PT Bank Panin Dubai Syariah Tbk (IDX:PNBS)

IDX:PNBS Cash Flow Statement

Financials in millions IDR. 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	38,499	88,568	227,518	250,532	-818,112	128.12
Depreciation & Amortization	27,897	19,731	16,063	15,008	15,689	14,250
Other Amortization	6,114	3,518	1,431	233.38	2,527	4,222
Change in Other Net Operating Assets	833,670	-215,913	-427,490	-1,687,769	324,265	-1,657,057
Other Operating Activities	26,898	61,088	65,304	139,221	1,027,002	-2,421
Operating Cash Flow	933,079	-43,007	-117,174	-1,282,775	551,371	-1,640,877
Capital Expenditures	-15,928	-10,802	-3,418	-1,151	-1,226	-860.17
Sale of Property, Plant and Equipment	30.82	9.1	42.25	42.85	2,725	-
Purchase / Sale of Intangibles	-989.11	-4,514	-15,082	-7,490	-115.29	-52.8
Other Investing Activities	218.01	-	-	-15,361	-3,367	-25.8
Investing Cash Flow	-16,669	-15,307	-18,458	-23,959	-1,983	-938.77
Long-Term Debt Repaid	-	-13,640	-8,280	-	-	-
Net Debt Issued (Repaid)	-13,640	-13,640	-8,280	-	-	-
Issuance of Common Stock	-	-	-	-	-	1,485,460
Net Increase (Decrease) in Deposit Accounts	-924,883	-751,275	1,062,202	817,103	136,044	32,628
Other Financing Activities	-	-	-	-	-	-4,038
Financing Cash Flow	-938,523	-764,916	1,053,921	817,103	136,044	1,514,050
Net Cash Flow	-22,113	-823,230	918,289	-489,630	685,432	-127,765
Free Cash Flow	917,151	-53,810	-120,592	-1,283,926	550,145	-1,641,737
Free Cash Flow Margin	201.67%	-10.20%	-21.37%	-252.21%	-	-743.36%
Free Cash Flow Per Share	23.63	-1.39	-3.11	-33.08	14.17	-42.30
Cash Income Tax Paid	-	-1,153	-694.86	12,301	698.36	8,682

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