PSE:BPI Cash Flow Statement

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

Millions PHP. 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	66,615	62,049	51,687	39,605	23,880
Depreciation & Amortization	5,918	5,257	6,615	5,445	6,249
Gain (Loss) on Sale of Assets	-399	703	-361	-4,981	44
Gain (Loss) on Sale of Investments	-3,466	-2,258	-929	-184	-7
Total Asset Writedown	-197	375	27	83	457
Provision for Credit Losses	17,761	5,389	3,977	8,381	12,770
Change in Trading Asset Securities	-37,930	-23,569	-1,455	-801	16,134
Change in Income Taxes	924	-587	798	1,382	-707
Change in Other Net Operating Assets	-368,565	-236,366	-183,954	-228,063	-93,016
Other Operating Activities	944	-3,529	-739	-4,077	2,744
Operating Cash Flow	-321,595	-195,306	-125,790	-184,273	-32,496
Capital Expenditures	-6,297	-3,416	-4,778	-1,657	-5,595
Sale of Property, Plant and Equipment	519	849	2,144	1,200	789
Cash Acquisitions	1,317	22,124	769	694	1,432
Investment in Securities	-20,136	26,026	-77,234	-46,210	-101,885
Income (Loss) Equity Investments	-3,205	-2,738	-1,372	-1,055	-1,086
Other Investing Activities	-551	-325	-170	534	834
Investing Cash Flow	-25,148	45,258	-79,269	-40,718	-104,437
Long-Term Debt Issued	278,737	392,738	138,190	2,464	-
Long-Term Debt Repaid	-221,428	-384,156	-100,824	-1,624	-58,808
Net Debt Issued (Repaid)	57,309	8,582	37,366	840	-58,808
Issuance of Common Stock	669	573	456	208	256
Repurchase of Common Stock	-	-	-372	-	-
Common Dividends Paid	-23,037	-20,878	-15,934	-9,568	-8,124
Net Increase (Decrease) in Deposit Accounts	223,723	173,533	199,096	140,855	238,976
Other Financing Activities	-158	-157	-191	-177	-
Financing Cash Flow	258,506	161,653	220,421	132,158	172,300
Net Cash Flow	-88,237	11,605	15,362	-92,833	35,367
Free Cash Flow	-327,892	-198,722	-130,568	-185,930	-38,091
Free Cash Flow Margin	-184.70%	-121.51%	-97.21%	-170.02%	-45.20%
Free Cash Flow Per Share	-62.10	-37.74	-27.54	-37.81	-7.75
Cash Interest Paid	65,412	61,381	38,341	17,238	15,352
Cash Income Tax Paid	18,747	16,084	14,004	12,938	7,497

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