United Finance PLC. Cash Flow Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	198.04	209.23	143.1	142.54	222.24
Depreciation & Amortization	79.46	71.73	72.77	72.65	70.67
Other Amortization	-	10.68	11.72	9.48	5.26
Provision for Credit Losses	189.76	229.12	129.13	177.47	26.06
Change in Other Net Operating Assets	174.98	388.18	-209.68	-2,547	783.18
Other Operating Activities	-117.24	-109.57	-4.09	-188.34	-54.04
Operating Cash Flow	524.55	798.81	142.29	-2,334	1,053
Operating Cash Flow Growth	-34.33%	461.38%	-	-	-
Capital Expenditures	-52.97	-27.49	-28.58	-82.28	-49.2
Sale of Property, Plant & Equipment	3.49	3.94	6.62	5.32	1.91
Investment in Securities	-235.33	-387.55	-499.41	-245.06	-173.32
Other Investing Activities	-0	0	-	0	-
Investing Cash Flow	-284.81	-411.1	-521.37	-322.01	-220.61
Long-Term Debt Issued	2,399	3,175	4,228	2,832	2,732
Long-Term Debt Repaid	-2,717	-3,741	-2,955	-2,049	-1,427
Total Debt Repaid	-2,717	-3,741	-2,955	-2,049	-1,427
Net Debt Issued (Repaid)	-317.7	-565.41	1,273	783.62	1,305
Common Dividends Paid	-186.46	-113.07	-95.39	-188	-197.92
Financing Cash Flow	-504.16	-678.47	1,178	595.61	1,107
Net Cash Flow	-264.42	-290.76	799.04	-2,060	1,939
Free Cash Flow	471.58	771.32	113.72	-2,416	1,003
Free Cash Flow Growth	-38.86%	578.29%	-	-	-
Free Cash Flow Margin	42.73%	72.71%	13.79%	-298.00%	127.00%
Free Cash Flow Per Share	2.52	4.12	0.61	-12.91	5.36
Cash Interest Paid	-	1,609	1,331	1,174	1,318
Cash Income Tax Paid	-	128.15	84.47	106.23	95.42

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