The Bank of Khyber Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	5,816	3,615	3,481	454.86	1,104
Depreciation & Amortization	1,718	1,636	1,438	1,103	833.31
Other Amortization	47.81	44.74	45.85	38.13	64.02
Gain (Loss) on Sale of Assets	-15.57	-10.28	-0.95	-4.37	-38.87
Gain (Loss) on Sale of Investments	29.17	17.62	-123.33	130.21	50.12
Total Asset Writedown	10.8	-35.55	78.23	-24.29	11.74
Provision for Credit Losses	-862.61	-386.27	750.19	780.26	773.42
Change in Trading Asset Securities	5.44	319.71	-	2,386	-1,118
Change in Other Net Operating Assets	-99,309	56,679	11,413	-46,983	60,222
Other Operating Activities	-7,497	7,888	1,188	-313.8	-1,935
Operating Cash Flow	-100,073	69,757	18,270	-42,434	59,919
Operating Cash Flow Growth	-	281.81%	-	-	-
Capital Expenditures	-1,385	-664.43	-768.22	-981.91	-1,501
Sale of Property, Plant and Equipment	20.31	15.41	4.56	8.78	47.78
Investment in Securities	7,124	-55,371	-49,341	7,182	-71,108
Income (Loss) Equity Investments	-15.39	-11.18	-0.01	-0.92	-46.36
Purchase / Sale of Intangibles	-105.21	-14.14	-40.49	-100.16	-11.22
Other Investing Activities	3.04	2.05	11.1	13.43	37.86
Investing Cash Flow	5,657	-56,032	-50,134	6,122	-72,534
Long-Term Debt Repaid	-1,098	-1,013	-992.58	-763.3	-513.04
Net Debt Issued (Repaid)	-1,098	-1,013	-992.58	-763.3	-513.04
Common Dividends Paid	-3,669	-1,640	-0.17	-3.17	-1,465
Net Increase (Decrease) in Deposit Accounts	100,481	-11,650	40,386	27,030	18,804
Financing Cash Flow	95,715	-14,302	39,393	26,264	16,826
Foreign Exchange Rate Adjustments	71.48	-34.14	496.3	389.01	345.69
Net Cash Flow	1,370	-610.44	8,025	-9,660	4,557
Free Cash Flow	-101,459	69,093	17,502	-43,416	58,419
Free Cash Flow Growth	-	294.78%	-	-	-
Free Cash Flow Margin	-422.91%	369.50%	114.45%	-568.04%	837.14%
Free Cash Flow Per Share	-87.62	59.67	15.12	-37.49	50.45
Cash Interest Paid	41,463	46,087	38,713	-	-
Cash Income Tax Paid	8,018	3,676	1,680	520.77	2,263

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