FRA:CAI Cash Flow Statement

Financials in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Net Income	8,429	7,115	5,001	6,220	6,429
Depreciation & Amortization	563	1,170	1,143	1,047	1,017
Other Amortization	615	-	-	-	-
Gain (Loss) on Sale of Assets	-2	-1	-3	-6	-
Gain (Loss) on Sale of Investments	14	-43	-83	-35	-90
Provision for Credit Losses	2,342	2,001	2,010	1,057	158
Change in Trading Asset Securities	-24,738	-26,559	-5,601	-2,124	-12,724
Accrued Interest Receivable	44	-711	-1,272	-959	46
Change in Income Taxes	-489	-257	361	-809	543
Change in Other Net Operating Assets	-8,912	-4,535	-10,757	-56,290	-46,735
Other Operating Activities	-248	-2,027	1,776	-1,149	903
Operating Cash Flow	-23,345	-23,379	-4,891	-51,796	-50,853
Capital Expenditures	-1,109	-1,089	-1,014	-1,109	-839
Cash Acquisitions	-	-	-	-3,085	-
Investment in Securities	-4,666	-19,662	-19,749	-20,197	-2,667
Investing Cash Flow	-5,775	-20,751	-20,763	-24,391	-3,506
Long-Term Debt Issued	1,250	2,250	1,750	1,000	1,000
Long-Term Debt Repaid	-1,378	-1,823	-1,831	-328	-1,313
Net Debt Issued (Repaid)	-128	427	-81	672	-313
Issuance of Common Stock	162	312	183	229	284
Repurchase of Common Stock	-1,731	-423	-	-134	-15
Preferred Stock Issued	2,757	996	-	1,395	748
Preferred Share Repurchases	-1,350	-975	-	-800	-
Common Dividends Paid	-3,629	-	-	-	-
Preferred Dividends Paid	-364	-	-	-	-
Total Dividends Paid	-3,993	-2,947	-2,261	-2,972	-2,649
Net Increase (Decrease) in Deposit Accounts	37,183	34,467	17,045	74,511	47,521
Other Financing Activities	-29	-	-	-	-
Financing Cash Flow	32,871	31,857	14,886	72,901	45,576
Foreign Exchange Rate Adjustments	63	22	49	248	-175
Net Cash Flow	3,814	-12,251	-10,719	-3,038	-8,958
Free Cash Flow	-24,454	-24,468	-5,905	-52,905	-51,692
Free Cash Flow Margin	-91.28%	-103.66%	-27.69%	-254.65%	-260.32%
Free Cash Flow Per Share	-26.00	-25.98	-6.45	-58.41	-57.41
Cash Interest Paid	33,975	38,038	29,673	8,310	3,701
Cash Income Tax Paid	3,231	2,513	1,657	2,585	1,374

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