BankIslami Pakistan Cash Flow Statement

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

Millions PKR. 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	6,734	11,834	10,610	4,484	2,031	1,546
Depreciation & Amortization	3,670	3,036	1,938	1,841	1,561	1,540
Other Amortization	489.94	413.72	156.05	149.4	1,176	1,175
Gain (Loss) on Sale of Assets	-68.15	-50.45	-39.97	-228.55	41.57	-3.61
Gain (Loss) on Sale of Investments	-302.15	-296.48	1,207	1.07	-14.02	-15.59
Total Asset Writedown	1,480	1,502	199.11	-	-	-
Provision for Credit Losses	-551.25	1,178	4,828	3,811	335.61	2,230
Change in Trading Asset Securities	-2.33	54.34	-	-	-	-
Change in Other Net Operating Assets	-46,082	-20,650	13,146	-13,290	-40,922	-534.52
Other Operating Activities	3,490	3,346	3,075	3,095	904.98	1,392
Net Cash from Discontinued Operations	-	-	-	-	-591.07	74.6
Operating Cash Flow	-31,078	367.43	35,060	-181.41	-35,484	7,634
Operating Cash Flow Growth	-	-98.95%	-	-	-	-
Capital Expenditures	-10,186	-4,247	-3,063	-1,571	-2,464	-475.37
Sale of Property, Plant and Equipment	81.52	76.2	568.67	83.26	33.25	255.55
Investment in Securities	-7,386	-27,417	-133,475	-55,162	-29,594	-41,624
Income (Loss) Equity Investments	62.69	-	-60.64	-44.58	-7.63	229.79
Purchase / Sale of Intangibles	-829.94	-723.28	-501.65	-176.57	-134.63	-71.8
Other Investing Activities	169.04	67.29	68.55	-1,191	-306.33	-949.31
Investing Cash Flow	-18,152	-32,244	-136,402	-58,018	-32,466	-42,865
Long-Term Debt Issued	-	150	-	850	-	300
Long-Term Debt Repaid	-	-2,556	-1,798	-	-	-
Net Debt Issued (Repaid)	-2,280	-2,406	-1,798	850	-	300
Common Dividends Paid	-3,115	-2,939	-2,847	-	-	-
Net Increase (Decrease) in Deposit Accounts	52,539	36,637	106,629	71,124	61,851	52,754
Financing Cash Flow	47,144	31,292	101,984	71,974	61,851	53,054
Net Cash Flow	-2,086	-584.43	642.39	13,774	-6,098	17,824
Free Cash Flow	-41,264	-3,880	31,997	-1,753	-37,947	7,159
Free Cash Flow Margin	-89.24%	-8.06%	87.85%	-8.73%	-297.32%	62.58%
Free Cash Flow Per Share	-37.22	-3.50	28.86	-1.58	-34.23	6.46
Cash Income Tax Paid	13,386	15,776	7,974	1,285	534.45	514.34

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