PT Bank Neo Commerce Tbk Cash Flow Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	479,825	19,885	-573,180	-789,059	-986,289	15,872
Depreciation & Amortization	47,571	54,488	46,842	40,661	34,900	26,981
Other Amortization	25,271	15,547	13,538	11,926	1,378	1,374
Change in Income Taxes	-2,782	-4,637	851	12,003	4,619	-
Change in Other Net Operating Assets	532,767	-1,795,519	-3,734,144	-3,685,595	-2,701,868	-272,146
Other Operating Activities	1,706,153	2,535,114	2,612,477	980,987	109,174	-37,750
Operating Cash Flow	2,788,805	824,878	-1,633,616	-3,429,077	-3,538,086	-265,670
Capital Expenditures	-23,526	-21,034	-47,633	-69,360	-34,142	-24,614
Sale of Property, Plant and Equipment	920	1,570	1,205	1,877	347	5,278
Investment in Securities	-1,325,235	-1,399,547	199,339	-2,365,861	-919,342	-
Purchase / Sale of Intangibles	-10,842	-5,423	-35,808	-126,481	-97,936	567.12
Investing Cash Flow	-1,358,683	-1,424,434	116,583	-2,610,747	-1,051,073	-18,769
Long-Term Debt Issued	-	-	-	-	-	3,168
Long-Term Debt Repaid	-	-45,742	-23,588	-33,898	-20,832	-
Net Debt Issued (Repaid)	-47,370	-45,742	-23,588	-33,898	-20,832	3,168
Issuance of Common Stock	-	300,598	105,000	1,701,137	2,752,712	148,588
Common Dividends Paid	-	-	-	-	-1,532	-1,599
Net Increase (Decrease) in Deposit Accounts	-529,050	-704,311	-540,329	6,566,555	3,907,406	114,016
Other Financing Activities	-30,794	-30,794	-10,962	-1,781	-	-
Financing Cash Flow	-607,215	-480,249	-469,879	8,232,013	6,637,754	264,173
Net Cash Flow	822,907	-1,079,805	-1,986,912	2,192,189	2,048,595	-20,266
Free Cash Flow	2,765,279	803,844	-1,681,249	-3,498,437	-3,572,228	-290,285
Free Cash Flow Margin	197.88%	80.46%	-216.18%	-421.15%	-1433.47%	-132.38%
Free Cash Flow Per Share	203.81	63.87	-139.65	-371.31	-413.17	-49.31
Cash Interest Paid	785,722	848,026	1,291,536	705,992	357,725	276,212

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