Cash Flow Statement

Operating Cash Flow

-282%

10Y

-27%

Currency: PHP

	Jun-2002	Sep-2002	Dec-2002	Mar-2003	Jun-2003	Sep-2003	Dec-2003	Mar-2004	Jun-2004	Sep-2004	Dec-2004	Mar-2005	Jun-2005	Mar-2006	Jun-2006	Sep-2006	Dec-2006	Mar-2007	Jun-2007	Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025	Jun-2025	Sep-2025
Operating Cash Flow
Net Income	(6 426)	(1 593)	(3 191)	(2 364)	(1 633)	(1 483)	641	607	590	701	977	1 161	1 326	128	228	586	1 753	1 709	1 727	2 081	2 108	2 344	2 546	2 134	1 964	2 289	2 598	3 042	2 282	2 375	2 499	2 657	4 957	4 133	3 830	4 453	5 635	6 871	7 342	7 576	5 692	7 717	9 170	8 465	6 430	4 707	4 297	4 161	6 906	6 784	7 297	7 971	7 975	9 879	9 651	9 198	6 415	4 454	3 744	4 905	10 401	10 973	14 390	14 973	13 440	13 792	11 153	11 583	12 112	11 294	8 692	8 673	548	1 144	21 699	21 876	37 971	39 300	29 414	26 262	0	0	0	0	21 973	28 075	34 244	40 736	26 278	27 901	29 751	31 174
Depreciation & Amortization	811	498	515	506	500	481	457	460	505	462	763	459	387	71	161	352	1 142	1 132	1 146	1 262	1 207	1 138	1 156	1 015	893	835	821	1 246	1 372	1 296	1 324	1 089	995	1 070	1 024	861	818	765	784	799	820	1 027	1 151	1 329	1 706	1 916	1 593	2 215	1 496	1 566	2 347	1 538	1 463	1 455	1 464	1 793	1 555	1 576	1 583	1 651	1 684	1 760	1 848	1 894	1 951	1 769	2 371	2 606	2 804	3 276	3 013	3 059	3 184	3 171	3 297	3 275	2 895	3 199	3 305	3 660	4 226	4 113	4 150	4 046	3 976	3 904	3 630	3 487	3 659	3 632	3 689	3 681
Other Non-Cash Items	616	(355)	1 402	872	332	227	2 199	2 156	1 796	1 718	692	1 275	805	252	(365)	(1 541)	(2 413)	(3 223)	(1 321)	(425)	(4 514)	(4 071)	(4 373)	(4 120)	144	225	418	(5)	(1 041)	(1 200)	(1 740)	(2 076)	(4 102)	(4 798)	(3 568)	(1 978)	(5 080)	(5 821)	(6 530)	(10 283)	(5 824)	(6 874)	(7 832)	(4 960)	(3 161)	(666)	385	1 519	(2 939)	(2 908)	(2 739)	(2 538)	(2 508)	(3 745)	(6 594)	(9 416)	(2 160)	(188)	2 621	3 677	(3 013)	(2 560)	(7 596)	(3 763)	(3 069)	(4 962)	1 614	(4 754)	(4 732)	(2 110)	(7 375)	(5 565)	(3 931)	(4 510)	(34 463)	(30 059)	(28 712)	(28 092)	4 619	5 468	(2 205)	(8 913)	(8 485)	(12 683)	(7 180)	(2 996)	(3 035)	(8 785)	(5 570)	(7 502)	(9 963)	(4 615)
Cash Taxes Paid	952	535	487	416	574	637	595	544	505	517	480	675	719	(43)	7	213	950	846	604	590	547	726	1 057	1 057	733	(197)	(347)	(444)	753	929	975	1 051	883	874	872	828	857	921	795	1 000	779	1 180	970	1 248	1 183	340	899	701	900	1 229	1 189	1 397	718	768	1 674	1 181	785	733	(147)	106	1 524	2 362	2 481	3 639	4 061	3 940	4 091	3 281	3 369	3 215	3 687	4 061	1 649	2 157	1 346	1 074	2 286	1 465	1 501	1 127	2 050	2 365	3 524	3 868	3 919	4 554	4 368	3 853	4 144	3 767	3 604	4 391
Cash Interest Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	392	2 866	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change in Working Capital	19 346	13 655	13 984	16 269	16 979	15 954	14 409	11 457	9 341	10 853	15 218	15 138	15 716	(3 712)	1 193	3 131	2 991	177	(10 818)	(5 525)	3 000	(476)	(1 730)	(14 275)	(10 701)	(2 759)	1 305	11 168	14 800	5 022	18 329	17 987	(2 063)	10 196	(4 311)	(14 242)	2 485	(16 652)	(18 593)	4 398	(10 674)	9 950	38 336	36 490	43 387	30 033	(13 786)	(52 136)	(66 889)	(63 822)	(55 858)	(21 817)	(8 945)	8 224	26 708	24 451	22 298	27 080	31 026	(12 387)	(11 361)	(9 821)	(36 675)	(4 718)	776	(32 765)	(2 584)	13 519	11 940	(20 407)	26 380	(11 209)	96 859	83 841	(2 405)	58 339	5 521	72 827	78 323	(2 794)	(12 265)	(57 226)	15 362	47 929	22 375	39 029	8 912	20 718	19 289	23 892	4 478	(49 520)
Cash from Operating Activities	14 347 N/A	12 206 -15%	12 710 +4%	15 283 +20%	16 177 +6%	15 179 -6%	17 706 +17%	14 680 -17%	12 233 -17%	13 734 +12%	17 650 +29%	18 032 +2%	18 234 +1%	(3 259) N/A	1 217 N/A	2 528 +108%	3 472 +37%	(175) N/A	(9 235) -5 177%	(2 577) +72%	1 801 N/A	(1 008) N/A	(2 342) -132%	(15 188) -549%	(7 700) +49%	654 N/A	5 204 +696%	15 514 +198%	17 413 +12%	7 603 -56%	20 523 +170%	19 769 -4%	(214) N/A	10 599 N/A	(3 028) N/A	(10 909) -260%	3 858 N/A	(14 835) N/A	(16 996) -15%	2 491 N/A	(9 987) N/A	11 703 N/A	40 709 +248%	41 208 +1%	48 361 +17%	35 851 -26%	(7 648) N/A	(44 379) -480%	(61 427) -38%	(58 489) +5%	(49 312) +16%	(15 205) +69%	(2 014) +87%	15 813 N/A	31 068 +96%	25 716 -17%	28 108 +9%	32 922 +17%	38 974 +18%	(2 154) N/A	(2 289) -6%	351 N/A	(28 033) N/A	8 385 N/A	13 098 +56%	(22 165) N/A	12 555 N/A	22 954 +83%	22 124 -4%	(7 947) N/A	30 709 N/A	(5 042) N/A	96 661 N/A	83 647 -13%	(11 870) N/A	53 432 N/A	17 674 -67%	87 234 +394%	115 659 +33%	32 594 -72%	6 270 -81%	(43 294) N/A	25 980 N/A	57 846 +123%	41 144 -29%	62 165 +51%	30 945 -50%	39 432 +27%	43 656 +11%	47 923 +10%	27 955 -42%	(19 280) N/A
Investing Cash Flow
Capital Expenditures	0	(42)	0	0	0	(48)	0	(151)	(243)	(176)	0	(121)	(55)	(13)	(39)	(314)	(572)	(649)	(487)	(847)	(796)	(802)	(1 056)	(505)	(400)	(398)	(449)	(889)	(409)	(468)	(458)	(272)	(592)	0	(584)	(325)	(581)	(693)	(478)	(739)	(825)	(1 001)	(1 154)	(1 047)	(980)	(905)	(589)	(947)	(1 366)	(1 441)	(1 955)	(5 461)	(2 479)	(2 654)	(2 794)	609	(2 434)	(3 054)	(2 869)	(2 676)	(1 965)	(1 674)	(1 858)	(2 106)	(3 027)	(3 309)	(3 400)	(3 331)	(2 299)	(2 723)	(1 181)	(633)	(1 231)	26	(1 081)	(1 166)	(1 121)	(985)	(919)	(776)	(547)	(498)	(325)	(498)	(420)	(436)	(506)	(357)	(445)	(467)	(416)	(420)
Other Items	(1 140)	(842)	(5 252)	(13 498)	(4 937)	(5 643)	(6 511)	(8 968)	(12 669)	(8 424)	(16 266)	(8 421)	(3 126)	3 618	(15 084)	(18 488)	5 596	(36)	7 904	8 825	(6 917)	(9 715)	(20 192)	(17 185)	(5 903)	(1 540)	11 832	17 028	10 391	8 451	12 248	(2 822)	(21 107)	(24 790)	(32 518)	(20 694)	20 038	8 312	23 673	23 574	14 014	79 852	93 098	86 567	71 811	17 391	(6 737)	(508)	851	781	(11 105)	(16 874)	(8 362)	(3 205)	9 377	19 300	5 917	(511)	7 391	6 669	(1 095)	(13 310)	(29 286)	(41 191)	(48 257)	(48 957)	(61 048)	(95 786)	(63 847)	24 256	46 169	55 832	(4 966)	(35 891)	(43 448)	(18 158)	(4 756)	(45 825)	(84 260)	(22 086)	(9 905)	(25 483)	48 431	(28 114)	(6 567)	26 247	(9 596)	11 484	(27 325)	(54 402)	(60 273)	(39 222)
Cash from Investing Activities	(1 339) N/A	(885) +34%	(5 252) -493%	(13 498) -157%	(4 937) +63%	(5 681) -15%	(6 511) -15%	(9 071) -39%	(12 864) -42%	(8 552) +34%	(16 266) -90%	(8 366) +49%	(3 005) +64%	3 605 N/A	(15 123) N/A	(18 802) -24%	5 023 N/A	(687) N/A	7 416 N/A	7 977 +8%	(7 714) N/A	(10 517) -36%	(21 250) -102%	(17 691) +17%	(6 303) +64%	(1 937) +69%	11 384 N/A	16 139 +42%	9 982 -38%	7 982 -20%	11 790 +48%	(3 094) N/A	(21 699) -601%	(25 181) -16%	(33 102) -31%	(21 019) +37%	19 457 N/A	7 619 -61%	23 195 +204%	22 835 -2%	13 189 -42%	78 852 +498%	91 945 +17%	85 520 -7%	70 831 -17%	16 485 -77%	(7 327) N/A	(1 455) +80%	(516) +65%	(661) -28%	(13 062) -1 876%	(22 335) -71%	(10 841) +51%	(5 859) +46%	6 584 N/A	19 908 +202%	3 482 -83%	(3 566) N/A	4 521 N/A	3 993 -12%	(3 060) N/A	(14 984) -390%	(31 144) -108%	(43 299) -39%	(51 284) -18%	(52 266) -2%	(64 448) -23%	(99 115) -54%	(66 146) +33%	21 532 N/A	44 989 +109%	55 197 +23%	(6 197) N/A	(35 865) -479%	(44 531) -24%	(19 323) +57%	(5 877) +70%	(46 809) -696%	(85 179) -82%	(22 862) +73%	(10 452) +54%	(25 981) -149%	48 105 N/A	(28 612) N/A	(6 987) +76%	25 810 N/A	(10 101) N/A	11 127 N/A	(27 771) N/A	(54 869) -98%	(60 689) -11%	(39 642) +35%
Financing Cash Flow
Net Issuance of Common Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	5 052	5 052	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	11 568	0	0	11 568	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	11 850	11 850	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Issuance of Debt	(11 050)	(8 804)	0	2 120	1 303	1 613	0	7 611	9 083	3 964	3 000	(4 269)	(4 918)	(302)	(644)	4 160	(9 046)	3 977	1 948	(3 049)	(7 214)	(1 275)	(1 133)	6 734	(776 439)	(1 427)	1 694	(4 018)	(50 164)	70	(5 314)	(5 333)	(31 738)	301	9 086	641	(42 789)	(882)	(5 490)	(2 056)	8 238	938	(7 687)	2 801	(7 460)	(8 213)	(139)	(7 559)	5 825	12 911	18 154	19 058	5 750	8 043	3 186	33	4 408	7 269	4 787	(4 739)	4 347	(10 239)	549	22 947	40 266	77 043	93 824	114 761	40 041	1 707	(32 574)	(57 943)	31 592	(3 983)	(3 602)	(10 152)	(51 528)	(37 658)	(34 121)	(32 857)	(40 609)	(12 816)	(20 217)	(22 555)	(12 937)	(15 669)	3 178	(39 646)	(26 829)	(19 794)	(33 104)	13 729
Cash Paid for Dividends	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(1 249)	(1 249)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other	0	0	(9 192)	0	0	0	548	0	0	0	985	0	0	0	0	0	12 356	0	0	0	565	0	6 008	6 008	784 771	0	(3 000)	(3 000)	42 337	(3 000)	0	0	35 939	0	6 448	6 449	40 075	0	0	(3 090)	(2)	(87)	(87)	0	(88)	2 163	1 659	11 261	(224)	0	(1 971)	0	(517)	0	0	(559)	(336)	(3 436)	329	371	(3)	3 097	0	(668)	0	3 147	(857)	(857)	0	0	(7 000)	(7 000)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(8 220)	(8 220)	0	(12 820)	(4 600)
Cash from Financing Activities	(11 050) N/A	(8 804) +20%	(9 192) -4%	2 120 N/A	1 303 -39%	1 613 +24%	548 -66%	7 611 +1 289%	9 083 +19%	3 964 -56%	3 985 +1%	(4 269) N/A	(4 918) -15%	(302) +94%	(644) -113%	4 160 N/A	3 310 -20%	3 977 +20%	1 948 -51%	2 003 +3%	(1 597) N/A	3 785 N/A	9 927 +162%	12 742 +28%	8 331 -35%	(1 427) N/A	(7 306) -412%	(13 018) -78%	(7 827) +40%	70 N/A	(2 314) N/A	(2 333) -1%	4 201 N/A	301 -93%	15 534 +5 061%	7 090 -54%	(2 713) N/A	(997) +63%	(12 053) -1 109%	(5 146) +57%	8 235 N/A	851 -90%	(7 775) N/A	(676) +91%	(7 547) -1 016%	(5 965) +21%	1 605 N/A	3 702 +131%	17 168 +364%	22 003 +28%	27 751 +26%	19 053 -31%	5 233 -73%	7 526 +44%	2 669 -65%	(1 776) N/A	2 824 N/A	2 585 -8%	3 868 +50%	(4 366) N/A	4 343 N/A	(7 143) N/A	(120) +98%	22 278 N/A	40 266 +81%	80 190 +99%	92 967 +16%	125 754 +35%	51 892 -59%	10 411 -80%	(26 866) N/A	(64 085) -139%	31 592 N/A	(3 983) N/A	3 398 N/A	(3 152) N/A	(51 528) -1 535%	(37 658) +27%	(34 121) +9%	(32 857) +4%	(40 609) -24%	(12 816) +68%	(20 217) -58%	(22 555) -12%	(12 937) +43%	(15 669) -21%	3 178 N/A	(47 866) N/A	(35 049) +27%	(28 014) +20%	(45 924) -64%	9 129 N/A
Change in Cash
Net Change in Cash	1 958 N/A	2 517 +29%	(1 734) N/A	3 905 N/A	12 543 +221%	11 111 -11%	11 743 +6%	13 220 +13%	8 452 -36%	9 146 +8%	5 369 -41%	5 397 +1%	10 311 +91%	44 -100%	(14 550) N/A	(12 114) +17%	11 805 N/A	3 115 -74%	129 -96%	7 403 +5 639%	(7 510) N/A	(7 740) -3%	(13 665) -77%	(20 137) -47%	(5 672) +72%	(2 710) +52%	9 282 N/A	18 635 +101%	19 568 +5%	15 655 -20%	29 999 +92%	14 342 -52%	(17 712) N/A	(14 281) +19%	(20 596) -44%	(24 838) -21%	20 602 N/A	(8 213) N/A	(5 854) +29%	20 180 N/A	11 437 -43%	91 406 +699%	124 879 +37%	126 052 +1%	111 645 -11%	46 371 -58%	(13 370) N/A	(42 132) -215%	(44 775) -6%	(37 147) +17%	(34 623) +7%	(18 487) +47%	(7 622) +59%	17 480 N/A	40 321 +131%	43 848 +9%	34 414 -22%	31 941 -7%	47 363 +48%	(2 527) N/A	(1 006) +60%	(21 776) -2 065%	(59 297) -172%	(12 636) +79%	2 080 N/A	5 759 +177%	41 074 +613%	49 593 +21%	7 870 -84%	23 996 +205%	48 832 +104%	(13 930) N/A	122 056 N/A	43 799 -64%	(53 003) N/A	30 957 N/A	(39 731) N/A	2 767 N/A	(3 641) N/A	(23 125) -535%	(44 791) -94%	(82 092) -83%	53 868 N/A	6 679 -88%	21 220 +218%	72 306 +241%	24 022 -67%	2 692 -89%	(19 164) N/A	(34 959) -82%	(78 658) -125%	(49 793) +37%

Income Statement Balance Sheet Cash Flow Statement

Philippine National Bank
XPHS:PNB

Cash Flow Statement

Cash Flow Statement
Philippine National Bank

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Philippine National Bank XPHS:PNB

Cash Flow Statement

Cash Flow Statement Philippine National Bank

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Philippine National Bank
XPHS:PNB

Cash Flow Statement
Philippine National Bank