FRA:QC10 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	-	-1,118	-79	650	596
Depreciation & Amortization	-	184	165	23	21
Gain (Loss) on Sale of Assets	-	-89	-	-2	-
Gain (Loss) on Sale of Investments	-	181	222	-35	-5
Total Asset Writedown	-	77	2,426	-	-
Provision for Credit Losses	-	1,092	833	133	3
Change in Other Net Operating Assets	-	43	-944	395	-342
Other Operating Activities	-	-290	-2,318	-162	-13
Operating Cash Flow	-	86	263	1,026	290
Operating Cash Flow Growth	-	-67.30%	-74.37%	253.79%	-13.17%
Capital Expenditures	-	-36	-66	-3	-4
Cash Acquisitions	-	-	24,901	331	-
Investment in Securities	-	-968	214	-1,282	-68
Purchase / Sale of Intangibles	-	1,418	50	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	14,772	-4,331	-5,181	-2,682
Other Investing Activities	-	267	-95	-188	-8
Investing Cash Flow	-	15,453	20,673	-6,323	-2,762
Short-Term Debt Issued	-	-	-	2,550	950
Long-Term Debt Issued	-	28,236	19,850	9,479	2,072
Total Debt Issued	-	28,236	19,850	12,029	3,022
Short-Term Debt Repaid	-	-4,250	-550	-	-
Long-Term Debt Repaid	-	-30,837	-19,374	-13,960	-2,544
Total Debt Repaid	-	-35,087	-19,924	-13,960	-2,544
Net Debt Issued (Repaid)	-	-6,851	-74	-1,931	478
Issuance of Common Stock	-	1,004	-	-	-
Repurchase of Common Stock	-	-11	-12	-24	-16
Preferred Stock Issued	-	1	-	-	-
Common Dividends Paid	-	-53	-486	-317	-316
Preferred Dividends Paid	-	-35	-33	-33	-33
Total Dividends Paid	-	-88	-519	-350	-349
Net Increase (Decrease) in Deposit Accounts	-	-5,671	-10,738	7,662	2,622
Other Financing Activities	-	27	-66	-189	-
Financing Cash Flow	-	-11,589	-11,409	5,168	2,735
Net Cash Flow	-	3,950	9,527	-129	263
Free Cash Flow	-	50	197	1,023	286
Free Cash Flow Growth	-	-74.62%	-80.74%	257.69%	-14.37%
Free Cash Flow Margin	-	3.16%	7.04%	75.72%	21.23%
Free Cash Flow Per Share	-	0.15	0.83	6.33	1.85
Cash Interest Paid	-	3,693	2,290	657	402
Cash Income Tax Paid	-	33	54	17	471

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