-287.26	-248.24	-179.5	-240.81
Financing Cash Flow	-81.87	-311.08	-287.26	-248.24	-179.5	-240.81
Net Cash Flow	468.77	200.03	121.11	14.6	124.17	-420.22
Free Cash Flow	556.96	517.75	370.8	210.22	-149.47	-138.77
Free Cash Flow Growth	58.45%	39.63%	76.38%	-	-	-
Free Cash Flow Per Share	3.23	3.00	2.15	1.22	-0.87	-0.80
Cash Interest Paid	345.39	355.8	371.63	537.37	967.43	1,324
Cash Income Tax Paid	30.02	20.66	20.73	31.79	44.86	29.45

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