FRA:D8Q Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	205.87	166.16	92.04	62.7
Depreciation & Amortization	2.5	2.28	2.15	2.75
Other Amortization	1.06	0.81	0.56	0.74
Gain (Loss) on Sale of Assets	0.01	0	0.01	-0.74
Gain (Loss) on Sale of Investments	-0.32	3.86	-0.51	-0.57
Total Asset Writedown	-	0.02	-	0.26
Provision for Credit Losses	17.3	27.46	19.52	2.33
Change in Other Net Operating Assets	-1,310	-396.48	-1,048	-852.16
Other Operating Activities	-51.73	35.1	8.42	13.76
Operating Cash Flow	-1,128	-155.32	-924.14	-769.04
Capital Expenditures	-1.81	-0.76	-1.65	-0.45
Investment in Securities	-176.09	-10.67	-213.62	-445.28
Purchase / Sale of Intangibles	-2.12	-1.34	-1.07	-0.35
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	49.68	-
Investing Cash Flow	-180.02	-12.77	-166.66	-446.08
Short-Term Debt Issued	-	9.7	579.07	1,614
Long-Term Debt Issued	1,192	496.34	1,038	266.64
Total Debt Issued	1,192	506.04	1,617	1,880
Short-Term Debt Repaid	-155.85	-500.65	-127	-
Long-Term Debt Repaid	-827.52	-222.34	-537.79	-98.75
Total Debt Repaid	-983.38	-722.99	-664.79	-98.75
Net Debt Issued (Repaid)	208.32	-216.95	952.39	1,781
Repurchase of Common Stock	-	-	-	-60.08
Common Dividends Paid	-72.78	-36.27	-36.14	-38.57
Net Increase (Decrease) in Deposit Accounts	1,005	1,217	154.49	-102.67
Financing Cash Flow	1,141	964.22	1,071	1,580
Net Cash Flow	-167.14	796.13	-20.07	364.99
Free Cash Flow	-1,130	-156.08	-925.79	-769.5
Free Cash Flow Margin	-394.52%	-65.40%	-629.17%	-757.21%
Free Cash Flow Per Share	-30.75	-4.28	-25.50	-19.83
Cash Interest Paid	532.65	412.44	140.42	53.33

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