Askari Bank LimitedPSX: AKBL

AKBL | Askari Bank Limited FINANCIAL RESULTS FOR THE YEAR ENDED DECEMBER 31, 2025

Feb 9, 2026 at 10:20 AM UTC · Issued by Askari Bank Limited

askaribank

SECTT/AKBL/Board- 196/2026

February 9. 2026

The General Manager

Pakistan Stock Exchange Limited Stock Exchange Building

Stock Exchange Road Karachi

Dear Sir

Subject: FinanciaI Results for the Year Ended December 31, 2025

We have to inform you that the Board of Directors of Aslari Bank Limited (A KBL) in their meeting held on Monday, February 09. 2026 at 10:30 am at Rawalpindi has recommended the following:

Cash Dividend
A final Cash Dividend for the year ended December 3I , 2025 at Rs. 1.75/- per share, Le.. 17.5%. This is in addition to the Interim Cash Dividends already paid at Rs.3.25/-per share i.e., 32.50%.
Bonus Shares - NIL
Rieht Shares - NIL
Anv other entitlement/Corporate action - NIL
Anv other Price-Sensitive information - NIL The following documents are attached as annexiires to this letter:
1. financial Results of tire Bank (Standalone & Consolidated);
2. Statement of Financial Position (Standalone & Consolidated);
3. Statement of Changes in Equity (Standalone & Consol idated); and
4. Statement of Cash Flows (Standalone & Consol idated).

The J4"' Annual General Meeting (AGM) of' the shareholders ot' Askari Bank Limited ("the Bank") will be held on Tuesday, March 17. 2026 at 10:00 am at Shamadan Hall, Serena Hotel, Islamabad.

The Share Transfer Books of the Bank will remaln closed from March 10, 2026 to March 17, 2026 (both days inclusive). Transters received at the Bank's Share Registrar, CDC Share Registrar Services Limited (CDCSRSL), Mezzanine Floor, South Tower, LSE Plaza, I 9-Khayaban-e-Aiwan-e-lqbal, Lahore at the close of business on March 9, 2026 wi11 be treated in time for the purpose of above entitlement.

The above entitlement will be paid to the shareholders whose names will appear in the ftegister of Members at the close of business on March 9. 2026.

annual re ort of the Bank through PUCARS to Pakistan Stock Exchange Limlted.

Yours tr y

In line with PSX Notice No. PSX/N- 1031 dated October 10, 2023, we shall be transminins

Askari Bank Lim ed C any Secretary Office,

Plot # 18, 4'^ Floor, T Bu ding, F-8 Markaz, Islamabad - Pakistan PABX: * 92 51 2857424=39, FAX: + 92 51 28574448, SWIFT: ASCMPKKA

ASKARI BANK LIMITED UNCONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT DECEMBER 31, 2025

SECTT/AKBL/Board-196/2026

2025			2024
Note (Rupees in '000)
ASSETS
Cash and balances with treasury banks	6	108,637,978	133,505,285
Balances with other banks	7	13,774,428	10,776,034
Lendings to financial institutions	8	14,128,026	4,567,619
Investments	9	2,028,768,983	1,509,745,761
Advances	10	586,621,904	695,758,143
Property and equipment	11	26,225,450	21,796,057
Right-of-use assets	12	14,931,093	12,161,484
Intangible assets	13	2,204,973	1,839,788
Assets held for sale	14	-	1,750,000
Deferred tax assets
Other assets	15	99,708,733	106,474,034
Total Assets		2,895,001,568	2,498,374,205
LIABILITIES
Bills payable	16	23,259,37d	66,704,448
Borrowings	17	994,566,586	869,212,410
Deposits and other accounts	18	1,631,331,749	1,363,735,115
Lease liabilittes	19	17,433,672	14,136,598
Subordinated debts	20	6,000,000	12,000,000
Deferred tax liabilities	21	14,303,187	734,350
Other liabilities	22	56,360,895	50,222,725
Total Liabilities		2,743,255,459	2,376,745,646
NET ASSETS		151,746,109	121,628,559
REPRESENTED BY
Share capital Reserves Surplus on revaluation of assets - net of tax	23 24	14,492,992 88,855,771 31,153,056	14,492,992 74,574,030 16,235,737
Unappropriated profit		17,244,290	16,325,800
		151,746,109	121,628,559

CONTINGENCIES AND COMMITMENTS 25

The annexed notes 1 to 50 and Annexures I and II form an integral part of these unconsolidated financial statements.

Chief Financial Officer President & CEO Director Director Chairman

ASKARI BANK LIMITED

SECTT/AKBL/Board-196/2026

UNCONSOLIDATED STATEMENT OF PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED DECEMBER 31, 2025

Note

2025 2024

(Rupees in '000)

7,654,240	6,965,656
964,071	853,800
4,273,488	4,078,427
4,320,826	2,851,511
598,721	691,403

Mark-up / return / interest earned Mark-up I return / interest expensed

27 300,751,979 401,028,447

28 213,377,494 337,748,716

Net mark-up / interest income NON MARK-UP / INTEREST INCOME		87,374,485	63,279,731
Fee and commission income	29
Dividend income
Foreign exchange income
Income / (loss) from derivatives
Gain on securities	30
Net gains / (losses) on derecognition of financial assets
measured at amortised cost
Other income	31
Total non-markup / interest income		17,811,346	15,440,797
Total income		105,185,831	78,720,528
NON MARK-UP / INTEREST EXPENSE
Operating expenses	32
Workers' welfare fund
Other charges	33
Total non-markup / interest expenses		50,083,161	36,020,534
Profit before credit loss allowance / provisions		55,102,670	42,699,994
Credit loss allowance / (reversal) and write offs - net		1,817,537	(1,807,385)
Other income / expense
PROFIT BEFORE TAXATION		53,285,133	44,507,379
Taxation	35	(30,481,814)	(23,484,708)
PROFIT AFTER TAXATION		2 3 19	21,022,671

49,449,635	35,408,493
610,000	540,000
23,526	72,041

(Rupees)

Basic and diluted earnings per share 36 15.73 14.51

The annexed notes 1 to 50 and Annexures I and II form an integral part of these unconsolidated financial statements.

Chief Financial Officer

President & CEO Director Director Chairman

ASKARI BANK LIMITEO

Ca Itar Revenue 8ucpluaf{Oefclqonravelue0on of

Share Exehange anorak Pcopenty and Unappropriated

capital translation nves1mants Non banking profit

reserve aaaaB

Toui

Rupees In '000)

UNCONSOLIDATED STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDEO DECEMBER 31, 2025

SECTT/AKBUBoard-196/202s

Balance as at January 1, 2024 Effecl of reclassification remeasurement on adoption	14,492,992	1,91 Z.226	17 748 529	38,078,900	(6,367,323)	10.825.685	20.431.8 12	97 122 e21
of IFRS-9 (net of lax) Effect of adoption of IFR S g . credit Ipss					1.75 .597		223.613	1 975 210
allowance (nel of fax)							(5.873,135)	(5,B73,135)
Balance as at January 1, 2024 - resumed	4 492,9 2	1.912,226	I 7,7•tB.529	38.078.000	(4,615.726)	10.82S.685	14.782.290	93, 224.896
Profil after taxation Other comprehensive income - net of tax							21,022, 671	21.022,671

9.126 36o

(b6Z460)

1.641 903

t662.460)

806.337

1,641,903

]A2,282

EWect of Iransfat›on of nel investment in foreign branch

Movement in surplus on revaluation of debt

investments through >VOCI nel of tax

Ga+n on sale of debt semrities carried af FVOCI reclasslied to profit and loss net of tax

Remeasurement gain on defined benefit plan Movement in surplus on revatualion of investment in

equily securities It£ough FVOC I ne of tax

Movement in surplus on i evaluation of non-oanking as eels

Tolal other comprehensive income Transfer (a		(50M82)			10.105 BO3		B06 33T	]1,O04,240
Slalulory reserve			Z. 102,267				‹2,102.267)
Ceneral reserve				14, 782, 290			( 14,782,290)
			2.102,267	14 782.290			( 16,884.557)
Gain on disposal of equ ty nslrumenls measured
at FVOCi - net of tax					(222,307)		222,307
Transaction with owners, recorded directly 'n e9uity "inaldividend 2023 Rs 2.5 per share							‹3,g23,248)	(3,623.248›
Balance as at December 31, 2024	13,492.992	1.862,044	19,850,796	52,B61.190	5,Z67,770	10,967,967	18,325,800	121,628,559
Eftect of remeasurement on adoption
of iF RS-9 (nel of tax)					1,323,3Bd			1,323,384
Etfecf of adoption of I fiRS-9 credil loss
allowance met of tax)							(434,970)	(434,970)
Balance as at January 1, 2025 - restated	t4,492,002	1,B62,044	19,850,796	52,861,190	6,591,154	10,967,967	1S,890,830	122,518,973
Profit after taxation							22,803,3t9	22,803,319
Other comprehensive income- net of tax

23,507				23,507
	12,399,776			12.399,776
				(1,548,587)
			21,868	21.868
	2,784,144			2,764,144
		1,B23,229		1,B23,229

Effect of translation o+ nel investment in forei9^ branch Movement in surplus on revaluation of oebl

investments lhroug h FvOCI - net of lax

Gain on sale of dabl secunt+es canned at ^V0CI reclassified to profit and loss - net of tax

Remeasuremenl gain on defined benefil plan Movement in surplus on revaluation of investmant in

equ ty securities through FVOC1 - net ol lax Movement in surplus on revaluation of property and equipment

Tolal other comorehensiva income Transfer lo	&3,5D7			I 3,6t 5,333	1,823, 229	21,868	15,483,937
Slalutory reserve		2,280,332				(2, 280,332)
General reserve			11,977,002			(11,977,902)
		2,280,332	11,077,902			(14,25B,234)
Transfer from surplus on revaluation ol assets to unaperoprialed profit on disposal					(9B0,987)	980,987
Gain on disposal of equily instruments measured
at FVOC-I new of tax	{863,840)				865,640
Transaction with owners, recorded directly in aquity Final dividend 2024 Rs 3 per share					(4,347,606)		(4,347,89b)
lntenm Dividend 2025 Rs 2 per share					(2,89B,598)		(2,898,598)
lntenm Dividend 2o25: Rs 1 20 per share					(1,811,624)		(1,811,623)

Balance as at December 31. 1025 11,81 0,209 17,244,290 151,740,t09

The annexed noles 1 to 50 and Annexures I and II rorm an integral part of these unconsolidaled financial sta1emenls

Pres›denl & CEO Director

Director

C nairman

ASKARI BANK LIMITED

UNCONSOLIDATED CASH FLOW STATEMENT FOR THE YEAR ENDED DECEMBER 31, 2025

CASH FLOW FROM OPERATING ACTIVITIES

Note

SECTT/AKBL/Board-196/2026

2025 2024

(Rupees in '000)

Profit before taxation Less. dividend income

Adjustments:

Net mark-up / interest income Depreciation

Depreciation on right-of-use assets Amortization

Interest expense on lease liability against right-of-use assets Gain on termination of lease contracts under IFRS - 16 Charge for defined benefit plans

Credit loss allowance & write offs - net

Unrealized (loss) / gain on revaluation of securities - FVTPL Gain on sale of property and equipment

decrease / (increase) in operating assets Lendings to financial institutions

Net investment in securities classified as FVTPL Advances

Other assets

Increase / (decrease) in operating liabilities

11.2

32 1

53,285,133

(964,071) 52,321,062

(87,374,485)

1,910,339

2,410,862

230,883

1,984,326

(59,835)

662,225

1,938,481

247,299

(39,418)

j78,089,323) (25,768,261)

(9,530,086)

1,725,509

106,654,170

1,206,219

100,055,812

44,507,379

(8538001 43,653,579

(63,279,731)

1,405,401

2,257,101

216,716

1,544,722

(31,978)

570,541

(1,686,906)

(1,051.535)

(43,029)

(60,098,698)

(16,445,119)

(4,538.497)

(653,345)

(72,136,166)

(15,207,481}

(92.535,489)

Bills payable		(43,445,078)	54,310,112
Borrowings from financial institutions		124,153,241	225,84g,745
Deposits		267,596,634	70,589,540
Other liabilities		7,223,946	2,820,879
		355,528,743	353,570,276
		429,816,294	244,589,668
Payment made to defined benefit plan		(98,439)	(183,597)
Mark-up / interest received		307,277,839	409,978,250
Mark-up / interest paid		(215,000,337)	(347,386,449)
Income tax paid		(34,190,463)	[25,495,371)
Net cash flow generated from operating activities		487,804,894	281,502,501
CASH FLOW FROM INVESTING ACTIVITIES
Net investment in securities classified as FVOCI		(491,856,992)	(320,939,863)
Net investment ‹n securities measured at amortized cost		2,543,420	21,183,847
Investment in subsidiary Dividend received Investments in property and equipment Investments in intangible assets Proceeds from disposal of asset held for sale		962,521 (4,560,873) (596,068) 1,308,750	(1,000,000) 852,135 (3,998,463) (311,410)
Proceeds from sale of property and equipment		83,788	61,691
Effect of translation of net investment in foreign branch		23,507	(50,182)
Net cash flow used in investing activities		{492,091,947)	(304.202,245)
CASH FLOW FROM FINANCING ACTIVITIES
Payment of subordinated debts		(6,000,000)
Payments against lease liabilities under IFRS-16	19	(3,807,888)	(3,309,401)
Dividends paid Net cash flow used in financing activities		(8,959,419} (18,767,307)	(3,586,808) (6,896,209)
Decrease in cash ancl cash equivalents		(23,054,360)	(29.595,953)
Cash and cash equivalents at beginning of the year Credit loss allowance on cash and cash equivalents - net		144,280,472 (15,488)	173,B76 425
Cash and cash equivalents at end of the year	37	121,210,624	144,280,472

The annexed notes 1 to 50 and Ann xure I and II form an integral part of these unconsolidated financial statements

Chief Financial Officer

resident & CEO

Director

Chairman

ASKARI BANK LIMITED

CONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT DECEMBER 31, 2025

Note

SECTT/AKBL/Board-196/2026

2025 2024

ASSETS Cash and balances with treasury banks	6	108,988,768	133,535,448
Balances with other banks	7	14,988,447	12,958,886
Lendings to financial institutions	8	14,128,026	4,567,619
Investments	9	2,028,240,826	1,509,368,801
Advances	10	586,1Z1,904	695,692,118
Property and equipment	11	26,397,266	21,834,904
Right-of-use assets	12	15,128,302	12,196,186
Intangible assets	13	2,215,160	1,849,778
Assets held for sale	14	-	1,750,000
Deferred tax assets Other assets	15	101,281,135	107,627,956
Total Assets		2,897,489,g34	2,501,381,696
LIABILITIES
Bills payable	16
Borrowings	17
Deposits and other accounts	18
Lease liabilities	19
Subordinated debts	20
Deferred tax liabilities	21
Other liabilities	22
Total Liabilities		2,744,782,067	2,378,971,408
NET ASSETS		152,707.767	122,410,288
REPRESENTED BY
Share capital	23	14,492,992	14,492,992
Reserves		88,971,868	74,690,127
Surplus on revaluation of assets - net of tax	24	31,153,056	16,235,737
Unappropriated profit		17,498,418	16,522,092

(Rupees in '000)

23,259,370	66,704,448
994,sg6,s86	869,212 410
1,630,039,984	1,362,850,503
17,642,967	14,174,653
6,000,000	12,000,000
14,280,694	737,821
58,992,466	53,291,573

Non-controlling interest

CONTINGENCIES AND COMMlTI¥IENTS

591,433 469,340

152,707,767 122,410,288

The annexed notes 1 to 50 and Annexures I and II form an integral part of these consolidated financial statements.

Chief Financial Officer President & CEO Director Director Chairman

ASKARJ BANK LIMITED

8,481,761	7,553,247
926,523	828,952
4,299,632	4,079,139
4,351,691	2,875,039
598,721	692,012

CONSOLIDATED STATEMENT OF PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED DECEMBER 31, 2025

SECTT/AKBL/Board-196/2026

		2025	2024
	Note	(Rupees	in '000)
Mark-up / return / interest earned	27	301,016,908	401,257,754
Mark-up / return I interest expensed	28	213,312,584	337,603,215
Net mark-up / interest income		87,704,324	63,654,539
NON MARK-UP / INTEREST INCOME
Fee and commission income	29
Dividend income
Foreign exchange income
Income / (loss) from derivatives
Gain on securities	30
Net gains / (losses) on derecognition of financial assets
measured at amortised cost Other income 31
Total non-markup / interest income 18,658,328 16,028,389
Total income		106,362,652	79,682,928
NON MARK-UP / INTEREST EXPENSE
Operating expenses	32
Workers' welfare fund
Other charges	33
Total non-markup / interest expenses		50,891,407	36,612,833
Profit before credit Toss allowance / provisions		55,471,245	43,070,095
Credit loss allowance / (reversal) and write offs - net	34	1,818,787	(1,799,385)
Other income / expense
PROFIT BEFORE TAXATION		53,652,458	44,869,480
Taxation	35	(30,627,546)	(23,612,925)

50,248,087	35,990,556
619,794	550,236
23,526	72,041

PROFIT AFTER TAXATION

Profit attributable to

Non-controlling interest Equity holders of the Bank

Basic and diluted earnings per share

23,024,912 21,256,555

164,100 118.861

22,860,812 21,137,694

23,024,912 21,256555

(Rupees)

36 15.77 14.58

The annexed notes 1 to 50 and Annexures I and II form an integral part of these consolidated financial statements

Chief Financial Offi President & CEO Director Director Chairman

ASKARi aAnr uMTeD

CONSOLIDATED STATEMENT OF CHAHGE9 JN EOUJW FOR THE YEAR ENDED DECEtgBER 31. 2Oy6

8ECTT/AKBU8oard-1S6U0Z6

property and

pront

Controlling

Rupeea In 000

I surei•• r laeiicit› on ravaiuaiiona

f+evanua

Statutory reserve

Balance as at January 1, zoz4

Eff0ct of reclassificaiion / remeasuremenl on adoption of IFRS-9 (ne of taxi

Effect of adoption of UPS 9 credit loss allowance (new of axl

14,492,992 1,912,226 I 2B,355 17,7^B,529 3B, 066.6^2 (6.367 230) 10, 825,685 20,51 T,764

223,613

(5.873 135)

376,698 97.G95,66 1

(5,87 3, 135}

Balance ae at January 1, zoza - restated

Profil atter taxation

Olher comprehensive Income - nat of tax

El/ec‹ of IrBnslalion or nei investment in foreign branch Movamen in ¥urolus on revaluation of deal

‹nveslments through FVOC I - net of tax

Ga n on sale of dabt secur›ies earned at Fvoci

Remeasuremenl gain on defined beneni plan Movamant In surplus On Rev alsatian of ›nves‹menj in

eguily secu«tes through FVOOl neloftdx

14.492,992 1,912.226 128,355 17.748.529 38.066.64y (4.615 633 10.825.685

14.862.242

(50, 1BZ
					s 126.267
	(662.d60				1662.460d
	(662.d60		807,65d	1005	809,659
	1.6^1,903				1641,903
	1.6^1,903	142282			142 28Z

21,137.694

376.698 93 +97,736

118, B61 21,256,555

Stalu‹ory reserve

f50, 82)

TO.1O5,71O

142.282

807,654

2,005 11,00T.4b9

2,10226

(2.102,267)

i4,782,29O

z,l12zo

l47B2.Z90

C16.884,Sd7)

Gain an d spasal of equity instruments measurad ai FVOCi - net of ‹air

Trangactlon wlth ownere, recorded dIreCtIy In equity Final dividend 2023 Rs 2.5 per share

ealance as at December a1, zoz* Effeci of rameasuremeni on adoplian

ol iFR s-s (nei of ta•

Effeci of adoorion of IFRS-9 - credil loss allowance (nat of ta }

14,492,992 1,B6Z,O44 128,365 19,860.796 62,848,917

‹222.307l

6?67770

222,30+

1.3,623.248j

10,967,967 16,822,O92

434,870I

(28.224) 3,65 1.472)

469,340 122,4t0,288

1,323,384

e•lance aa at Je nuary 1, zoos - restated Prorii afler laxalion

Other comprehensive Income - nan of aH

Effeci of IranGlation of nel investmeni in lareign branch Movement in 6urqlus on revaluation of debt

investmen!s through "VOCI - net al ax

GaI ] 0.0 $010.0( dBb1.8gCUFI10.8 Caf00d 0.1*VQ/1

reclassified to profi and loss ne of mx Remoasuramanl gain on defined benufii plan Movement In suroius On revaluation of investment in

14,492,BB2 1,B62,O4¥ 1.26,366 1B,6B0,786 62,B48,932 B,691,1B4 ¥U,567,98T

16,Dg7, 1 Z2

22,86O,012

4B9,340 123,298,70Z

164,100 23,024,91Z

23,GO7

23607

1t,399,776

1Z,3ss,776

22,211

zg4D

12,615,33 3

22,211

329

1,823,229

16,481,609

Movement In surplus on revaluation of propany and Total other compr ehensive income

Z,280,J32 •

11,977,9D2

iz,zao,33zl

{11.8t7,e02}

z,pau,uuz 10,977,902

Transfer to

General reserve

Transfer from surplus on ravaJrialion of asrefs to unaDpropriatad profit on disposal

Gain on disposal ol aqo4y instrumanis measured ai FVOCI - nel of lax

Trgr+eactlon with owners, recorded dl@0tg In egulty

Final dividend 202a: Rs 3 QDf share

Interim Diyidand 2025 Rs 1.25 per shara - "

Final dividend of subsidiary 2024 Rs i s par share - - - -

(1,811,424)

(+2,J36) (^2.888)

Balance as at December II, 2025

14.492,982 2 AZ 1 Z1.1.28 64 B26,83•t 19,342,847 11.810.209 17,49B 416 s91,433 162.707.767

yqg gqggygg gptgg tg $Q aqQ Annexures I and II form an integral oart of lhese consolJdalad financ al slaemonts

Cniel Financial Oxicer President & CEO

ASKARI BANK LIMITED

CONSOLIDATED CASH FLOW STATEMENT FOR THE YEAR ENDED DECEMBER 31, 2025

CASH FLOW FROM OPERATING ACTIVITIES

Note

SECTT/AKBL/Board-196/2026

2025 2024

(Rupees in '000)

Less: dividend income		{926,523)	(828,952)
		52,725,935	44,040,528
Adjustments.
Net mark-up / interest income		(87,704,324)	(63,654,539)
Depreciation	11 2	1,950,709	1,413 340
Oepreciation on right-of-use assets	12	2,428,263	2,258,248
Amortization	32	232,290	216,856
Interest expense on lease liab Iity against right-of-use assets	19	2,d04,672	1,544,722
Gain on termination of lease contracts under IFRS - 16	31	(59,835)	(31,978)
Charge for defined benefit plans	32.1	678,366	573,453
Credit loss allowance & write offs - net		1,939,731	(1,678,906)
Unrealized (loss) / gain on revaluation of securities - FVTPL	30	216,434	(1,075,063)
Gain on sale of property and equipment	31	(39,418)	(43,029)
		(78,353,112)	(60,476,896)
		(25,627,177)	( 16,436,368)

Profit before taxation

53,652,4S8

44,869,480

Decrease / (increase) in operating assets Lendings to financial institutions

Net investment in securities classified as FVTPL Advances

Other assets

Bills payable	(43,445,07B)		54,310,112
Borrowings from financial nstitutions	124,153,241		225,849,745
Deposits	267,189,481		70,055,797
Other liabilities	6,823,B62		4,345.707
	354,721,506		354,561,361
	428,815,729	245,189,944
Payment made to defined benefit plan	(103,793)	(167,320)
Mark-up / interest received	307,541,465	410,186,778
Mark-up / interest paid	(214,935,427)	(347,240,948)

Increase / (decrease) in operating liabilities

(9,530,086)

1,391,940

107,088,145

771,401

99,721,400

(4538,497)

(702,378)

(72,156,819)

(15,537 355)

(92,935,049)

Income tax paid

(491,856,992) 3,02B,186

924,973

(4,734,212)

(597,672}

1,308,750

Het cash flow generated from operating activities CASH FLOW FROM INVESTING ACTIVITIES

Net investment in securities classified as FVOCI

Net investment in securities measured at amortised cost Oividend received

Investments in property and equipment

Investments in intangible assets

Proceeds from sale of property and equipment		83,788	61,691
Effect of translat on of net investment in foreign branch		23,507	(50,182)
Net cash flow used in investing activities		(491,819,672)	(303,857,412)
CASH FLOW FROM FINANCING ACTIVITIES
Payment of subordinated debts Payments against lease liabilities under IFRS-16 Dividends paid Net cash flow used in financing activities	19	(6,000,000) (3,846,977) (9,001,755) (18,848,732)	(3.309,401) (3,586,808) (6,B96,209)
Decrease in cash and cash equivalents Cash and cash equivalents at beginning of the year Credit loss allowance on cash and cash equivalents - net Cash and cash equivalents at end of the year	37	(23,702,566) 146,493,487 {15,488) 122,775,433	(28,355,157) 174,84B 644 146 493 487

Proceeds from disposal of asset held for sale

(34,352,136j 486,965,838

(25,569 990) 2B2,398,464

(320,900,197)

20,545,362

827,287

(4 024,711)

(316,662)

The annexed notes to 50 and Annexur s I and II form an integral part of these consolidated financial statements

Chief F nanciaI 4" & CEO Director Director Chairman

Company analysis

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