Bank Leumi le-Israel B.M. 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	10,164	9,798	7,027	7,709	6,028	2,102
Depreciation & Amortization	79	141	143	598	694	678
Other Amortization	472	472	532	-	-	-
Gain (Loss) on Sale of Assets	-18	-852	-22	-52	-119	7
Gain (Loss) on Sale of Investments	36	-54	-22	-821	-1,027	-650
Provision for Credit Losses	507	713	2,383	498	-812	2,552
Change in Trading Asset Securities	-3,166	4,319	-12,099	-11,969	1,224	-4,298
Change in Other Net Operating Assets	2,073	1,804	3,346	10,652	-2,481	5,695
Other Operating Activities	788	-1,977	-2,531	-188	1,577	-555
Operating Cash Flow	10,620	15,039	-133	6,092	5,198	5,557
Operating Cash Flow Growth	-0.42%	-	-	17.20%	-6.46%	-56.60%
Capital Expenditures	-903	-737	-833	-765	-543	-594
Sale of Property, Plant and Equipment	27	1,028	41	112	179	11
Investment in Securities	-15,743	27,999	-59,855	-9,775	4,673	-8,924
Income (Loss) Equity Investments	-317	672	1,103	-282	114	26
Divestitures	-	-	-	-904	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-49,131	-36,615	-37,602	-61,647	-47,571	-16,471
Other Investing Activities	3	4	17	91	-9	137
Investing Cash Flow	-65,747	-8,321	-98,232	-72,888	-43,271	-25,841
Long-Term Debt Issued	-	7,668	20,582	13,100	3,935	5,468
Long-Term Debt Repaid	-	-10,098	-6,874	-61	-3,096	-8,248
Net Debt Issued (Repaid)	13,045	-2,430	13,708	13,039	839	-2,780
Issuance of Common Stock	-	-	-	2,736	-	-
Repurchase of Common Stock	-1,038	-682	-600	-	-	-250
Common Dividends Paid	-3,094	-2,569	-2,081	-1,665	-1,997	-297
Net Increase (Decrease) in Deposit Accounts	53,685	50,485	10,529	41,507	101,397	83,873
Other Financing Activities	-2,733	-2,733	-1,530	-3,149	-	-39
Financing Cash Flow	59,865	42,071	20,026	52,468	100,239	80,507
Foreign Exchange Rate Adjustments	-2,580	-619	173	740	-557	-1,274
Net Cash Flow	2,158	48,170	-78,166	-13,588	61,609	58,949
Free Cash Flow	9,717	14,302	-966	5,327	4,655	4,963
Free Cash Flow Growth	-2.08%	-	-	14.44%	-6.21%	-58.16%
Free Cash Flow Margin	43.43%	63.86%	-5.14%	30.04%	27.93%	47.10%
Free Cash Flow Per Share	6.47	9.43	-0.63	3.55	3.20	3.41
Cash Interest Paid	20,873	20,779	14,078	3,462	1,414	2,523
Cash Income Tax Paid	6,819	5,083	4,281	2,308	2,955	1,488

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.