Isracard 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	265	252	155	343
Depreciation & Amortization	32	160	137	135
Other Amortization	127	-	-	-
Loss (Gain) From Sale of Investments	-	-2	3	-3
Asset Writedown & Restructuring Costs	-	-	21	-
Provision for Credit Losses	267	347	124	62
Loss (Gain) on Equity Investments	-3	-	-2	-7
Stock-Based Compensation	18	17	8	-
Change in Other Net Operating Assets	583	-692	-322	8,368
Other Operating Activities	-190	-48	90	-31
Operating Cash Flow	1,099	34	214	8,811
Operating Cash Flow Growth	3132.35%	-84.11%	-97.57%	771.51%
Capital Expenditures	-162	-161	-172	-180
Sale of Property, Plant & Equipment	-	-	-	126
Cash Acquisitions	-	-	-5	-
Investment in Securities	-11	30	-12	-11
Net Decrease (Increase) in Loans Originated / Sold - Investing	-975	-1,946	-2,287	-158
Investing Cash Flow	-1,148	-2,077	-2,476	-223
Short-Term Debt Issued	602	400	-	-
Long-Term Debt Issued	185	977	-	-
Total Debt Issued	787	1,377	-	-
Long-Term Debt Repaid	-519	-240	-357	-4,032
Net Debt Issued (Repaid)	268	1,137	-357	-4,032
Common Dividends Paid	-99	-68	-149	-28
Other Financing Activities	-14	-	-	-
Financing Cash Flow	155	1,069	-506	-4,060
Foreign Exchange Rate Adjustments	-6	22	-10	-22
Net Cash Flow	100	-952	-2,778	4,506
Free Cash Flow	937	-127	42	8,631
Free Cash Flow Growth	-	-	-99.51%	926.28%
Free Cash Flow Margin	31.26%	-4.53%	1.63%	383.94%
Free Cash Flow Per Share	4.62	-0.63	0.21	43.16
Cash Interest Paid	190	125	30	41
Cash Income Tax Paid	221	19	152	103

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