TLV:FIBI Cash Flow Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 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
Net Income	2,321	2,371	2,172	1,667	1,405	750
Depreciation & Amortization	45	67	66	178	171	167
Other Amortization	133	133	120	-	-	-
Gain (Loss) on Sale of Assets	-14	-19	-6	-8	-7	-
Gain (Loss) on Sale of Investments	-156	-200	87	124	-214	-10
Provision for Credit Losses	25	-16	502	123	-216	464
Change in Trading Asset Securities	-1,844	1,071	-931	-826	318	-1,008
Change in Other Net Operating Assets	-368	-2,129	-861	660	-2,018	1,176
Other Operating Activities	-1,160	236	274	1,468	-471	-885
Operating Cash Flow	-1,025	1,468	1,331	3,430	-1,101	625
Operating Cash Flow Growth	-	10.29%	-61.20%	-	-	-19.04%
Capital Expenditures	-81	-65	-52	-41	-39	-40
Sale of Property, Plant and Equipment	17	28	19	12	14	-
Investment in Securities	-6,966	-4,635	-8,867	-2,322	-2,976	-2,990
Income (Loss) Equity Investments	-7	-46	-92	44	-69	-29
Purchase / Sale of Intangibles	-155	-169	-133	-130	-133	-120
Net Decrease (Increase) in Loans Originated / Sold - Investing	-10,648	-5,310	303	-11,924	-7,738	-3,524
Investing Cash Flow	-17,833	-10,151	-8,730	-14,405	-10,872	-6,674
Long-Term Debt Issued	-	2,338	-	1,669	500	1,458
Long-Term Debt Repaid	-	-755	-145	-465	-1,588	-701
Net Debt Issued (Repaid)	3,357	1,583	-145	1,204	-1,088	757
Common Dividends Paid	-1,007	-989	-798	-945	-545	-125
Net Increase (Decrease) in Deposit Accounts	18,419	17,609	20,288	9,778	13,439	25,015
Other Financing Activities	-59	-29	-	-	-10	-
Financing Cash Flow	20,710	18,174	19,345	10,037	11,796	25,647
Foreign Exchange Rate Adjustments	-594	-141	188	369	-183	-180
Net Cash Flow	1,258	9,350	12,134	-569	-360	19,418
Free Cash Flow	-1,106	1,403	1,279	3,389	-1,140	585
Free Cash Flow Growth	-	9.70%	-62.26%	-	-	-19.09%
Free Cash Flow Margin	-15.75%	20.75%	20.91%	64.05%	-23.92%	15.83%
Free Cash Flow Per Share	-11.02	13.98	12.75	33.78	-11.36	5.83
Cash Interest Paid	6,726	5,978	3,780	907	433	540
Cash Income Tax Paid	1,569	1,384	1,415	769	717	481

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