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	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	17,847	14,945	12,982	10,971	8,804	7,041
Depreciation & Amortization	1,317	1,260	1,227	1,215	1,160	1,159
Other Amortization	401.3	358.36	423.81	356.19	260.21	243.89
Gain (Loss) on Sale of Investments	-12,265	-19,787	-2,081	-3,147	-2,136	-2,180
Provision for Credit Losses	1,768	3,051	3,241	3,319	1,794	2,836
Change in Trading Asset Securities	-73,603	-49,382	-83,697	-21,940	-94,958	-5,108
Change in Other Net Operating Assets	-97,470	-279,147	-84,872	-212,407	-112,057	-132,478
Other Operating Activities	3,791	10,784	-3,599	1,803	297.85	1,332
Operating Cash Flow	-158,213	-317,917	-156,375	-219,829	-196,835	-127,154
Capital Expenditures	-1,599	-1,162	-778.11	-741.53	-574.6	-676.7
Sale of Property, Plant and Equipment	0	2.35	0.79	0.02	-	-
Purchase / Sale of Intangibles	-207.33	-139.3	-252.89	-765.28	-153.42	-191.81
Investing Cash Flow	-1,565	-1,311	-1,032	-1,507	-728.12	-851.87
Short-Term Debt Issued	-	265.58	10,197	-	146.23	-
Long-Term Debt Issued	-	2,247	61,418	-	-	26,580
Total Debt Issued	66,428	2,513	71,616	-	146.23	26,580
Short-Term Debt Repaid	-	-	-	-431.85	-	-320.66
Long-Term Debt Repaid	-	-10,142	-3,698	-47,571	-28,672	-5,640
Total Debt Repaid	-1,233	-10,142	-3,698	-48,003	-28,672	-5,961
Net Debt Issued (Repaid)	65,195	-7,630	67,918	-48,003	-28,525	20,619
Common Dividends Paid	-5,603	-5,972	-5,826	-5,244	-3,739	-3,994
Net Increase (Decrease) in Deposit Accounts	123,174	274,413	125,829	182,332	249,395	152,044
Financing Cash Flow	182,766	260,811	187,921	129,084	217,132	168,669
Foreign Exchange Rate Adjustments	-2,044	2,316	-302.74	2,565	-517	-1,119
Net Cash Flow	20,943	-56,101	30,211	-89,687	19,052	39,544
Free Cash Flow	-159,812	-319,079	-157,153	-220,571	-197,409	-127,831
Free Cash Flow Margin	-376.39%	-823.03%	-444.83%	-715.69%	-734.08%	-522.17%
Free Cash Flow Per Share	-13.50	-26.96	-13.29	-18.66	-16.72	-10.83
Cash Interest Paid	51,912	52,790	39,769	15,243	7,401	11,527
Cash Income Tax Paid	4,211	3,650	1,864	1,131	1,393	645.26

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