FMBL 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	-	44.88	70.01	109	115.21
Depreciation & Amortization	-	9.88	9.2	8.77	8.98
Gain (Loss) on Sale of Assets	-	-5.77	-0.13	-0.11	-0.02
Gain (Loss) on Sale of Investments	-	35.27	34.6	39.83	45.17
Provision for Credit Losses	-	-6.6	-3.6	3.5	-
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-1.06	0.06	1.32	15.82
Change in Other Net Operating Assets	-	11.5	-20.72	8.25	-6.82
Other Operating Activities	-	14.92	11.5	13.23	11.08
Operating Cash Flow	-	107.5	108.39	190.88	193.71
Operating Cash Flow Growth	-	-0.81%	-43.22%	-1.46%	35.68%
Capital Expenditures	-	-5.9	-16.91	-11.18	-21.22
Sale of Property, Plant and Equipment	-	7.93	0.13	0.01	0.05
Investment in Securities	-	380.44	443.98	-469.48	-1,285
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	283.82	5.82	-1,298	-44.95
Other Investing Activities	-	0.33	4.29	-7.06	-6.85
Investing Cash Flow	-	670.86	437.31	-1,785	-1,358
Short-Term Debt Issued	-	82.49	423.46	700	-
Total Debt Issued	-	82.49	423.46	700	-
Short-Term Debt Repaid	-	-500	-	-130.76	-145.68
Total Debt Repaid	-	-500	-	-130.76	-145.68
Net Debt Issued (Repaid)	-	-417.51	423.46	569.24	-145.68
Repurchase of Common Stock	-	-19.93	-0.48	-19.52	-8.06
Common Dividends Paid	-	-15.57	-15.65	-15.77	-15.49
Net Increase (Decrease) in Deposit Accounts	-	99.53	-472.43	-98.99	1,624
Financing Cash Flow	-	-353.48	-65.09	434.96	1,455
Net Cash Flow	-	424.89	480.61	-1,159	290
Free Cash Flow	-	101.61	91.48	179.71	172.49
Free Cash Flow Growth	-	11.07%	-49.09%	4.18%	25.56%
Free Cash Flow Margin	-	38.77%	32.31%	55.45%	54.40%
Free Cash Flow Per Share	-	811.96	723.65	1410.53	1344.98
Cash Interest Paid	-	196.04	159.05	33.77	8.79
Cash Income Tax Paid	-	5.48	12.35	17.81	27.03

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