Bandhan Bank Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	27,453	22,296	21,946	1,258	22,055
Depreciation & Amortization	2,792	2,376	1,426	1,100	1,031
Gain (Loss) on Sale of Assets	0.21	-1.26	4.58	-4.06	-11.13
Gain (Loss) on Sale of Investments	-3,034	-2,806	7,689	-734.78	-640.03
Provision for Credit Losses	36,294	36,842	52,257	66,986	37,485
Change in Trading Asset Securities	-56,968	25,340	-15,594	-23,215	-74,100
Change in Other Net Operating Assets	-130,877	-189,569	-203,733	-213,731	-192,195
Other Operating Activities	-10,348	-18,118	-23,850	-6,275	-11,624
Operating Cash Flow	-132,582	-123,289	-159,787	-174,562	-217,999
Capital Expenditures	-2,881	-5,574	-4,121	-2,119	-2,225
Sale of Property, Plant and Equipment	18.94	11.37	22.77	10.81	26.15
Investment in Securities	-50,490	8,248	-24,966	-15,284	-23,297
Other Investing Activities	14,565	14,225	12,885	11,274	7,457
Investing Cash Flow	-38,787	16,910	-16,179	-6,118	-18,039
Short-Term Debt Issued	-	17,579	43,322	-	-
Long-Term Debt Issued	-	-	4,574	50,696	13,319
Total Debt Issued	-	17,579	47,896	50,696	13,319
Short-Term Debt Repaid	-20,768	-	-	-21,087	-7,507
Long-Term Debt Repaid	-31,562	-100,972	-	-	-
Total Debt Repaid	-52,330	-100,972	-	-21,087	-7,507
Net Debt Issued (Repaid)	-52,330	-83,393	47,896	29,609	5,812
Issuance of Common Stock	0.3	23.99	16.58	30.01	72.68
Common Dividends Paid	-2,416	-2,416	-	-1,611	-
Net Increase (Decrease) in Deposit Accounts	160,105	271,373	117,341	183,584	208,907
Financing Cash Flow	105,359	185,588	165,253	211,612	214,792
Net Cash Flow	-66,010	79,209	-10,713	30,932	-21,246
Free Cash Flow	-135,463	-128,863	-163,908	-176,681	-220,224
Free Cash Flow Margin	-138.03%	-159.48%	-217.68%	-483.77%	-381.97%
Free Cash Flow Per Share	-84.08	-79.99	-101.74	-109.66	-136.69
Cash Income Tax Paid	5,115	11,291	7,173	6,895	10,889

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