FRA:CBY Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-	182.48	131.92	188.08	189.69
Depreciation & Amortization	-	28.66	28.35	30.43	30.16
Gain (Loss) on Sale of Assets	-	-2.38	-1.49	-0.66	-0.33
Gain (Loss) on Sale of Investments	-	10.07	58.21	-18.69	-22.52
Provision for Credit Losses	-	22.77	11.2	14.77	-8.84
Change in Other Net Operating Assets	-	-5.88	1.11	-6.23	2.06
Other Operating Activities	-	-1.82	-10.16	-0.84	5.98
Operating Cash Flow	-	242.28	228.42	214.6	202.55
Operating Cash Flow Growth	-	6.07%	6.44%	5.95%	12.85%
Capital Expenditures	-	-20.7	-18.59	-12.92	-13.38
Sale of Property, Plant and Equipment	-	5.74	7.47	2.43	0.2
Cash Acquisitions	-	-15.62	-8.52	-0.67	-29.33
Investment in Securities	-	-39.46	1,279	-1,124	-1,538
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-765.58	-923.28	-1,004	49.93
Investing Cash Flow	-	-835.62	335.78	-2,139	-1,531
Short-Term Debt Issued	-	65	-	790.33	40.71
Long-Term Debt Issued	-	250	400	-	-
Total Debt Issued	-	315	400	790.33	40.71
Short-Term Debt Repaid	-	-43.04	-757.46	-	-
Long-Term Debt Repaid	-	-47.07	-14.97	-0.1	-82.09
Total Debt Repaid	-	-90.12	-772.43	-0.1	-82.09
Net Debt Issued (Repaid)	-	224.89	-372.43	790.24	-41.38
Issuance of Common Stock	-	7.09	1.02	1.18	9.82
Repurchase of Common Stock	-	-47.51	-31.43	-17.9	-6.35
Common Dividends Paid	-	-95.78	-95.1	-93.39	-91.05
Net Increase (Decrease) in Deposit Accounts	-	513.59	-84.19	-421.16	1,686
Other Financing Activities	-	-2.89	-1	0.24	0.25
Financing Cash Flow	-	599.38	-583.13	259.22	1,557
Net Cash Flow	-	6.04	-18.93	-1,665	229.26
Free Cash Flow	-	221.57	209.84	201.68	189.17
Free Cash Flow Growth	-	5.59%	4.04%	6.61%	14.86%
Free Cash Flow Margin	-	30.62%	32.75%	30.35%	30.05%
Free Cash Flow Per Share	-	4.19	3.91	3.72	3.48
Cash Interest Paid	-	192.87	100.04	23.4	13.75
Cash Income Tax Paid	-	43.73	41.66	57.13	41.53

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