Bank of Palestine Cash Flow Statement

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

Millions USD. 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	30.37	-28.9	13.11	60.91	49.13	19.88
Depreciation & Amortization	14.78	15.02	15.6	15.54	15.81	16.87
Other Amortization	2.59	2.59	2.39	2.33	2.12	1.99
Gain (Loss) on Sale of Assets	-1.05	-0.9	-0.16	-0.27	0.3	0
Gain (Loss) on Sale of Investments	-9.73	-0.61	2.07	-1.38	-7.95	-0.61
Total Asset Writedown	-2.07	-2.07	-0.18	0.02	1.34	-0.05
Provision for Credit Losses	122.65	87.66	99.71	28.45	26.67	40.99
Change in Other Net Operating Assets	-403.34	-203.6	-402.54	-150.43	-213.12	-313.34
Other Operating Activities	10.58	-39.42	-35.57	19.7	23.25	11.46
Operating Cash Flow	-235.07	-170.38	-305.75	-27.76	-102.91	-223.26
Capital Expenditures	-11.54	-9.72	-10.04	-6.17	-8.19	-10.66
Sale of Property, Plant and Equipment	0.52	0.2	0.31	0.42	0.2	0.22
Investment in Securities	-487.57	-395.13	18.31	-41.8	63.65	39.84
Income (Loss) Equity Investments	0.15	-0.15	-0.18	-2.63	-0.46	-0.44
Purchase / Sale of Intangibles	-1.6	-2.07	-2.1	-2.7	-1.3	-2.12
Other Investing Activities	-15.62	1.26	3.88	10.73	-4.35	-2.73
Investing Cash Flow	-515.82	-405.47	8.55	-36.57	50.01	24.39
Long-Term Debt Issued	-	76.5	5	29.21	20.81	23.95
Long-Term Debt Repaid	-	-34.93	-29.22	-17.19	-7.29	-4.26
Net Debt Issued (Repaid)	-32.39	41.57	-24.22	12.02	13.51	19.68
Issuance of Common Stock	23.41	45.05	29.55	0	12	0
Common Dividends Paid	-0.09	-0.29	-23.77	-21.59	-10.55	-17.46
Net Increase (Decrease) in Deposit Accounts	2,233	1,236	511.95	-46.94	432.62	708.95
Other Financing Activities	-1.98	-1.98	-3.53	-	-	-
Financing Cash Flow	2,222	1,320	489.99	-56.5	447.58	711.18
Net Cash Flow	1,471	744.34	192.79	-120.83	394.67	512.31
Free Cash Flow	-246.61	-180.1	-315.79	-33.93	-111.1	-233.92
Free Cash Flow Margin	-116.49%	-142.99%	-163.76%	-12.61%	-47.10%	-129.09%
Free Cash Flow Per Share	-0.95	-0.76	-1.37	-0.15	-0.49	-1.05
Cash Interest Paid	60.33	55.63	47.66	38.93	52.23	53.73
Cash Income Tax Paid	16.45	27.6	39.82	27.28	11.47	14.56

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