FRA:WB1 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	138.64	161.77	122.03	86.51
Depreciation & Amortization	10.4	11.77	16.57	16.62
Gain (Loss) on Sale of Assets	-1.37	-	-	-
Gain (Loss) on Sale of Investments	-	0.13	-	-0.03
Provision for Credit Losses	0.3	-1.15	-	-
Accrued Interest Receivable	9.96	-1.01	-18.04	-2.5
Change in Income Taxes	-	-	-	-1.05
Change in Other Net Operating Assets	-10.54	-10.93	-9.24	-10.47
Other Operating Activities	-8.9	-1.72	0.39	-5.58
Operating Cash Flow	141.57	158.21	113.7	88.74
Operating Cash Flow Growth	-10.51%	39.14%	28.14%	-17.64%
Capital Expenditures	-1.74	-1.16	-0.81	-1.32
Investment in Securities	666.8	459.97	-743.95	-498.52
Net Decrease (Increase) in Loans Originated / Sold - Investing	44.19	90.19	108.11	193.76
Other Investing Activities	6.44	-1.72	5.37	-
Investing Cash Flow	715.68	547.27	-631.29	-306.08
Short-Term Debt Issued	62.16	0.37	-	43.7
Total Debt Issued	62.16	0.37	-	43.7
Short-Term Debt Repaid	-	-	-88.45	-
Total Debt Repaid	-	-	-88.45	-
Net Debt Issued (Repaid)	62.16	0.37	-88.45	43.7
Issuance of Common Stock	1.49	0.95	2.26	3.02
Repurchase of Common Stock	-0.34	-13.75	-0.22	-0.23
Common Dividends Paid	-46.96	-45.95	-45.18	-44.3
Net Increase (Decrease) in Deposit Accounts	-462.42	-751.02	-188.67	725.98
Financing Cash Flow	-446.07	-809.4	-320.27	728.16
Net Cash Flow	411.18	-103.92	-837.85	510.81
Free Cash Flow	139.83	157.05	112.89	87.41
Free Cash Flow Growth	-10.96%	39.11%	29.15%	-17.18%
Free Cash Flow Margin	47.68%	48.39%	42.76%	40.69%
Free Cash Flow Per Share	5.24	5.88	4.20	3.25
Cash Interest Paid	17.43	3.9	1.94	2.03
Cash Income Tax Paid	57.26	64.02	39.84	27.67

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