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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	10,840	10,559	9,520	12,218	12,080	7,082
Depreciation & Amortization	3,011	3,038	2,871	3,365	3,037	3,020
Other Amortization	598	598	508	-	-	-
Gain (Loss) on Sale of Assets	-197	-657	-1,352	-6,957	-3,088	-101
Gain (Loss) on Sale of Investments	11	11	-10	6,677	-	-
Total Asset Writedown	1,846	49	282	211	5,706	5,825
Provision for Credit Losses	14,846	14,846	8,281	-	-	-
Change in Trading Asset Securities	-6,489	-2,741	1,544	-4,741	-1,174	-975
Change in Other Net Operating Assets	-91,817	-66,647	-55,669	-75,024	-23,168	-67,058
Other Operating Activities	-9,167	-9,444	-15,183	-19,861	774	-1,894
Operating Cash Flow	-76,481	-50,770	-49,693	-81,614	-5,609	-53,983
Capital Expenditures	-3,922	-3,630	-1,387	-3,716	-1,627	-1,333
Sale of Property, Plant and Equipment	1,608	1,608	1,047	9,836	2,487	88
Investment in Securities	33,561	59,117	-99,989	50,061	-159,227	-130,485
Income (Loss) Equity Investments	17	-	-85	-92	-32	-12
Purchase / Sale of Intangibles	-805	-632	-519	-381	-334	-494
Other Investing Activities	335	328	322	318	293	105
Investing Cash Flow	30,777	56,791	-100,526	56,118	-158,408	-132,119
Long-Term Debt Issued	-	93,485	67,086	15,333	76,898	166,693
Long-Term Debt Repaid	-	-85,754	-44,140	-70,939	-86,300	-124,188
Net Debt Issued (Repaid)	-26,153	7,731	22,946	-55,606	-9,402	42,505
Issuance of Common Stock	-	-	-	26,708	-	4,369
Repurchase of Common Stock	-17,130	-17,130	-	-	-12	-
Common Dividends Paid	-2,250	-2,815	-3,548	-3,289	-2,308	-1,897
Net Increase (Decrease) in Deposit Accounts	90,519	2,661	66,082	99,468	184,785	136,671
Financing Cash Flow	44,986	-9,553	85,480	67,281	173,063	181,648
Net Cash Flow	-718	-3,532	-64,739	41,785	9,046	-4,454
Free Cash Flow	-80,403	-54,400	-51,080	-85,330	-7,236	-55,316
Free Cash Flow Margin	-164.45%	-112.57%	-113.33%	-198.76%	-18.93%	-176.27%
Free Cash Flow Per Share	-33.49	-22.48	-21.11	-38.82	-3.55	-27.95
Cash Interest Paid	29,292	29,292	36,633	30,830	12,577	8,244
Cash Income Tax Paid	2,554	2,554	3,709	4,099	2,069	859

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