FRA:ZB1 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	784	680	907	1,129
Depreciation & Amortization	124	140	110	-14
Provision for Credit Losses	72	132	122	-276
Change in Trading Asset Securities	13	22	-93	-107
Change in Other Net Operating Assets	164	-170	483	-51
Other Operating Activities	-42	48	-89	-80
Operating Cash Flow	1,148	885	1,470	629
Operating Cash Flow Growth	29.72%	-39.80%	133.70%	-12.52%
Capital Expenditures	-97	-113	-190	-206
Cash Acquisitions	-	-	318	-
Investment in Securities	159	4,601	5,878	-14,218
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,714	-2,103	-4,628	2,814
Other Investing Activities	12	-15	27	31
Investing Cash Flow	-1,640	2,370	1,405	-11,579
Short-Term Debt Issued	-	-	9,514	-
Long-Term Debt Issued	496	-	-	-
Total Debt Issued	496	-	9,514	-
Short-Term Debt Repaid	-547	-6,038	-	-669
Long-Term Debt Repaid	-88	-128	-290	-286
Total Debt Repaid	-635	-6,166	-290	-955
Net Debt Issued (Repaid)	-139	-6,166	9,224	-955
Issuance of Common Stock	10	3	9	21
Repurchase of Common Stock	-36	-51	-202	-800
Preferred Share Repurchases	-374	-	-	-126
Common Dividends Paid	-248	-	-240	-232
Preferred Dividends Paid	-41	-	-29	-29
Total Dividends Paid	-289	-282	-269	-261
Net Increase (Decrease) in Deposit Accounts	1,262	3,309	-11,567	13,136
Other Financing Activities	-7	-9	-8	-13
Financing Cash Flow	427	-3,196	-2,813	11,002
Net Cash Flow	-65	59	62	52
Free Cash Flow	1,051	772	1,280	423
Free Cash Flow Growth	36.14%	-39.69%	202.60%	-22.81%
Free Cash Flow Margin	34.37%	25.88%	42.24%	13.27%
Free Cash Flow Per Share	7.14	5.22	8.52	2.64
Cash Interest Paid	1,905	1,368	160	81
Cash Income Tax Paid	192	255	21	442

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