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	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Jun '25 Jun 30, 2025	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	2016 - 2020
Net Income	179.28	170.4	158.03	169.3	161.5	152.92	Upgrade
Depreciation & Amortization	23.37	26.83	27.5	25.96	25.05	26.52	Upgrade
Provision for Credit Losses	70	74.55	-10.22	40.93	40.28	56.41	Upgrade
Change in Income Taxes	3.73	3.14	5.81	-3.85	-3.88	-6.1	Upgrade
Change in Other Net Operating Assets	-96.43	9.54	15.55	-1.88	-42.86	8.68	Upgrade
Other Operating Activities	-20.05	-23.8	-8.15	12.96	-5.48	-5.17	Upgrade
Operating Cash Flow	159.91	260.65	188.53	243.42	174.61	233.26	Upgrade
Operating Cash Flow Growth	-51.93%	38.25%	-22.55%	39.41%	-25.14%	-7.58%	Upgrade
Capital Expenditures	-1,531	-1,533	-1,606	-1,547	-1,334	-1,277	Upgrade
Cash Acquisitions	-	-	-	-50.64	-	-	Upgrade
Investment in Securities	-92.26	-90.08	-0.52	-98.47	-	5.67	Upgrade
Purchase / Sale of Intangibles	-	-	-	-	-9.97	-12.92	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	1,646	1,505	1,373	1,225	1,371	1,514	Upgrade
Other Investing Activities	1.77	5.91	-	-1.26	7.34	-0.2	Upgrade
Investing Cash Flow	24.49	-112.57	-233.44	-471.87	34.45	229.13	Upgrade
Long-Term Debt Issued	-	250	935	470	200	250	Upgrade
Long-Term Debt Repaid	-	-450.02	-450	-372.15	-275.22	-325.06	Upgrade
Net Debt Issued (Repaid)	-150.06	-200.02	485	97.86	-75.22	-75.06	Upgrade
Repurchase of Common Stock	-6.04	-2.12	-1.08	-3	-0.51	-2.18	Upgrade
Common Dividends Paid	-124.69	-117.39	-115.93	-112.97	-110.18	-110.23	Upgrade
Net Increase (Decrease) in Deposit Accounts	-137.45	27.17	-15.98	313.72	-75.22	-220.53	Upgrade
Other Financing Activities	5.1	3.73	0.88	2.04	2.5	2.89	Upgrade
Financing Cash Flow	-413.14	-288.63	352.89	297.64	-258.64	-405.12	Upgrade
Net Cash Flow	-228.75	-140.55	307.98	69.2	-49.58	57.28	Upgrade
Free Cash Flow	-1,371	-1,272	-1,417	-1,303	-1,159	-1,044	Upgrade
Free Cash Flow Margin	-285.91%	-267.12%	-308.91%	-278.51%	-259.53%	-236.79%	Upgrade
Free Cash Flow Per Share	-46.65	-43.31	-48.25	-44.37	-39.44	-35.51	Upgrade
Cash Interest Paid	91.87	84.41	53.26	24.51	23.15	24.88	Upgrade
Cash Income Tax Paid	56.77	36.33	24.92	34.68	52.04	55.61	Upgrade

Updated Feb 18, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.