Bank Makramah 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	-1,134	-5,201	-5,327	-3,188	-2,912	-6,934
Depreciation & Amortization	1,043	1,029	1,071	1,129	1,153	1,125
Other Amortization	74.76	39.88	24.2	23.11	22.6	26.28
Gain (Loss) on Sale of Assets	-75.37	-671.85	-518.68	-72.01	-17.07	-3.34
Gain (Loss) on Sale of Investments	-610.87	0.31	-2,115	35.62	-740.9	325.68
Total Asset Writedown	0.94	-0.64	-0.3	61.12	113.88	201.04
Provision for Credit Losses	-5,816	-1,470	974.52	486.41	313.23	4,344
Change in Trading Asset Securities	-93.33	38.37	-44.6	-	-	5.54
Change in Other Net Operating Assets	-44,216	-21,947	90,411	12,757	2,974	3,273
Other Operating Activities	653.8	-2,144	-2,017	-3,869	-1,759	-2,976
Operating Cash Flow	-50,173	-30,327	82,458	7,362	-852.58	-612.53
Operating Cash Flow Growth	-	-	1020.02%	-	-	-
Capital Expenditures	-166.11	-292.86	-272.82	-114.94	-308.38	-73.85
Sale of Property, Plant and Equipment	246.87	1,314	1,045	159.62	19.35	4.48
Investment in Securities	46,133	6,031	-126,023	-20,449	-3,205	-5,401
Purchase / Sale of Intangibles	-130.71	-108.76	-142.79	-29.12	-82.27	-3.53
Other Investing Activities	9.12	8.14	3.48	10.01	31.35	16.92
Investing Cash Flow	46,092	6,952	-125,390	-20,423	-3,545	-5,457
Long-Term Debt Repaid	-	-846.78	-860.42	-849.43	-716.63	-677.47
Net Debt Issued (Repaid)	-938.69	-846.78	-860.42	-849.43	-716.63	-677.47
Issuance of Common Stock	5,000	-	10,000	-	-	-
Net Increase (Decrease) in Deposit Accounts	3,071	28,984	35,015	12,437	7,695	13,255
Other Financing Activities	-	-	-166.65	-	-	-
Financing Cash Flow	7,132	28,137	43,988	11,588	6,978	12,578
Foreign Exchange Rate Adjustments	-	-	-	789.02	274.42	64.1
Net Cash Flow	3,051	4,762	1,056	-684.36	2,855	6,572
Free Cash Flow	-50,339	-30,619	82,186	7,247	-1,161	-686.38
Free Cash Flow Growth	-	-	1034.02%	-	-	-
Free Cash Flow Margin	-621.47%	-3580.96%	-	-	-197.95%	-
Free Cash Flow Per Share	-152.03	-92.47	308.14	54.94	-8.80	-5.20
Cash Income Tax Paid	491.02	596.51	351.48	80.63	78.17	115.34

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