FRA:74O Cash Flow Statement

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

Millions CAD. 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	49.59	47.85	51.49	46.33	41.79	39.19
Provision for Credit Losses	5.5	13.57	11.4	0.86	1.29	3.76
Stock-Based Compensation	0.28	0.4	0.45	0.38	0.31	0.32
Change in Accounts Payable	-3.96	3.12	-2.06	3.28	0.37	-1.64
Change in Unearned Revenue	0.55	0.46	0.37	0.8	0.57	0.58
Change in Other Net Operating Assets	-35.38	-24.85	-17.85	0.02	-0.04	0.02
Other Operating Activities	39.43	27.58	-8.86	4.55	23.59	14.19
Operating Cash Flow	56.01	68.13	34.87	58.07	67.89	56.41
Operating Cash Flow Growth	-	95.37%	-39.95%	-14.46%	20.35%	17.47%
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	-87.81	-33.09	-16.55
Other Investing Activities	-	-	-	-	0.07	-
Investing Cash Flow	-	-	13.28	-87.81	-33.02	-16.55
Long-Term Debt Issued	-	447.51	274.07	610.11	817.92	558.69
Total Debt Issued	747.29	447.51	274.07	610.11	817.92	558.69
Long-Term Debt Repaid	-	-497.3	-279.75	-524.3	-805.24	-547.16
Total Debt Repaid	-787.13	-497.3	-279.75	-524.3	-805.24	-547.16
Net Debt Issued (Repaid)	-39.84	-49.79	-5.68	85.81	12.68	11.53
Issuance of Common Stock	29.04	29	0.21	0.19	0.19	0.19
Repurchase of Common Stock	-0.04	-	-0.38	-	-	-
Common Dividends Paid	-30.28	-38.98	-31.99	-28.72	-32.07	-38.02
Other Financing Activities	-1.48	-1.42	-	-20.2	-13.17	-12.7
Financing Cash Flow	-56.01	-68.13	-48.15	29.74	-34.86	-39.85
Cash Interest Paid	20.24	22.84	24.54	18.34	11.51	12.7

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