Israel Discount Bank Cash Flow Statement

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

Millions ILS. 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	4,140	4,281	4,192	3,495	2,773
Depreciation & Amortization	314	370	623	579	538
Other Amortization	372	343	-	-	-
Gain (Loss) on Sale of Assets	-52	-12	-415	-421	-52
Gain (Loss) on Sale of Investments	-404	-363	124	-62	-496
Total Asset Writedown	-	6	-	-	-
Provision for Credit Losses	784	464	1,463	407	-693
Change in Trading Asset Securities	-5,116	-1,963	-5,184	-7,040	906
Change in Other Net Operating Assets	6,622	867	1,002	2,853	1,079
Other Operating Activities	17	235	166	-757	402
Operating Cash Flow	6,671	4,233	2,013	-946	4,457
Operating Cash Flow Growth	57.59%	110.28%	-	-	-36.81%
Capital Expenditures	-701	-836	-1,194	-1,064	-977
Sale of Property, Plant and Equipment	65	1	424	521	61
Investment in Securities	-7,599	-4,885	-8,618	1,026	-3,535
Income (Loss) Equity Investments	-19	-2	29	-1	-1
Net Decrease (Increase) in Loans Originated / Sold - Investing	-24,200	-21,226	-20,778	-30,251	-22,048
Other Investing Activities	58	237	103	1,511	996
Investing Cash Flow	-32,377	-26,709	-30,063	-28,257	-25,503
Long-Term Debt Issued	9,492	7,068	13,574	5,936	5,785
Long-Term Debt Repaid	-5,566	-1,316	-1,953	-5,220	-1,193
Net Debt Issued (Repaid)	3,926	5,752	11,621	716	4,592
Issuance of Common Stock	-	-	-	1,398	-
Repurchase of Common Stock	-331	-102	-	-	-
Common Dividends Paid	-1,638	-1,153	-1,047	-617	-144
Net Increase (Decrease) in Deposit Accounts	26,984	30,789	2,122	32,314	33,818
Other Financing Activities	-	520	-21	-118	-
Financing Cash Flow	28,941	35,806	12,675	33,693	38,266
Foreign Exchange Rate Adjustments	-272	-94	-41	674	-208
Net Cash Flow	2,963	13,236	-15,416	5,164	17,012
Free Cash Flow	5,970	3,397	819	-2,010	3,480
Free Cash Flow Growth	75.74%	314.77%	-	-	-44.02%
Free Cash Flow Margin	46.41%	26.56%	6.75%	-16.03%	31.12%
Free Cash Flow Per Share	4.84	2.75	0.66	-1.65	2.99
Cash Interest Paid	11,342	11,086	7,773	2,110	766
Cash Income Tax Paid	3,101	2,293	2,235	1,201	906

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