PT Panin Financial 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	1,648,801	1,664,151	1,510,483	2,017,556	1,327,813	1,859,764
Depreciation & Amortization	578,824	523,101	471,215	556,671	9,890	29,821
Change in Trading Asset Securities	7,454,440	-4,701,332	-4,506,903	-1,279,630	-	-
Change in Other Net Operating Assets	-9,655,538	13,609,141	178,306	-11,865,125	-	-
Other Operating Activities	2,658,992	2,790,531	4,068,414	3,177,892	-1,393,386	-1,838,494
Operating Cash Flow	2,685,519	13,885,592	1,721,515	-7,392,636	-55,683	51,091
Operating Cash Flow Growth	-38.77%	706.59%	-	-	-	-
Capital Expenditures	-229,641	-324,751	-164,558	-231,782	-3,734	-2,411
Sale of Property, Plant and Equipment	13,074	27,934	5,996	36,644	981	32
Investment in Securities	-1,209,915	-19,505,726	73,023	1,367,931	-11,659	1,109,002
Purchase / Sale of Intangibles	-125,194	-126,985	-142,099	-135,113	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-370	-268	-145	5,425	-3,349	20,217
Other Investing Activities	185,501	661,072	415,886	739,863	614,172	652,424
Investing Cash Flow	-1,366,545	-19,268,724	188,103	1,782,968	596,411	1,779,264
Long-Term Debt Issued	-	7,366,064	3,150,000	2,425,576	-	-
Long-Term Debt Repaid	-	-5,880,024	-6,679,907	-1,658,764	-6,005	-
Net Debt Issued (Repaid)	5,555,025	1,486,040	-3,529,907	766,812	-6,005	-
Common Dividends Paid	-452,487	-	-	-320,221	-	-
Net Increase (Decrease) in Deposit Accounts	-2,825,334	5,347,410	2,057,303	6,717,319	-	-
Other Financing Activities	-59,604	-44,825	-286,424	-692,047	-161,632	-85,340
Financing Cash Flow	2,197,000	6,788,625	-1,759,028	6,471,863	-167,637	-85,340
Foreign Exchange Rate Adjustments	319,478	15,565	-47,560	298,731	138	301
Net Cash Flow	3,835,452	1,421,058	103,030	1,160,926	373,229	1,745,316
Free Cash Flow	2,455,878	13,560,841	1,556,957	-7,624,418	-59,417	48,680
Free Cash Flow Growth	-39.95%	770.98%	-	-	-	-
Free Cash Flow Margin	23.44%	125.82%	14.92%	-73.16%	-4.40%	3.51%
Free Cash Flow Per Share	76.69	423.48	48.62	-238.10	-1.86	1.52
Cash Interest Paid	6,830,457	6,400,044	5,336,905	3,863,846	-	-
Cash Income Tax Paid	780,982	819,931	819,896	751,503	-	-

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