Rizal Commercial Banking 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	11,485	9,520	12,218	12,080	7,082	5,020
Depreciation & Amortization	3,057	2,871	2,859	3,037	3,020	2,924
Other Amortization	508	508	506	-	-	-
Gain (Loss) on Sale of Assets	-1,143	-1,352	-6,957	-3,088	-101	-37
Gain (Loss) on Sale of Investments	-10	-10	-2	-	-	-2,695
Total Asset Writedown	5,327	282	211	5,706	5,825	9,273
Provision for Credit Losses	8,281	8,281	6,574	-	-	-
Change in Trading Asset Securities	-2,123	1,544	-4,741	-1,174	-975	660
Change in Other Net Operating Assets	-84,649	-55,669	-75,024	-23,168	-67,058	-29,282
Other Operating Activities	-15,058	-15,183	-19,756	774	-1,894	-2,957
Operating Cash Flow	-74,189	-49,693	-81,614	-5,609	-53,983	-16,674
Capital Expenditures	-1,297	-1,387	-3,716	-1,627	-1,333	-1,764
Sale of Property, Plant and Equipment	1,047	1,047	9,836	2,487	88	92
Investment in Securities	2,038	-99,989	50,061	-159,227	-130,485	74,459
Income (Loss) Equity Investments	-208	-85	-92	-32	-12	94
Purchase / Sale of Intangibles	-492	-519	-381	-334	-494	-591
Other Investing Activities	327	322	318	293	105	78
Investing Cash Flow	1,623	-100,526	56,118	-158,408	-132,119	72,274
Long-Term Debt Issued	-	67,086	15,333	76,898	166,693	308,388
Long-Term Debt Repaid	-	-44,140	-70,939	-86,300	-124,188	-400,402
Net Debt Issued (Repaid)	40,805	22,946	-55,606	-9,402	42,505	-92,014
Issuance of Common Stock	-	-	26,708	-	4,369	14,463
Repurchase of Common Stock	-17,130	-	-	-12	-	-
Common Dividends Paid	-	-3,548	-3,289	-2,308	-1,897	-1,076
Total Dividends Paid	-	-3,548	-3,289	-2,308	-1,897	-1,076
Net Increase (Decrease) in Deposit Accounts	6,524	66,082	99,468	184,785	136,671	79,207
Financing Cash Flow	27,411	85,480	67,281	173,063	181,648	580
Net Cash Flow	-45,155	-64,739	41,785	9,046	-4,454	56,180
Free Cash Flow	-75,486	-51,080	-85,330	-7,236	-55,316	-18,438
Free Cash Flow Margin	-154.00%	-113.33%	-198.76%	-18.93%	-176.27%	-64.61%
Free Cash Flow Per Share	-30.02	-21.11	-38.82	-3.55	-27.95	-9.52
Cash Interest Paid	32,040	36,633	30,830	12,577	8,244	11,669
Cash Income Tax Paid	3,424	3,709	4,099	2,069	859	2,009

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