Samba 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	405.14	699.33	1,235	-427.94	788.98	1,012
Depreciation & Amortization	646.39	532.46	523.32	428.93	354.44	341.08
Other Amortization	134.53	113.78	98.33	75.58	48.74	40.81
Gain (Loss) on Sale of Assets	-16.67	-1.79	-5.41	-6.46	-30.55	-10.13
Gain (Loss) on Sale of Investments	-265.3	-213.32	473.01	1,096	-583.19	-354.9
Total Asset Writedown	-	0.91	0.01	3.52	1.04	10.66
Provision for Credit Losses	993.95	1,843	2,213	2,040	1,144	266.5
Change in Trading Asset Securities	18.36	-2,958	79.68	-216.23	248.01	-189.54
Change in Other Net Operating Assets	36,994	34,930	-16,569	-44,427	20,576	10,520
Other Operating Activities	-702.01	1,161	635.49	-881.95	-53.59	134.53
Operating Cash Flow	38,208	36,108	-11,316	-42,315	22,494	11,771
Operating Cash Flow Growth	10.49%	-	-	-	91.10%	298.57%
Capital Expenditures	-770.33	-645.93	-240.17	-293.13	-1,423	-190.38
Sale of Property, Plant and Equipment	37.26	3.55	6.54	17.91	9.75	0.84
Investment in Securities	-48,877	-26,203	6,683	15,753	-27,373	-15,861
Other Investing Activities	68.93	69.07	60.62	52.95	67.19	43.37
Investing Cash Flow	-49,541	-26,777	6,510	15,531	-28,720	-16,007
Long-Term Debt Issued	-	-	-	-	5,000	-
Long-Term Debt Repaid	-	-478.19	-401.45	-317.39	-249.26	-262.68
Net Debt Issued (Repaid)	-642.45	-478.19	-401.45	-317.39	4,751	-262.68
Issuance of Common Stock	-	-	-	-	1,541	-
Common Dividends Paid	-	-0.03	-0.03	-592.53	-740.3	-
Net Increase (Decrease) in Deposit Accounts	13,291	-7,590	9,488	25,976	841.72	6,544
Other Financing Activities	-807.42	-1,189	-969.15	-	-	-
Financing Cash Flow	11,841	-9,258	8,118	25,067	6,393	6,281
Net Cash Flow	508.34	73.48	3,312	-1,718	167.25	2,045
Free Cash Flow	37,438	35,462	-11,556	-42,608	21,071	11,580
Free Cash Flow Growth	9.58%	-	-	-	81.95%	322.80%
Free Cash Flow Margin	561.24%	490.14%	-164.65%	-1360.65%	448.07%	247.03%
Free Cash Flow Per Share	37.13	35.17	-11.46	-42.26	20.90	11.49
Cash Interest Paid	17,748	21,783	19,774	8.7	1.15	8.11
Cash Income Tax Paid	1,819	1,797	995.27	625.83	786.86	588.11

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