Philippine Business Bank 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	1,505	1,782	1,824	1,311	1,168	938.88
Depreciation & Amortization	514.32	330.24	295.18	328.28	305.92	280.03
Other Amortization	34.38	34.38	38.76	4.65	7.67	7.26
Gain (Loss) on Sale of Assets	-12.05	4.5	-62.28	16.62	-9.92	-3.26
Gain (Loss) on Sale of Investments	-43.95	8.32	-26.16	34.86	4.84	-302.17
Total Asset Writedown	-	-	-	820.61	-	-
Provision for Credit Losses	1,033	958.4	1,053	-	747.36	2,336
Change in Trading Asset Securities	742.9	-3,391	-4,560	260.19	9,619	-7,424
Change in Other Net Operating Assets	-3,842	-16,244	-12,119	-12,044	-2,804	-5,042
Other Operating Activities	-1,028	-1,107	298.02	-203.84	2.55	-479.3
Operating Cash Flow	-1,096	-17,625	-13,259	-9,471	9,041	-9,688
Capital Expenditures	-251.3	-115.05	-150.35	-95.73	-196.15	-92.8
Sale of Property, Plant and Equipment	8.01	8.01	22.99	9.68	84.71	9.95
Investment in Securities	-472.77	-251.26	-2,792	-326	-7,610	4,577
Purchase / Sale of Intangibles	-71.55	-71.55	-21.83	-16.42	-35.89	-34.52
Investing Cash Flow	-787.61	-429.85	-2,941	-428.47	-7,758	4,459
Long-Term Debt Issued	-	25,863	4,500	2,000	-	2,000
Long-Term Debt Repaid	-	-26,226	-1,416	-3,646	-110.98	-2,727
Total Debt Repaid	-28,363	-26,226	-1,416	-3,646	-110.98	-2,727
Net Debt Issued (Repaid)	-2,501	-363.12	3,084	-1,646	-110.98	-727
Issuance of Common Stock	-	-	1,438	312.5	-	-
Common Dividends Paid	-368.44	-368.44	-286.56	-	-	-
Preferred Dividends Paid	-39.6	-39.6	-39.6	-118.8	-	-
Total Dividends Paid	-408.04	-408.04	-326.16	-118.8	-	-
Net Increase (Decrease) in Deposit Accounts	5,450	13,092	11,975	2,138	12,053	5,205
Financing Cash Flow	2,541	12,321	16,171	685.84	11,942	4,478
Net Cash Flow	657.74	-5,734	-29.11	-9,213	13,225	-750.96
Free Cash Flow	-1,347	-17,740	-13,409	-9,567	8,845	-9,781
Free Cash Flow Margin	-20.32%	-270.62%	-211.22%	-169.13%	166.41%	-219.24%
Free Cash Flow Per Share	-1.65	-21.67	-16.77	-14.86	13.74	-15.19
Cash Interest Paid	4,684	4,684	2,654	1,058	832.27	1,521
Cash Income Tax Paid	749.94	800.15	618.83	458.87	568.48	514.91

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