Faysal Bank 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	19,099	23,892	20,246	11,438	8,353	6,681
Depreciation & Amortization	7,440	5,513	4,203	3,204	3,013	2,925
Other Amortization	449.96	449.96	326.17	222.19	148.25	187.41
Gain (Loss) on Sale of Assets	-52.68	-40.63	-22.41	-52.72	-72.93	-21.45
Gain (Loss) on Sale of Investments	2.07	-40.79	464.39	-359.14	-285.99	-119.8
Total Asset Writedown	-3	-3	43.85	-42.93	27.1	73.74
Provision for Credit Losses	-5,128	-2,284	316.59	-329.05	833.7	2,298
Change in Trading Asset Securities	1,835	6,127	234.47	12,267	-5,368	24,105
Change in Other Net Operating Assets	-75,733	78,097	-97,234	-24,293	-29,904	-20,502
Other Operating Activities	18,361	1,357	-12,999	2,750	1,600	2,733
Operating Cash Flow	-34,084	112,620	-84,582	4,714	-21,714	18,203
Capital Expenditures	-16,261	-18,682	-6,966	-3,379	-3,103	-1,395
Sale of Property, Plant and Equipment	569.2	39.57	61.53	60.29	32.84	43.28
Investment in Securities	-54,734	-75,464	-111,502	-127,439	-77,775	-99,384
Income (Loss) Equity Investments	-354.68	-447.56	-161.29	-89.63	-58.23	-156.17
Purchase / Sale of Intangibles	-877.71	-817.27	-757.32	-548.11	-434.24	-405.6
Other Investing Activities	372.56	376.54	327.23	513.46	913.72	272.58
Investing Cash Flow	-70,931	-94,547	-118,837	-130,792	-80,365	-100,869
Long-Term Debt Repaid	-	-3,770	-2,357	-3,254	-2,215	-1,819
Net Debt Issued (Repaid)	-3,807	-3,770	-2,357	-3,254	-2,215	-1,819
Common Dividends Paid	-10,514	-16,474	-4,465	-10,419	-751.47	-0.78
Net Increase (Decrease) in Deposit Accounts	110,888	25,751	236,709	137,516	103,408	82,847
Financing Cash Flow	96,567	5,507	229,887	123,843	100,441	81,027
Foreign Exchange Rate Adjustments	-442.83	137.52	-1,539	-	-	-
Net Cash Flow	-8,890	23,717	24,929	-2,235	-1,638	-1,639
Free Cash Flow	-50,344	93,938	-91,549	1,335	-24,816	16,808
Free Cash Flow Margin	-48.42%	91.52%	-110.36%	2.65%	-71.50%	54.89%
Free Cash Flow Per Share	-33.17	61.90	-60.32	0.88	-16.35	11.07
Cash Interest Paid	103,546	145,973	115,128	-	-	-
Cash Income Tax Paid	28,896	34,525	20,958	9,611	4,739	1,977

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.