BDO Unibank Cash Flow Statement

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

Millions PHP. 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	Jan '23 Jan 1, 2023	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	84,490	82,019	73,411	57,054	42,791	28,246
Depreciation & Amortization	10,564	10,030	9,739	8,425	7,856	8,456
Other Amortization	2,141	2,141	2,917	1,343	1,342	734
Gain (Loss) on Sale of Investments	14,196	12,713	15,756	17,150	16,303	25,326
Total Asset Writedown	162	-252	68	-157	33	616
Change in Trading Asset Securities	-9,129	-11,845	-794	4,626	-10,287	-9,976
Change in Other Net Operating Assets	-449,873	-369,754	-274,897	-226,386	-134,729	-60,427
Other Operating Activities	-5,374	-2,899	6,427	-6,703	-5,148	2,770
Operating Cash Flow	-354,498	-279,244	-168,646	-145,497	-82,653	-4,725
Capital Expenditures	-11,302	-9,634	-6,843	-3,888	-3,853	-3,089
Sale of Property, Plant and Equipment	146	139	111	285	158	131
Investment in Securities	-65,925	-29,242	-201,991	-105,021	-87,206	-66,017
Income (Loss) Equity Investments	-1,675	-1,397	-1,273	-849	-814	-470
Investing Cash Flow	-77,081	-38,737	-208,723	-108,624	-90,901	-68,975
Long-Term Debt Issued	-	298,109	187,614	140,241	127,859	375,207
Long-Term Debt Repaid	-	-236,567	-202,683	-158,616	-143,143	-340,239
Net Debt Issued (Repaid)	32,160	61,542	-15,069	-18,375	-15,284	34,968
Issuance of Common Stock	817	521	549	144	133	306
Common Dividends Paid	-19,765	-19,765	-15,800	-5,528	-5,263	-5,261
Preferred Dividends Paid	-407	-407	-407	-339	-340	-339
Total Dividends Paid	-22,680	-20,172	-16,207	-5,867	-5,603	-5,600
Net Increase (Decrease) in Deposit Accounts	367,339	226,483	343,249	398,047	210,839	126,307
Other Financing Activities	22	-109	-	-2	-	-
Financing Cash Flow	377,658	268,265	312,522	369,561	190,085	155,981
Net Cash Flow	-53,921	-49,716	-64,847	115,440	16,531	82,281
Free Cash Flow	-365,800	-288,878	-175,489	-149,385	-86,506	-7,814
Free Cash Flow Margin	-136.38%	-115.52%	-77.14%	-83.18%	-49.22%	-4.91%
Free Cash Flow Per Share	-68.07	-53.87	-32.73	-27.81	-16.13	-1.47
Cash Interest Paid	89,801	82,753	53,774	19,959	13,039	24,211
Cash Income Tax Paid	19,188	18,642	20,076	13,640	13,213	15,857

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