FMBL 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	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

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