Cembra Money Bank AG Cash Flow Statement

Financials in millions CHF. Fiscal year is January - December.

Millions CHF. 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	179.57	170.4	158.03	169.3	161.5
Depreciation & Amortization	18.46	26.83	27.5	25.96	25.05
Provision for Credit Losses	73.52	74.55	-10.22	40.93	40.28
Change in Income Taxes	0.01	3.14	5.81	-3.85	-3.88
Change in Other Net Operating Assets	-60.48	9.54	15.55	-1.88	-42.86
Other Operating Activities	8.31	-23.8	-8.15	12.96	-5.48
Operating Cash Flow	219.4	260.65	188.53	243.42	174.61
Operating Cash Flow Growth	-15.82%	38.25%	-22.55%	39.41%	-25.14%
Capital Expenditures	-1,538	-1,533	-1,606	-1,547	-1,334
Cash Acquisitions	-	-	-	-50.64	-
Investment in Securities	-13.91	-90.08	-0.52	-98.47	-
Purchase / Sale of Intangibles	-	-	-	-	-9.97
Net Decrease (Increase) in Loans Originated / Sold - Investing	1,489	1,505	1,373	1,225	1,371
Other Investing Activities	4.1	5.91	-	-1.26	7.34
Investing Cash Flow	-58.78	-112.57	-233.44	-471.87	34.45
Long-Term Debt Issued	300	250	935	470	200
Long-Term Debt Repaid	-400.06	-450.02	-450	-372.15	-275.22
Net Debt Issued (Repaid)	-100.06	-200.02	485	97.86	-75.22
Repurchase of Common Stock	-6.04	-2.12	-1.08	-3	-0.51
Common Dividends Paid	-124.69	-117.39	-115.93	-112.97	-110.18
Net Increase (Decrease) in Deposit Accounts	65.35	27.17	-15.98	313.72	-75.22
Other Financing Activities	3.28	3.73	0.88	2.04	2.5
Financing Cash Flow	-162.16	-288.63	352.89	297.64	-258.64
Net Cash Flow	-1.53	-140.55	307.98	69.2	-49.58
Free Cash Flow	-1,319	-1,272	-1,417	-1,303	-1,159
Free Cash Flow Margin	-281.38%	-267.12%	-308.91%	-278.51%	-259.53%
Free Cash Flow Per Share	-44.88	-43.31	-48.25	-44.37	-39.44
Cash Interest Paid	86.45	84.41	53.26	24.51	23.15
Cash Income Tax Paid	43.5	36.33	24.92	34.68	52.04

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