PSE:BPI 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	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	64,548	62,049	51,687	39,605	23,880	21,409
Depreciation & Amortization	5,498	5,257	6,615	5,445	6,249	6,023
Gain (Loss) on Sale of Assets	603	703	-361	-4,981	44	-
Gain (Loss) on Sale of Investments	-2,499	-2,258	-929	-184	-7	-
Total Asset Writedown	7,325	375	27	83	457	27,582
Provision for Credit Losses	5,389	5,389	3,977	8,381	12,770	-
Change in Trading Asset Securities	-38,994	-23,569	-1,455	-801	16,134	-13,270
Change in Income Taxes	700	-587	798	1,382	-707	315
Change in Other Net Operating Assets	-297,464	-236,367	-183,954	-228,063	-93,016	33,036
Other Operating Activities	1,854	-4,008	-1,081	-4,077	2,744	-6,400
Net Cash from Discontinued Operations	-	-	-	-	-	172
Operating Cash Flow	-255,945	-195,786	-126,132	-184,273	-32,496	68,427
Capital Expenditures	-4,845	-3,416	-4,778	-1,657	-5,595	-1,041
Sale of Property, Plant and Equipment	945	849	2,144	1,200	789	273
Cash Acquisitions	661	22,124	769	694	1,432	-1,926
Investment in Securities	-1,722	26,026	-77,234	-46,210	-101,885	-46,513
Income (Loss) Equity Investments	-2,896	-2,738	-1,372	-1,055	-1,086	-487
Other Investing Activities	381	-325	-170	534	834	-424
Investing Cash Flow	-4,580	45,258	-79,269	-40,718	-104,437	-49,625
Long-Term Debt Issued	-	11,127	39,601	2,464	-	1,110
Long-Term Debt Repaid	-	-2,066	-1,893	-1,624	-58,808	-1,458
Net Debt Issued (Repaid)	51,394	9,061	37,708	840	-58,808	-348
Issuance of Common Stock	705	573	456	208	256	361
Repurchase of Common Stock	-	-	-372	-	-	-
Common Dividends Paid	-21,430	-20,877	-15,934	-9,568	-8,124	-8,124
Net Increase (Decrease) in Deposit Accounts	191,776	173,533	199,096	140,855	238,976	20,827
Other Financing Activities	-157	-157	-191	-177	-	-
Financing Cash Flow	222,288	162,133	220,763	132,158	172,300	12,716
Net Cash Flow	-38,237	11,605	15,362	-92,833	35,367	31,518
Free Cash Flow	-260,790	-199,202	-130,910	-185,930	-38,091	67,386
Free Cash Flow Margin	-150.61%	-121.81%	-97.46%	-170.02%	-45.20%	91.16%
Free Cash Flow Per Share	-49.44	-37.83	-27.61	-37.81	-7.75	13.70
Cash Interest Paid	64,160	61,860	38,683	17,238	15,352	25,768
Cash Income Tax Paid	17,177	16,084	14,004	12,938	7,497	11,601

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