Chang Hwa Commercial Bank Cash Flow Statement

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

Millions TWD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	17,775	14,945	12,982	10,971	8,804
Depreciation & Amortization	1,748	1,260	1,227	1,215	1,160
Other Amortization	-	358.36	423.81	356.19	260.21
Gain (Loss) on Sale of Investments	-6,750	-19,787	-2,081	-3,147	-2,136
Provision for Credit Losses	3,018	3,051	3,241	3,319	1,794
Change in Trading Asset Securities	-45,832	-49,382	-83,697	-21,940	-94,958
Change in Other Net Operating Assets	-110,982	-279,147	-84,872	-212,407	-112,057
Other Operating Activities	-1,974	10,784	-3,599	1,803	297.85
Operating Cash Flow	-142,997	-317,917	-156,375	-219,829	-196,835
Capital Expenditures	-1,403	-1,162	-778.11	-741.53	-574.6
Sale of Property, Plant and Equipment	0.03	2.35	0.79	0.02	-
Purchase / Sale of Intangibles	-312.62	-139.3	-252.89	-765.28	-153.42
Investing Cash Flow	-1,464	-1,311	-1,032	-1,507	-728.12
Short-Term Debt Issued	4,476	265.58	10,197	-	146.23
Long-Term Debt Issued	70,423	2,247	61,418	-	-
Total Debt Issued	74,898	2,513	71,616	-	146.23
Short-Term Debt Repaid	-	-	-	-431.85	-
Long-Term Debt Repaid	-733.06	-10,142	-3,698	-47,571	-28,672
Total Debt Repaid	-733.06	-10,142	-3,698	-48,003	-28,672
Net Debt Issued (Repaid)	74,165	-7,630	67,918	-48,003	-28,525
Common Dividends Paid	-5,603	-5,972	-5,826	-5,244	-3,739
Net Increase (Decrease) in Deposit Accounts	110,049	274,413	125,829	182,332	249,395
Financing Cash Flow	178,611	260,811	187,921	129,084	217,132
Foreign Exchange Rate Adjustments	-1,184	2,316	-302.74	2,565	-517
Net Cash Flow	32,966	-56,101	30,211	-89,687	19,052
Free Cash Flow	-144,400	-319,079	-157,153	-220,571	-197,409
Free Cash Flow Margin	-340.82%	-823.03%	-444.83%	-715.69%	-734.08%
Free Cash Flow Per Share	-12.19	-26.96	-13.29	-18.66	-16.72
Cash Interest Paid	51,318	52,790	39,769	15,243	7,401
Cash Income Tax Paid	4,570	3,650	1,864	1,131	1,393

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