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	FY 2020	2015 - 2019
Period Ending	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	2015 - 2019
Net Income	2,371	2,172	1,667	1,405	750	Upgrade
Depreciation & Amortization	67	66	178	171	167	Upgrade
Other Amortization	133	120	-	-	-	Upgrade
Gain (Loss) on Sale of Assets	-19	-6	-8	-7	-	Upgrade
Gain (Loss) on Sale of Investments	-200	87	124	-214	-10	Upgrade
Provision for Credit Losses	-16	502	123	-216	464	Upgrade
Change in Trading Asset Securities	1,071	-931	-826	318	-1,008	Upgrade
Change in Other Net Operating Assets	-2,129	-861	660	-2,018	1,176	Upgrade
Other Operating Activities	236	274	1,468	-471	-885	Upgrade
Operating Cash Flow	1,468	1,331	3,430	-1,101	625	Upgrade
Operating Cash Flow Growth	10.29%	-61.20%	-	-	-19.04%	Upgrade
Capital Expenditures	-65	-52	-41	-39	-40	Upgrade
Sale of Property, Plant and Equipment	28	19	12	14	-	Upgrade
Investment in Securities	-4,635	-8,867	-2,322	-2,976	-2,990	Upgrade
Income (Loss) Equity Investments	-46	-92	44	-69	-29	Upgrade
Purchase / Sale of Intangibles	-169	-133	-130	-133	-120	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	-5,310	303	-11,924	-7,738	-3,524	Upgrade
Investing Cash Flow	-10,151	-8,730	-14,405	-10,872	-6,674	Upgrade
Long-Term Debt Issued	2,338	-	1,669	500	1,458	Upgrade
Long-Term Debt Repaid	-755	-145	-465	-1,588	-701	Upgrade
Net Debt Issued (Repaid)	1,583	-145	1,204	-1,088	757	Upgrade
Common Dividends Paid	-989	-798	-945	-545	-125	Upgrade
Net Increase (Decrease) in Deposit Accounts	17,609	20,288	9,778	13,439	25,015	Upgrade
Other Financing Activities	-29	-	-	-10	-	Upgrade
Financing Cash Flow	18,174	19,345	10,037	11,796	25,647	Upgrade
Foreign Exchange Rate Adjustments	-141	188	369	-183	-180	Upgrade
Net Cash Flow	9,350	12,134	-569	-360	19,418	Upgrade
Free Cash Flow	1,403	1,279	3,389	-1,140	585	Upgrade
Free Cash Flow Growth	9.70%	-62.26%	-	-	-19.09%	Upgrade
Free Cash Flow Margin	20.75%	20.91%	64.05%	-23.92%	15.83%	Upgrade
Free Cash Flow Per Share	13.98	12.75	33.78	-11.36	5.83	Upgrade
Cash Interest Paid	5,978	3,780	907	433	540	Upgrade
Cash Income Tax Paid	1,384	1,415	769	717	481	Upgrade

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