Wifak International Bank Cash Flow Statement

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Jun '25 Jun 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	2019 - 2015
Net Income	9.68	10.13	9	5.27	5.35	-5.27	Upgrade
Depreciation & Amortization	4.61	4.16	4.27	3.86	-	3.4	Upgrade
Other Amortization	0.87	0.87	0.74	0.74	0.1	1.24	Upgrade
Total Asset Writedown	0.08	0.08	0.17	0.07	-	-	Upgrade
Other Operating Activities	77.04	42.13	-58.44	-45.71	19.56	80.32	Upgrade
Operating Cash Flow	92.27	57.37	-44.26	-35.77	25.01	79.69	Upgrade
Operating Cash Flow Growth	37.13%	-	-	-	-68.62%	129.34%	Upgrade
Capital Expenditures	-8.2	-9.74	-11.98	-4.14	-2.49	-0.74	Upgrade
Investment in Securities	-3.86	3.3	-2.44	-28.09	2.6	1.14	Upgrade
Other Investing Activities	0.09	-	-	0.05	0	0	Upgrade
Investing Cash Flow	-11.97	-6.44	-14.42	-32.19	0.12	0.4	Upgrade
Long-Term Debt Issued	-	-	50	20	25	15	Upgrade
Long-Term Debt Repaid	-	-15.59	-20.84	-14.46	-10.24	-10.18	Upgrade
Net Debt Issued (Repaid)	17.81	-15.59	29.16	5.54	14.76	4.82	Upgrade
Issuance of Common Stock	0.14	0.36	-	-	-	-	Upgrade
Other Financing Activities	0	0	0	0	0	0	Upgrade
Financing Cash Flow	17.95	-15.23	29.16	5.54	14.76	4.83	Upgrade
Net Cash Flow	98.25	35.7	-29.52	-62.42	39.89	84.92	Upgrade
Free Cash Flow	84.07	47.63	-56.25	-39.91	22.52	78.95	Upgrade
Free Cash Flow Growth	69.32%	-	-	-	-71.47%	154.87%	Upgrade
Free Cash Flow Margin	88.81%	54.43%	-80.91%	-84.52%	52.91%	342.41%	Upgrade
Free Cash Flow Per Share	2.80	1.59	-1.88	-1.33	0.75	-	Upgrade
Cash Income Tax Paid	5.08	5.05	0.46	0.08	0.21	0.23	Upgrade

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