Bank of Jerusalem Ltd. (TLV:JBNK)

Bank of Jerusalem Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	194.6	154.6	134.6	163.4	143.9
Depreciation & Amortization	4.5	4.7	78.7	68.3	61.3
Other Amortization	100	84.7	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-9.8
Gain (Loss) on Sale of Investments	-18.2	-5.9	3.1	5.2	-6.1
Provision for Credit Losses	52.4	79.7	133.3	78.8	-58.9
Change in Trading Asset Securities	-1.7	-1.8	4.8	-1.6	-3.1
Change in Other Net Operating Assets	-222.5	-100.3	126.7	-15	25.9
Other Operating Activities	-0.9	-0.1	-19.6	-4.6	71.8
Operating Cash Flow	76.9	178.2	418.6	228.6	180.9
Operating Cash Flow Growth	-56.85%	-57.43%	83.12%	26.37%	17.70%
Capital Expenditures	-122.1	-115.1	-110.5	-75.7	-78.5
Sale of Property, Plant and Equipment	-	-	-	-	20.1
Investment in Securities	-253.9	-115.9	-79.6	-257.4	-305.3
Net Decrease (Increase) in Loans Originated / Sold - Investing	-746.7	-412.2	-1,103	-1,982	-1,100
Investing Cash Flow	-1,123	-643.2	-1,293	-2,315	-1,464
Long-Term Debt Issued	632.3	-	1,424	530.5	1,175
Long-Term Debt Repaid	-626	-755.1	-754.3	-526.9	-351.9
Net Debt Issued (Repaid)	6.3	-755.1	669.6	3.6	823.3
Common Dividends Paid	-64.8	-38.5	-70.6	-43.1	-15.1
Net Increase (Decrease) in Deposit Accounts	471.5	1,158	2,066	1,849	893.5
Other Financing Activities	-	-	0.9	71.8	-
Financing Cash Flow	413	364.7	2,666	1,881	1,702
Foreign Exchange Rate Adjustments	-18.7	-0.8	5.4	19.5	-11
Net Cash Flow	-651.5	-101.1	1,797	-185.9	408.1
Free Cash Flow	-45.2	63.1	308.1	152.9	102.4
Free Cash Flow Growth	-	-79.52%	101.50%	49.32%	21.18%
Free Cash Flow Margin	-4.81%	7.62%	40.58%	20.80%	15.20%
Free Cash Flow Per Share	-0.64	0.90	4.37	2.17	1.45
Cash Interest Paid	699.1	733.1	356.8	192.7	138
Cash Income Tax Paid	84.3	111.5	50	63.7	98.8

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