Cembra Money Bank AG (SWX:CMBN)

Cembra Money Bank AG Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	170.4	158.03	169.3	161.5	152.92
Depreciation & Amortization	26.83	27.5	25.96	25.05	26.52
Provision for Credit Losses	74.55	-10.22	40.93	40.28	56.41
Change in Income Taxes	3.14	5.81	-3.85	-3.88	-6.1
Change in Other Net Operating Assets	9.54	15.55	-1.88	-42.86	8.68
Other Operating Activities	-23.8	-8.15	12.96	-5.48	-5.17
Operating Cash Flow	260.65	188.53	243.42	174.61	233.26
Operating Cash Flow Growth	38.25%	-22.55%	39.41%	-25.14%	-7.58%
Capital Expenditures	-1,533	-1,606	-1,547	-1,334	-1,277
Cash Acquisitions	-	-	-50.64	-	-
Investment in Securities	-90.08	-0.52	-98.47	-	5.67
Purchase / Sale of Intangibles	-	-	-	-9.97	-12.92
Net Decrease (Increase) in Loans Originated / Sold - Investing	1,505	1,373	1,225	1,371	1,514
Other Investing Activities	5.91	-	-1.26	7.34	-0.2
Investing Cash Flow	-112.57	-233.44	-471.87	34.45	229.13
Long-Term Debt Issued	250	935	470	200	250
Long-Term Debt Repaid	-450.02	-450	-372.15	-275.22	-325.06
Net Debt Issued (Repaid)	-200.02	485	97.86	-75.22	-75.06
Repurchase of Common Stock	-2.12	-1.08	-3	-0.51	-2.18
Common Dividends Paid	-117.39	-115.93	-112.97	-110.18	-110.23
Net Increase (Decrease) in Deposit Accounts	27.17	-15.98	313.72	-75.22	-220.53
Other Financing Activities	3.73	0.88	2.04	2.5	2.89
Financing Cash Flow	-288.63	352.89	297.64	-258.64	-405.12
Net Cash Flow	-140.55	307.98	69.2	-49.58	57.28
Free Cash Flow	-1,272	-1,417	-1,303	-1,159	-1,044
Free Cash Flow Margin	-267.12%	-308.91%	-278.51%	-259.53%	-236.79%
Free Cash Flow Per Share	-43.31	-48.25	-44.37	-39.44	-35.51
Cash Interest Paid	84.41	53.26	24.51	23.15	24.88
Cash Income Tax Paid	36.33	24.92	34.68	52.04	55.61

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