FBAK 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	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	67.05	60.01	58.24	58.41	57.54
Depreciation & Amortization	4.53	5.17	5.16	5.03	5.03
Gain (Loss) on Sale of Assets	0.02	0	0.14	-1.53	-0.16
Gain (Loss) on Sale of Investments	-19.29	5.64	11.01	14.08	6.11
Total Asset Writedown	0.24	0.3	0.32	0.3	0.41
Provision for Credit Losses	0.72	-0.93	-1.25	2.43	2.2
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.57	-4.21	7.17	10.05	2.64
Change in Other Net Operating Assets	-12.79	19.93	-3.22	-2.58	-2.31
Other Operating Activities	0.52	2.26	3.91	0.17	-1.57
Operating Cash Flow	42.77	87.26	80.53	82.43	64.91
Operating Cash Flow Growth	-50.99%	8.36%	-2.30%	26.98%	-1.05%
Capital Expenditures	-2.58	-2.42	-8.24	-3.15	-3.11
Sale of Property, Plant and Equipment	0.03	-	0.01	0.02	0.01
Investment in Securities	525.09	536.67	-244.35	-1,042	-243.23
Income (Loss) Equity Investments	-	-0.16	0.47	0.06	0.2
Net Decrease (Increase) in Loans Originated / Sold - Investing	-190.93	-50.24	-110.82	95.1	-199.06
Other Investing Activities	-0.24	2.82	-1.06	-1.06	-0.07
Investing Cash Flow	331.37	486.83	-364.46	-947.8	-445.02
Short-Term Debt Issued	113.91	780	-	0.2	140.44
Long-Term Debt Issued	340	215	2,400	-	-
Total Debt Issued	453.91	995	2,400	0.2	140.44
Short-Term Debt Repaid	-780	-41.69	-110.73	-188.27	-30.1
Long-Term Debt Repaid	-347.49	-202.02	-2,401	-0.07	-0.07
Total Debt Repaid	-1,127	-243.71	-2,512	-188.34	-30.17
Net Debt Issued (Repaid)	-673.57	751.29	-111.75	-188.14	110.27
Repurchase of Common Stock	-	-	-	-	-0.15
Common Dividends Paid	-50.67	-50.67	-50.67	-50.67	-40.54
Net Increase (Decrease) in Deposit Accounts	-100.86	-444.84	7.93	1,104	725.38
Financing Cash Flow	-825.11	255.78	-154.48	864.95	784.83
Net Cash Flow	-450.97	829.87	-438.41	-0.42	404.72
Free Cash Flow	40.18	84.84	72.3	79.27	61.8
Free Cash Flow Growth	-52.64%	17.36%	-8.80%	28.26%	4.00%
Free Cash Flow Margin	20.66%	46.84%	42.14%	50.68%	38.07%
Free Cash Flow Per Share	12.69	26.79	22.83	25.03	19.52
Cash Interest Paid	95.59	38.44	14.6	1.78	4.05
Cash Income Tax Paid	21.28	21.28	11.55	21.34	23.06

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.