Public Bank Berhad Cash Flow Statement

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

Millions MYR. 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	7,224	7,147	6,649	6,119	5,657
Depreciation & Amortization	321.31	336.93	368.05	376.22	367.95
Other Amortization	-	3	3.11	3.82	6.16
Gain (Loss) on Sale of Assets	11.33	18.47	-6.06	6.28	4.36
Gain (Loss) on Sale of Investments	-161.56	-111.92	-43.72	-71.95	-57.58
Total Asset Writedown	-	503.48	15.68	-4.68	-4.62
Provision for Credit Losses	269.75	203.72	355.68	596.81	1,395
Change in Trading Asset Securities	-	106.9	-1,717	93.63	453.88
Change in Other Net Operating Assets	-4,465	-20,662	-24,986	-18,219	-12,681
Other Operating Activities	396.67	-272.16	-462.1	294.36	-389.57
Operating Cash Flow	3,541	-12,968	-19,842	-10,812	-5,243
Capital Expenditures	-266.71	-183.28	-308.49	-146.18	-142.95
Sale of Property, Plant and Equipment	19.4	0.75	1.76	3.9	2.04
Cash Acquisitions	-	-1,574	-	-	-
Investment in Securities	2,426	1,610	-2,890	-1,679	-4,504
Income (Loss) Equity Investments	-56.02	-241.16	-18.96	-6.95	5.46
Divestitures	12.25	10.88	298.43	-	-
Other Investing Activities	6.85	26.39	55.58	30.94	22.96
Investing Cash Flow	2,172	-152.15	-2,843	-1,874	-4,622
Long-Term Debt Issued	3,399	2,498	998.85	6,577	-
Long-Term Debt Repaid	-1,613	-2,590	-2,097	-5,678	-1,606
Net Debt Issued (Repaid)	1,785	-91.43	-1,099	899.45	-1,606
Common Dividends Paid	-4,152	-3,882	-2,717	-3,824	-3,979
Net Increase (Decrease) in Deposit Accounts	-	21,222	17,006	19,976	11,905
Other Financing Activities	-172.75	-10.16	-6.87	-26.58	-31.44
Financing Cash Flow	-2,540	17,239	13,183	17,025	6,288
Foreign Exchange Rate Adjustments	-1,136	-432.7	264.67	408.68	297.42
Net Cash Flow	2,038	3,686	-9,237	4,747	-3,280
Free Cash Flow	3,274	-13,151	-20,150	-10,958	-5,386
Free Cash Flow Margin	22.32%	-93.67%	-155.62%	-83.88%	-47.64%
Free Cash Flow Per Share	0.17	-0.68	-1.04	-0.56	-0.28
Cash Income Tax Paid	2,008	2,052	2,345	2,414	2,062

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.