OVCHY Cash Flow Statement

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

Millions SGD. 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	7,422	7,587	7,021	5,526	4,858
Depreciation & Amortization	565	515	543	530	586
Gain (Loss) on Sale of Assets	-18	-36	-71	-99	-107
Gain (Loss) on Sale of Investments	256	332	-26	336	12
Total Asset Writedown	55	129	70	79	6
Provision for Credit Losses	610	561	663	505	867
Change in Trading Asset Securities	-2,224	-7,164	866	-3,577	-2,972
Change in Other Net Operating Assets	-38,035	-23,494	-13,563	-2,843	-14,305
Other Operating Activities	228	-265	-25	-20	-74
Operating Cash Flow	-32,156	-22,767	-5,414	-393	-11,880
Capital Expenditures	-983	-614	-537	-479	-443
Sale of Property, Plant and Equipment	45	44	89	128	152
Cash Acquisitions	-	-31	-	-	-
Investment in Securities	-7,652	-3,889	-10,138	-1,307	-7,638
Income (Loss) Equity Investments	-1,077	-994	-953	-910	-824
Other Investing Activities	294	158	132	145	138
Investing Cash Flow	-8,296	-4,332	-10,454	-1,513	-7,791
Long-Term Debt Issued	1,438	5,722	4,752	2,939	-
Total Debt Issued	1,438	5,722	4,752	2,939	-
Long-Term Debt Repaid	-1,885	-1,430	-77	-89	-4,331
Total Debt Repaid	-1,885	-1,430	-77	-89	-4,331
Net Debt Issued (Repaid)	-447	4,292	4,675	2,850	-4,331
Issuance of Common Stock	796	602	662	648	140
Repurchase of Common Stock	-445	-194	-1,205	-250	-406
Common Dividends Paid	-4,545	-3,987	-3,733	-2,620	-1,544
Total Dividends Paid	-4,545	-3,987	-3,733	-2,620	-1,544
Net Increase (Decrease) in Deposit Accounts	41,281	26,731	14,541	9,325	26,163
Other Financing Activities	-	-643	-44	-	-1
Financing Cash Flow	36,640	26,801	14,896	9,953	20,021
Foreign Exchange Rate Adjustments	-469	257	-142	-773	282
Net Cash Flow	-4,281	-41	-1,114	7,274	632
Free Cash Flow	-33,139	-23,381	-5,951	-872	-12,323
Free Cash Flow Margin	-237.57%	-169.64%	-46.59%	-8.15%	-126.74%
Free Cash Flow Per Share	-7.28	-5.15	-1.32	-0.19	-2.74
Cash Income Tax Paid	1,480	1,589	1,412	1,167	913

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