NMSE:LHN Cash Flow Statement

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

Millions NAD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	418.84	353.35	350.42	303.23	320.89
Depreciation & Amortization	12.31	12.4	12.88	15.45	15.11
Provision for Credit Losses	-24.59	-5.39	1.88	-24.34	42.93
Change in Accounts Payable	18.03	2.09	-41.11	31.55	97.93
Change in Other Net Operating Assets	-644.15	20.63	-455.78	-667.66	-716.5
Other Operating Activities	271.67	176.6	152.75	-99.95	-53.59
Operating Cash Flow	52.14	559.63	20.78	-441.61	-293.11
Operating Cash Flow Growth	-90.68%	2592.61%	-	-	-
Capital Expenditures	-8.97	-3.52	-8.95	-8.82	-2.95
Investment in Securities	60.71	-228.21	-129.58	-	-
Other Investing Activities	84.22	-50.93	18.09	114.87	162.55
Investing Cash Flow	135.96	-282.66	-120.44	106.05	159.6
Short-Term Debt Issued	-	-	100.25	452.38	-
Long-Term Debt Issued	710	631.89	576.19	1,667	601.69
Total Debt Issued	710	631.89	676.43	2,120	601.69
Short-Term Debt Repaid	-	-54.38	-215	-848.06	-29.79
Long-Term Debt Repaid	-912.6	-47.85	-39.22	-1,015	-55.77
Total Debt Repaid	-912.6	-102.23	-254.22	-1,863	-85.56
Net Debt Issued (Repaid)	-202.6	529.66	422.21	256.35	516.14
Common Dividends Paid	-381.35	-395.9	-273.6	-192.3	-112.5
Total Dividends Paid	-381.35	-395.9	-273.6	-192.3	-112.5
Net Increase (Decrease) in Deposit Accounts	474.14	292.29	149.62	198.18	144.53
Other Financing Activities	-78.57	-272.99	-164.81	-107.88	-93.98
Financing Cash Flow	-188.39	153.06	133.42	154.35	454.18
Net Cash Flow	-0.28	430.03	33.77	-181.21	320.67
Free Cash Flow	43.17	556.12	11.83	-450.43	-296.06
Free Cash Flow Growth	-92.24%	4599.72%	-	-	-
Free Cash Flow Margin	4.95%	75.14%	1.59%	-62.45%	-46.36%
Free Cash Flow Per Share	0.09	1.11	0.02	-0.90	-0.59
Cash Interest Paid	417.11	349.04	214.44	121.23	98.75
Cash Income Tax Paid	-18.18	39.44	16.5	55.83	82.07

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.