FRA:D8Q Cash Flow Statement

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

Millions USD. 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	222.37	205.87	166.16	92.04	62.7	63.59
Depreciation & Amortization	2.81	2.5	2.28	2.15	2.75	3.59
Other Amortization	1.34	1.06	0.81	0.56	0.74	0.75
Gain (Loss) on Sale of Assets	-0.03	0.01	0	0.01	-0.74	-
Gain (Loss) on Sale of Investments	-2.14	-0.32	3.86	-0.51	-0.57	2.98
Total Asset Writedown	-	-	0.02	-	0.26	-0.27
Provision for Credit Losses	20.37	17.3	27.46	19.52	2.33	-1.46
Change in Other Net Operating Assets	-738.06	-1,310	-396.48	-1,048	-852.16	915.47
Other Operating Activities	136.47	-51.73	35.1	8.42	13.76	10.46
Operating Cash Flow	-348.25	-1,128	-155.32	-924.14	-769.04	996.85
Capital Expenditures	-0.96	-1.81	-0.76	-1.65	-0.45	-1
Investment in Securities	-198.78	-176.09	-10.67	-213.62	-445.28	-317.6
Purchase / Sale of Intangibles	-2.15	-2.12	-1.34	-1.07	-0.35	-1.31
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	49.68	-	-
Investing Cash Flow	-201.89	-180.02	-12.77	-166.66	-446.08	-319.9
Short-Term Debt Issued	-	-	9.7	579.07	1,614	-
Long-Term Debt Issued	-	1,192	496.34	1,038	266.64	827.73
Total Debt Issued	583.24	1,192	506.04	1,617	1,880	827.73
Short-Term Debt Repaid	-	-155.85	-500.65	-127	-	-1,212
Long-Term Debt Repaid	-	-827.52	-222.34	-537.79	-98.75	-812.26
Total Debt Repaid	-1,064	-983.38	-722.99	-664.79	-98.75	-2,024
Net Debt Issued (Repaid)	-480.94	208.32	-216.95	952.39	1,781	-1,197
Issuance of Common Stock	197.98	-	-	-	-	-
Repurchase of Common Stock	-	-	-	-	-60.08	-
Common Dividends Paid	-87.12	-72.78	-36.27	-36.14	-38.57	-44.67
Net Increase (Decrease) in Deposit Accounts	1,197	1,005	1,217	154.49	-102.67	250.56
Financing Cash Flow	826.85	1,141	964.22	1,071	1,580	-990.65
Net Cash Flow	276.71	-167.14	796.13	-20.07	364.99	-313.71
Free Cash Flow	-349.21	-1,130	-156.08	-925.79	-769.5	995.85
Free Cash Flow Margin	-113.22%	-394.52%	-65.40%	-629.17%	-757.21%	987.09%
Free Cash Flow Per Share	-9.43	-30.75	-4.28	-25.50	-19.83	25.11
Cash Interest Paid	514.99	532.65	412.44	140.42	53.33	91.02

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