TLV: JCFN Cash Flow Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2022	FY 2021	FY 2020
Period Ending	Sep '23 Sep 30, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	51.99	47.49	24.33	-0.83
Depreciation & Amortization	0.07	0.07	0.06	0
Provision for Credit Losses	6.45	6.56	2.17	1.42
Change in Accounts Payable	-0.44	0.46	1.73	0.19
Change in Income Taxes	2.16	-7.94	7.93	0.09
Change in Other Net Operating Assets	-43.78	-195.65	-54.67	11.99
Other Operating Activities	-0.55	-0.37	0.22	-0.27
Operating Cash Flow	15.9	-149.38	-18.23	12.6
Capital Expenditures	-0.01	-0.01	-0.08	-0.01
Investing Cash Flow	-0.01	-0.01	-0.08	-0.01
Issuance of Common Stock	-	164.78	6.5	-
Financing Cash Flow	-	164.78	6.5	-
Net Cash Flow	15.89	15.4	-11.81	12.58
Free Cash Flow	15.89	-149.39	-18.31	12.58
Free Cash Flow Margin	20.52%	-212.54%	-52.56%	-
Free Cash Flow Per Share	0.61	-6.09	-2.70	7.67
Cash Interest Paid	58.5	29.33	17.74	0.09
Cash Income Tax Paid	-	-23.71	-	-

Source: S&P Capital IQ. Financial Services template. Financial Sources.