KLSE:TAKAFUL Cash Flow Statement

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

Millions MYR. 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	375.87	378.15	346.91	282.86	411.42	362.42
Depreciation & Amortization	7.88	7.88	8.14	10.07	55.83	47.43
Other Amortization	-	-	-	-	0.94	0.27
Gain (Loss) on Sale of Assets	-	-	-	-	-0.1	-0.01
Gain (Loss) on Sale of Investments	-33.77	-47.18	-8.7	65.6	-3.08	-61.4
Stock-Based Compensation	-	-	-2.06	-0.4	13.02	16.57
Change in Accounts Receivable	526.7	-232.59	-1,545	1,614	260.93	-18.42
Reinsurance Recoverable	-	-	-	-	-178.03	-223.14
Change in Insurance Reserves / Liabilities	50.72	1,108	545.79	704.59	817.03	899.51
Change in Other Net Operating Assets	-190.56	-720.82	94.37	-908.66	-723.92	-354.25
Other Operating Activities	-572.62	-533.48	-512.75	-416.82	-394.34	-383.39
Operating Cash Flow	116.36	-56.39	-1,084	1,343	252.19	278.26
Operating Cash Flow Growth	-	-	-	432.44%	-9.37%	-
Capital Expenditures	-6.96	-3.72	-14.94	-9.67	-6.48	-7.85
Sale of Property, Plant & Equipment	0.33	0	0.12	0.29	0.14	0.14
Purchase / Sale of Intangible Assets	-18.8	-7.31	-10.96	-6.94	-5.63	-156.68
Investing Cash Flow	-34.67	-20.28	-25.77	-16.32	-11.97	-164.38
Total Debt Repaid	-0.26	-0.34	-0.81	-0.85	-0.72	-0.71
Net Debt Issued (Repaid)	-0.26	-0.34	-0.81	-0.85	-0.72	-0.71
Common Dividends Paid	-25.85	-117.22	-113.04	-100.28	-99.65	-
Other Financing Activities	500	-	-	-	-	-
Financing Cash Flow	473.89	-117.56	-113.85	-101.12	-100.37	-0.71
Foreign Exchange Rate Adjustments	-5.97	-7.7	7.7	-4.95	-5.54	-3.76
Net Cash Flow	549.61	-201.93	-1,216	1,220	134.31	109.41
Free Cash Flow	109.4	-60.11	-1,099	1,333	245.71	270.42
Free Cash Flow Growth	-	-	-	442.55%	-9.14%	-
Free Cash Flow Margin	3.93%	-2.27%	-49.80%	57.03%	8.93%	10.49%
Free Cash Flow Per Share	0.13	-0.07	-1.31	1.59	0.29	0.33
Cash Income Tax Paid	227.74	192.06	166.1	161	54.16	77.25
Levered Free Cash Flow	1,312	1,340	841.4	9,108	420.59	330.04
Unlevered Free Cash Flow	1,312	1,340	841.4	9,108	420.59	330.04
Change in Working Capital	386.86	154.68	-904.93	1,410	176.01	303.71

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