Capricorn Group Cash Flow Statement

Financials in millions NAD. Fiscal year is July - June.

Millions NAD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	1,858	1,618	1,477	1,046	872.33
Depreciation & Amortization	179	168	162.57	145.93	157.58
Other Amortization	54	50	51.76	45.67	47.83
Gain (Loss) on Sale of Assets	3	8	4.05	2.59	-1.16
Gain (Loss) on Sale of Investments	-	-	-11.25	-5.17	-42.28
Total Asset Writedown	-	4	-	-	-
Provision for Credit Losses	315	328	235.61	367.3	443.75
Change in Trading Asset Securities	1,281	-1,764	-423.79	-311.66	646.77
Change in Other Net Operating Assets	-1,302	-4,392	-2,334	-2,826	-1,410
Other Operating Activities	-192	191	39.8	465.24	-2.26
Operating Cash Flow	2,035	-3,930	-956.06	-1,121	622.54
Operating Cash Flow Growth	-	-	-	-	76.78%
Capital Expenditures	-161	-113	-113.73	-142.43	-187.83
Investment in Securities	-23	-305	-228.81	-132.45	340.38
Income (Loss) Equity Investments	-211	-195	-182.34	-67.7	-103.61
Divestitures	-	-	-	-	0.74
Purchase / Sale of Intangibles	-136	-107	-120.54	-139.04	-64.17
Investing Cash Flow	-320	-525	-463.07	-413.92	89.12
Long-Term Debt Issued	255	2,636	1,064	871.18	1,672
Long-Term Debt Repaid	-1,077	-2,590	-1,567	-825.93	-1,404
Net Debt Issued (Repaid)	-822	46	-503.18	45.25	268.12
Issuance of Common Stock	59	30	61.5	25.69	20.37
Repurchase of Common Stock	-68	-51	-81.47	-26.15	-15.84
Common Dividends Paid	-621	-560	-408.83	-353.54	-205
Net Increase (Decrease) in Deposit Accounts	1,140	5,652	2,137	3,408	461.28
Other Financing Activities	-69	-	-	-	-35.5
Financing Cash Flow	-381	5,117	1,205	3,099	493.43
Foreign Exchange Rate Adjustments	15	-403	-185.7	-171.62	-23.28
Net Cash Flow	1,349	259	-399.48	1,393	1,182
Free Cash Flow	1,874	-4,043	-1,070	-1,263	434.71
Free Cash Flow Growth	-	-	-	-	74.47%
Free Cash Flow Margin	34.05%	-82.53%	-24.57%	-34.75%	13.24%
Free Cash Flow Per Share	3.67	-7.93	-2.10	-2.47	0.85
Cash Interest Paid	3,817	3,612	3,355	1,833	1,809
Cash Income Tax Paid	550	616	577.4	396.66	435.21

Source: S&P Global Market Intelligence. Banks template. Financial Sources.