Philippine National Bank (PSE:PNB)
Philippines · Delayed Price · Currency is PHP 80.00
+2.65 (3.43%)
At close: Oct 27, 2026
Philippine National Bank Cash Flow Statement
Financials in millions PHP. Fiscal year is January - December.
Millions PHP. Fiscal year is Jan - Dec.
Operating Activities
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 | 25,255 | 21,053 | 17,979 | 11,532 | 31,631 |
Depreciation & Amortization | 2,287 | 2,498 | 2,852 | 2,832 | 2,846 |
Other Amortization | 1,405 | 1,216 | 1,214 | 1,499 | 116.9 |
Gain (Loss) on Sale of Assets | -2,413 | -1,995 | -4,542 | -7,732 | -17,022 |
Gain (Loss) on Sale of Investments | 4,492 | -4,685 | -3,282 | 345.01 | -16,877 |
Total Asset Writedown | 1,645 | 3,828 | 1,569 | 38.34 | 1,899 |
Provision for Credit Losses | 2.82 | -1.91 | 5,390 | 7,160 | 10,980 |
Change in Trading Asset Securities | -16,432 | -6,757 | -2,770 | 3,609 | 11,813 |
Change in Income Taxes | 774.32 | -1,485 | 1,435 | 1,519 | 246.63 |
Change in Other Net Operating Assets | -111,247 | -23,098 | -34,780 | 115.28 | -20,292 |
Other Operating Activities | 2,935 | 2,597 | -135.19 | 9,066 | 9,037 |
Net Cash from Discontinued Operations | - | - | - | - | -489.58 |
Operating Cash Flow | -91,792 | -7,248 | -15,338 | 29,996 | 13,071 |
Operating Cash Flow Growth | - | - | - | 129.49% | -59.76% |
Investing Activities
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 |
Capital Expenditures | -750.18 | -445.45 | -419.86 | -547.08 | -1,121 |
Sale of Property, Plant and Equipment | 156.19 | 166.64 | 1,295 | 108.25 | 201.59 |
Investment in Securities | -3,907 | -28,448 | -12,376 | -15,977 | -5,598 |
Income (Loss) Equity Investments | -496 | -419.51 | -268.09 | 56.06 | -50.79 |
Divestitures | - | - | - | - | 1,002 |
Purchase / Sale of Intangibles | -983.81 | -946.94 | -598.97 | -881.57 | -655.46 |
Investing Cash Flow | -2,980 | -28,773 | -7,225 | -10,452 | -5,877 |
Financing Activities
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 |
Long-Term Debt Issued | 343,622 | 226,936 | 140,965 | 237,507 | 237,328 |
Long-Term Debt Repaid | -339,186 | -253,766 | -153,902 | -278,116 | -288,855 |
Lease Payments | -1,510 | -1,128 | -1,315 | -1,113 | -1,231 |
Net Debt Issued (Repaid) | 4,436 | -26,829 | -12,937 | -40,609 | -51,528 |
Common Dividends Paid | -4,211 | - | - | - | - |
Net Increase (Decrease) in Deposit Accounts | 89,530 | 43,686 | 56,720 | -23,726 | 4,603 |
Financing Cash Flow | 89,755 | 16,857 | 43,783 | -64,335 | -46,924 |
Net Cash Flow
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 Cash Flow | -5,017 | -19,164 | 21,220 | -44,791 | -39,730 |
Free Cash Flow
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 |
Free Cash Flow | -92,542 | -7,693 | -15,758 | 29,449 | 11,950 |
Free Cash Flow Growth | - | - | - | 146.44% | -61.76% |
Free Cash Flow Margin | -146.29% | -13.71% | -30.64% | 65.62% | 18.03% |
Free Cash Flow Per Share | -60.65 | -5.04 | -10.33 | 19.30 | 7.83 |
Free Cash Flow After Leases | -94,052 | -8,821 | -17,072 | 28,336 | 10,719 |
Additional Metrics
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 |
Cash Interest Paid | 16,417 | 18,169 | 13,298 | 7,312 | 7,690 |
Cash Income Tax Paid | 4,306 | 4,144 | 3,919 | 2,050 | 2,286 |