FBAK 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	77.54	67.05	60.01	58.24	58.41
Depreciation & Amortization	4.32	4.53	5.17	5.16	5.03
Gain (Loss) on Sale of Assets	0.04	0.02	0	0.14	-1.53
Gain (Loss) on Sale of Investments	-7.97	-19.29	5.64	11.01	14.08
Total Asset Writedown	0.18	0.24	0.3	0.32	0.3
Provision for Credit Losses	4.81	0.72	-0.93	-1.25	2.43
Net Decrease (Increase) in Loans Originated / Sold - Operating	-1.56	2.57	-4.21	7.17	10.05
Change in Other Net Operating Assets	1.94	-12.79	19.93	-3.22	-2.58
Other Operating Activities	-0.88	0.52	2.26	3.91	0.17
Operating Cash Flow	77.46	42.77	87.26	80.53	82.43
Operating Cash Flow Growth	81.14%	-50.99%	8.36%	-2.30%	26.98%
Capital Expenditures	-3.53	-2.58	-2.42	-8.24	-3.15
Sale of Property, Plant and Equipment	0	0.03	-	0.01	0.02
Investment in Securities	1.34	525.09	536.67	-244.35	-1,042
Income (Loss) Equity Investments	-	-	-0.16	0.47	0.06
Net Decrease (Increase) in Loans Originated / Sold - Investing	-250.57	-190.93	-50.24	-110.82	95.1
Other Investing Activities	0.44	-0.24	2.82	-1.06	-1.06
Investing Cash Flow	-252.09	331.37	486.83	-364.46	-947.8
Short-Term Debt Issued	-	113.91	780	-	0.2
Long-Term Debt Issued	-	340	215	2,400	-
Total Debt Issued	-	453.91	995	2,400	0.2
Short-Term Debt Repaid	-4.09	-780	-41.69	-110.73	-188.27
Long-Term Debt Repaid	-7.24	-347.49	-202.02	-2,401	-0.07
Total Debt Repaid	-11.33	-1,127	-243.71	-2,512	-188.34
Net Debt Issued (Repaid)	-11.33	-673.57	751.29	-111.75	-188.14
Common Dividends Paid	-63.34	-50.67	-50.67	-50.67	-50.67
Net Increase (Decrease) in Deposit Accounts	55.56	-100.86	-444.84	7.93	1,104
Financing Cash Flow	-19.11	-825.11	255.78	-154.48	864.95
Net Cash Flow	-193.74	-450.97	829.87	-438.41	-0.42
Free Cash Flow	73.93	40.18	84.84	72.3	79.27
Free Cash Flow Growth	83.98%	-52.64%	17.36%	-8.80%	28.26%
Free Cash Flow Margin	34.67%	20.66%	46.84%	42.14%	50.68%
Free Cash Flow Per Share	23.34	12.69	26.79	22.83	25.03
Cash Interest Paid	47.69	95.59	38.44	14.6	1.78
Cash Income Tax Paid	25.24	21.28	21.28	11.55	21.34

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.