Laurentian Bank of Canada Cash Flow Statement

Financials in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Net Income	139.87	-5.5	181.09	226.58	57.07
Depreciation & Amortization	23.92	37.24	42.02	38.47	44.98
Other Amortization	22.39	20.46	17.96	14.02	16.54
Total Asset Writedown	3.06	200.7	3.44	3.89	163.28
Provision for Credit Losses	61.04	61.55	61.61	56.88	49.5
Change in Trading Asset Securities	-1,336	-493.43	-61.02	663.59	-603.61
Accrued Interest Receivable	66.83	121.66	83.54	-48.57	5.14
Change in Other Net Operating Assets	535.36	3,108	237.01	-4,106	1,568
Other Operating Activities	30.66	11.3	-38.62	-88.82	-166.4
Operating Cash Flow	-452.91	3,062	527.01	-3,240	1,026
Operating Cash Flow Growth	-	480.96%	-	-	-57.81%
Capital Expenditures	-39.89	-37.02	-38.7	-63.05	-28.11
Investment in Securities	-246.83	-48.5	703.93	-987.71	-8.04
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	291.73	19.53
Investing Cash Flow	-286.72	-85.52	665.23	-759.03	-16.62
Long-Term Debt Issued	3.73	-	0.88	347.88	-
Long-Term Debt Repaid	-18.12	-29.12	-16.59	-380.77	-19.72
Net Debt Issued (Repaid)	-14.39	-29.12	-15.71	-32.89	-19.72
Issuance of Common Stock	8.1	0.12	1.7	1.65	125.05
Repurchase of Common Stock	-	-	-	-17.21	-
Preferred Share Repurchases	-	-	-	-	-125
Total Dividends Paid	-87.95	-85.47	-83.08	-99.34	-52.7
Net Increase (Decrease) in Deposit Accounts	834.64	-2,863	-1,105	4,144	-931.97
Other Financing Activities	-	-	-	-	-1.39
Financing Cash Flow	740.4	-2,977	-1,202	3,996	-1,006
Foreign Exchange Rate Adjustments	3.68	2.13	1.77	13.55	-3.95
Net Cash Flow	4.45	0.92	-8	10.7	-0.66
Free Cash Flow	-492.8	3,025	488.31	-3,303	997.53
Free Cash Flow Growth	-	519.42%	-	-	-58.78%
Free Cash Flow Margin	-53.41%	316.17%	50.66%	-337.92%	104.68%
Free Cash Flow Per Share	-11.13	69.02	11.23	-76.08	22.94
Cash Interest Paid	1,301	1,534	1,354	682.08	681
Cash Income Tax Paid	40.33	32.93	60.64	75.44	20.2

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