TLV:FIBI 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	2,260	2,371	2,172	1,667	1,405
Depreciation & Amortization	65	97	186	178	171
Other Amortization	145	133	-	-	-
Gain (Loss) on Sale of Assets	-9	-19	-6	-8	-7
Gain (Loss) on Sale of Investments	-48	-200	87	124	-214
Provision for Credit Losses	19	-16	502	123	-216
Change in Trading Asset Securities	-1,418	1,071	-931	-826	318
Change in Other Net Operating Assets	1,014	-2,159	-861	660	-2,018
Other Operating Activities	-1,263	236	274	1,468	-471
Operating Cash Flow	730	1,468	1,331	3,430	-1,101
Operating Cash Flow Growth	-50.27%	10.29%	-61.20%	-	-
Capital Expenditures	-73	-65	-52	-41	-39
Sale of Property, Plant and Equipment	14	28	19	12	14
Investment in Securities	-6,337	-4,635	-8,867	-2,322	-2,976
Income (Loss) Equity Investments	-35	-46	-92	44	-69
Purchase / Sale of Intangibles	-187	-169	-133	-130	-133
Net Decrease (Increase) in Loans Originated / Sold - Investing	-12,683	-5,310	303	-11,924	-7,738
Investing Cash Flow	-19,266	-10,151	-8,730	-14,405	-10,872
Long-Term Debt Issued	6,446	2,338	-	1,669	500
Long-Term Debt Repaid	-1,946	-755	-145	-465	-1,588
Net Debt Issued (Repaid)	4,500	1,583	-145	1,204	-1,088
Common Dividends Paid	-1,195	-989	-798	-945	-545
Net Increase (Decrease) in Deposit Accounts	22,315	17,609	20,288	9,778	13,439
Other Financing Activities	-181	-29	-	-	-10
Financing Cash Flow	25,439	18,174	19,345	10,037	11,796
Foreign Exchange Rate Adjustments	-693	-141	188	369	-183
Net Cash Flow	6,210	9,350	12,134	-569	-360
Free Cash Flow	657	1,403	1,279	3,389	-1,140
Free Cash Flow Growth	-53.17%	9.70%	-62.26%	-	-
Free Cash Flow Margin	9.52%	20.75%	20.91%	64.05%	-23.92%
Free Cash Flow Per Share	6.55	13.98	12.75	33.78	-11.36
Cash Interest Paid	6,940	5,978	3,780	907	433
Cash Income Tax Paid	1,654	1,384	1,415	769	717

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