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 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	8,947	8,830	-5,206	-5,327	-3,188	-2,912
Depreciation & Amortization	1,026	1,013	1,029	1,071	1,129	1,153
Other Amortization	79.72	79.72	39.88	24.2	23.11	22.6
Gain (Loss) on Sale of Assets	-4,230	-4,229	-671.85	-518.68	-72.01	-17.07
Gain (Loss) on Sale of Investments	-1,622	-1,673	0.31	-2,115	35.62	-740.9
Total Asset Writedown	-88.14	-88.14	-0.64	-0.3	61.12	113.88
Provision for Credit Losses	-19,163	-19,163	-1,470	974.52	486.41	313.23
Change in Trading Asset Securities	-142.6	-163.09	38.37	-44.6	-	-
Change in Other Net Operating Assets	-56,214	-76,240	-21,942	90,411	12,757	2,974
Other Operating Activities	9,183	10,253	-2,144	-2,017	-3,869	-1,759
Operating Cash Flow	-62,224	-81,381	-30,327	82,458	7,362	-852.58
Operating Cash Flow Growth	-	-	-	1020.02%	-	-
Capital Expenditures	-137.45	-156.66	-292.86	-272.82	-114.94	-308.38
Sale of Property, Plant and Equipment	1,325	1,325	1,314	1,045	159.62	19.35
Investment in Securities	64,981	89,032	6,031	-126,023	-20,449	-3,205
Purchase / Sale of Intangibles	-69.31	-71.22	-108.76	-142.79	-29.12	-82.27
Other Investing Activities	18.61	14.99	8.14	3.48	10.01	31.35
Investing Cash Flow	66,118	90,143	6,952	-125,390	-20,423	-3,545
Long-Term Debt Repaid	-	-904.94	-846.78	-860.42	-849.43	-716.63
Net Debt Issued (Repaid)	-887.96	-904.94	-846.78	-860.42	-849.43	-716.63
Issuance of Common Stock	5,000	5,000	-	10,000	-	-
Net Increase (Decrease) in Deposit Accounts	-13,393	-17,004	28,984	35,015	12,437	7,695
Other Financing Activities	-	-	-	-166.65	-	-
Financing Cash Flow	-9,280	-12,909	28,137	43,988	11,588	6,978
Foreign Exchange Rate Adjustments	-	-	-	-	789.02	274.42
Net Cash Flow	-5,386	-4,146	4,763	1,056	-684.36	2,855
Free Cash Flow	-62,362	-81,538	-30,620	82,186	7,247	-1,161
Free Cash Flow Growth	-	-	-	1034.02%	-	-
Free Cash Flow Margin	-224.09%	-290.69%	-3580.97%	-	-	-197.95%
Free Cash Flow Per Share	-62.30	-81.54	-117.56	308.14	54.94	-8.80
Cash Income Tax Paid	443.04	443.04	596.9	351.48	80.63	78.17

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