TLV:FIBI Cash Flow Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	2,371	2,172	1,667	1,405
Depreciation & Amortization	67	66	178	171
Other Amortization	133	120	-	-
Gain (Loss) on Sale of Assets	-19	-6	-8	-7
Gain (Loss) on Sale of Investments	-200	87	124	-214
Provision for Credit Losses	-16	502	123	-216
Change in Trading Asset Securities	1,071	-931	-826	318
Change in Other Net Operating Assets	-2,129	-861	660	-2,018
Other Operating Activities	236	274	1,468	-471
Operating Cash Flow	1,468	1,331	3,430	-1,101
Operating Cash Flow Growth	10.29%	-61.20%	-	-
Capital Expenditures	-65	-52	-41	-39
Sale of Property, Plant and Equipment	28	19	12	14
Investment in Securities	-4,635	-8,867	-2,322	-2,976
Income (Loss) Equity Investments	-46	-92	44	-69
Purchase / Sale of Intangibles	-169	-133	-130	-133
Net Decrease (Increase) in Loans Originated / Sold - Investing	-5,310	303	-11,924	-7,738
Investing Cash Flow	-10,151	-8,730	-14,405	-10,872
Long-Term Debt Issued	2,338	-	1,669	500
Long-Term Debt Repaid	-755	-145	-465	-1,588
Net Debt Issued (Repaid)	1,583	-145	1,204	-1,088
Common Dividends Paid	-989	-798	-945	-545
Net Increase (Decrease) in Deposit Accounts	17,609	20,288	9,778	13,439
Other Financing Activities	-29	-	-	-10
Financing Cash Flow	18,174	19,345	10,037	11,796
Foreign Exchange Rate Adjustments	-141	188	369	-183
Net Cash Flow	9,350	12,134	-569	-360
Free Cash Flow	1,403	1,279	3,389	-1,140
Free Cash Flow Growth	9.70%	-62.26%	-	-
Free Cash Flow Margin	20.75%	20.91%	64.05%	-23.92%
Free Cash Flow Per Share	13.98	12.75	33.78	-11.36
Cash Interest Paid	5,978	3,780	907	433
Cash Income Tax Paid	1,384	1,415	769	717

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