Bank of Jerusalem 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	192.9	154.6	134.6	163.4	143.9	50.2
Depreciation & Amortization	16.4	4.7	5	68.3	61.3	58.4
Other Amortization	84.7	84.7	73.7	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-9.8	-
Gain (Loss) on Sale of Investments	-18.1	-5.9	3.1	5.2	-6.1	-5.6
Provision for Credit Losses	50.2	79.7	133.3	78.8	-58.9	102.4
Change in Trading Asset Securities	0.1	-1.8	4.8	-1.6	-3.1	1.8
Change in Other Net Operating Assets	-545.6	-100.3	126.7	-15	25.9	27.2
Other Operating Activities	-2.5	-0.1	-19.6	-4.6	71.8	-14.8
Operating Cash Flow	-253.2	178.2	418.6	228.6	180.9	153.7
Operating Cash Flow Growth	-	-57.43%	83.12%	26.37%	17.70%	-46.95%
Capital Expenditures	-136.2	-115.1	-110.5	-75.7	-78.5	-69.2
Sale of Property, Plant and Equipment	-	-	-	-	20.1	-
Investment in Securities	-446.7	-115.9	-79.6	-257.4	-305.3	489.3
Net Decrease (Increase) in Loans Originated / Sold - Investing	-537.4	-412.2	-1,103	-1,982	-1,100	-892.7
Investing Cash Flow	-1,120	-643.2	-1,293	-2,315	-1,464	-472.6
Long-Term Debt Issued	-	-	1,424	530.5	1,175	149.8
Long-Term Debt Repaid	-	-755.1	-754.3	-526.9	-351.9	-603.7
Net Debt Issued (Repaid)	-374.8	-755.1	669.6	3.6	823.3	-453.9
Common Dividends Paid	-64.8	-38.5	-70.6	-43.1	-15.1	-11.8
Net Increase (Decrease) in Deposit Accounts	56.5	1,158	2,066	1,849	893.5	867.4
Other Financing Activities	-	-	0.9	71.8	-	-
Financing Cash Flow	-383.1	364.7	2,666	1,881	1,702	401.7
Foreign Exchange Rate Adjustments	-21.6	-0.8	5.4	19.5	-11	0.3
Net Cash Flow	-1,778	-101.1	1,797	-185.9	408.1	83.1
Free Cash Flow	-389.4	63.1	308.1	152.9	102.4	84.5
Free Cash Flow Growth	-	-79.52%	101.50%	49.32%	21.18%	-64.42%
Free Cash Flow Margin	-41.70%	7.62%	40.58%	20.80%	15.20%	17.33%
Free Cash Flow Per Share	-5.52	0.90	4.37	2.17	1.45	1.20
Cash Interest Paid	747.6	733.1	356.8	192.7	138	132.6
Cash Income Tax Paid	62.1	93.1	50	63.7	98.8	69.4

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